PNC Financial Services Group, Inc.

Review: I disputed a transaction at my local bank for a withdrawl from a company who I made a previous purchase with. The first time the company withdrew monies from my account was in June. I called the company to dispute this transaction and they refunded my money. At that time, I told the operator to cancel my account and I assumed it was taken care of. Three months later they did it again. This time I went to my bank to cancel the transaction. They did so but after they received my paperwork, which they made me fill out, the bank decided that they were going to rescind that decision and go ahead and pay them anyway! This is so not fair business practice! This is my money and I am the one who decides who spends it. I cancelled that account in June after they tried to withdraw my money in June and the company did credit my account. The Bank had that proof at their fingertips. The company would not have credited my account back in June unless I called to cancel. Now PNC thinks that they can just give my money away and I have no say.! This is my money & I DID NOT okay this transaction. PNC should be taking care of their customers and they most definitely are NOT. I have been a faithful customer at this bank for over 15 years with both a business & a personal account and I am appalled at the way I have been treated. I will be going to another bank for certain.Thank youDesired Settlement: I want my money back. PNC has no right to give it away after I told them it was not approved by me!

Business

Response:

This letter is written for response to your correspondence regarding [redacted]. PNC Bank has addressed her additional concerns. We have responded directly to her concerns via <st1:country-region w:st="on"><st1:place w:st="on">U.S.</st1:country-region> mail on November 13, 2013. Please allow five to ten business days for her to receive the response.

Sincerely,

Executive Client Relations

PNC Bank

Review: This is the second time that PNC bank has overcharged me on overdraft fees. What they have done is rearranged my transactions on the day in question. I knew my final transaction of the day would overdraw my account, so I expected an overdraft charge. They ran the charges, all made in one day, in a different order in order to charge me the maximum fees per day (4),and then ran other charges on three different days, 6/27, 6/30, and 7/01 in order to charge me a total of (6).Tried to speak with Reps. through email, and I guess this is common practice. I even tried to speak with the retail escalation team, who also informed me they were well within their rights to do this. I cannot believe this is the way they treat customers who have an emergency.I also cannot believe there is not a law against this type of manipulation.Desired Settlement: I would like to see PNC process my transactions from the day in question in the correct order, resulting in only 1 overdraft fee.

Business

Response:

July 2, 2014

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on July 2, 2014. We have evaluated the information and spoke to client to address his concerns. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: I have a secured credit card with PNC financial services and for the last (est.) 6 months they have charged me a $35 late fee on monthly payments and this was not brought to my attention by the company, simply continued to add the charge monthly. Also the payment was made online, on time, in most instances and since not received until a few days later, a late fee was still assessed. PNC apparently does not have a grace period to receive payments?. I called in the beginning of October and requested paperwork to sign up for automatic withdraw, which as of today has yet to be received, but was refunded the late fee for sept and again charged a late fee for oct even though I made the online payment on time. I called today and was told I would not be recieving a refund for this months late fee, as well as, the four ohter months of charges. My minimum payment in around $40 and I pay between $150 and $500 on each payment, and I'm still being taken for over $200 in late fees that should not be assessed. I have requested the proper paperwork in order to satisfy this ridiculous policy and again am being charged a late fee.Desired Settlement: I would at least like the late fee for the month of October to be refunded, if not all the late charges for the previous months the were accrued 1-3 days after the payment was received and not necessarily made.

Business

Response:

Please see the attached response.

Review: I contacted the PNC call center in reference to my debit card being lost. I was informed by the representative that since I needed to change my address that I was unable to order my debit card for 3 business days. I called back on the third business day and I was notified from [redacted] at a branch in Cleveland that I could have changed my address in a branch and my debit card could have been mailed out the next business day. I am very upset that the customer service specialist did not give me the option to have the branch take care of my concern. I have been inconvenienced and I still have not received my debit card.Also, I am now charged a $7.50 charge that I have never paid before to get a replacement card for me to receive it in 10 business days.Desired Settlement: I would like a refund of the $7.50 that I will be charged to my acccount.

Business

Response:

This letter is written for response to your correspondence regarding [redacted]. PNC Bank has addressed her additional concerns. We have responded directly to her concerns via telephone conversation on October 24, 2013.

Sincerely,

Consumer Relations Specialist

Executive Client Relations

PNC Bank

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Statement print outs

I had a free business account for many years. I did e-statements for my account to save the bank money and be green. I closed my account (due to new monthly fees) at the end of 2015. When I logged into online banking a few days later to print my statements for 2015 (for taxes) the account was not available for printing them out. When I called the bank they told me that I had to pay for each monthly statement for my account.Desired Settlement: I would like PNC to either provide me temporary access to print the 2015 statements or provide me all of 2015 statements at not cost. I paid a monthly fee for each month in 2015 and deserve to have my statements provided for those months.

Business

Response:

PNC Bank, N.A. responded to Mr. [redacted] on 3-1-2016, and considers this matter

addressed

Review: Beginning in late Oct , 2015 , I have had issues with PNC Customer Service . Since then , their lack of cooperation / replies to the issue(s) have resulted in : the closing of my PNC Bank account , an outstanding debt ( paid ) , & ( last but NOT least ) THAT PAYMENT NOT being registered &/or acknowledged .Desired Settlement: PNC Bank has 3rd party Dispute Division , & that's where the problem lies . The Dispute Division's lack of response to my inquiries has resulted in the aforementioned problems .

Business

Response:

March 2,2016PNC Bank, N.A. responded to Mr. [redacted] on March 1, 2016, and considers this matter addressed.Thank You,[redacted]

Consumer

Response:

Review: Over the past 2 weeks I have paid 3 overdraft fees in total of 36$ a piece. I'm a working mom so I live paycheck to paycheck and cannot afford to throw away that kind of money on something unseen. What I mean by unseen is these charges are applied at night while most of the world is sleeping. I go to bed and everything on my account is fine. I wake up to an email telling me that at some point during the night I managed to overdraft. I've been a customer with PNC Bank for years, I've never had a problem till now with this. I love the customer service team at the Manchester branch, as they are friendly and helpful. My complaint is not with them, although I keep being told the federal reserve works at night. So while the world is sleeping the federal reserve is making money by taking away from the working people with these senseless overdraft fees. They can wave fees under certain guidelines but in all three times I've called my reasoning isn't good enough I guess. It has to be a bank error. Well, in my defense taking money out of my account while I'm sleeping should be a bank error. How can anyone recover a debt if they don't know about it until it's too late. I've accepted the fact that some merchants can hold funds for 3 days until it is released and took from the account. Isn't it only fair you have a Grace period of so many "waking" hours to have that money put back in before the bank charges you for something you were unaware of? I'm beside myself with this matter and would close my account if I had more options than two banks in my town. These days you have to have a account or it's about impossible to financial make it.Desired Settlement: DesiredSettlementID: Billing Adjustment

A refund and plan put into place of a Grace period and time period for charges to be made or money to be took out of accounts.Sometime other than the middle of the night.

Business

Response:

October 9, 2015 PNC Bank, N.A. responded to [redacted] on October 9, 2015, and considers this matter addressed. Thank you, Meghan J[redacted]

Review: I started out as an [redacted] bank customer. I've been a customer with [redacted] for about 5 years. Due to lack of locations and some frustrations with this bank I decided I would possibly switch from this bank to a different one that had more locations and possibly better customer service. Although these things were going through my head I was still hesitant to switch because I have banked with [redacted] for the past five years. Then I saw the promotion that PNC was offering for its new customers. I Signed up at the physical bank and the man that set me up told me I would get the promotion which was 150 dollars for signing up for a new virtual wallet account. Well I met all of the qualifications for this promotion but still haven't received the 150 dollars. I am very upset about this because this is the only reason that I switched to PNC in the first place. So I called the PNC customer service number and they told me to call the person that set my account up. I thought this was a hassle but I called him and unfortunately I didn't get an answer. I'm ready for this to be over and received my 150 dollars that I was promised. I'm begging anyone to help me with this situation thank you.Desired Settlement: My desired outcome of this situation is to get the 150 dollar promotion that I was promised when I set the account.

Business

Response:

On Mon, Jan 12, 2015 at 1:57 PM, <[redacted]> wrote:These complaints have been resolved by PNC. [redacted] on 1-9-2015. Please update our records. Thank you [redacted]Assistant Vice PresidentExecutive Client Relations Enterprise Escalation Group

Review: 2 weeks ago, I reviewed my virtual wallet accounts via online banking. I noticed a payment was made to a company called [redacted] in the amount of $28.80 on my virtual wallet debit card, which neither myself nor my wife had purchased. This card has ONLY been activated and never actually used unlike my other debit card. I called PNC directly to resolve the issue. I further then called [redacted] to also resolve the issue. Upon communicating with [redacted], I was able to actually speak to the person who performed this transaction. She had mentioned several times that she took the debit card information from this person over the phone. She mentioned it was a struggle understanding and communicating this person and had to even repeat the same information back to the customer in order to confirm the information received was correct because the first few times she ran the information, the transaction was denied. After speaking with the [redacted] representative, I learned that THE ONLY PIECE OF INFORMATION THAT MATCHED THE CARD WAS THE CARD NUMBER, which happened to be MY card number. The name did not match, the security code did not match, and the date of expiration did not match. The PNC Bank representative I spoke with seemed to NOT understand the issue or was trying to make it sound like this was because someone had stolen my information. This wasn't a case of identity theft or stolen card. The issue is this transaction was allowed to be processed and debited to my account ONLY with my card number and nothing else. The name didn't match, the expiration date didn't match, and the security code didn't match. So, I want to understand why PNC bank has these security features, yet they seem to serve no purpose and give a false sense of security.So, here is the gist of my complaint: The transaction was allowed to be processed when the only information that matched the card and account was the debit card number. All other information supplied did not match account infoDesired Settlement: If PNC has these security features on their debit/credit card and for the accounts, transactions should not be allowed to be processed without ALL of them being correct. This should be true whether it is an over the phone, on the web or in person transaction. If any piece of the information does not match the account (such as name, Security code, or expiration date of debit/credit card), the transaction should NOT be allowed to be processed. If this can't happen, I cannot be a PNC customer...

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on October 20, 2014. We have evaluated the information and spoke to client to address his concerns. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: They paid for a account that was canceled and they knew about it, I was charged all kinds of fees and got no refund they wouldn't help me. This wasn't the first time!!! And they charge me every dad! Very bad costumer service. I even showed them the cancellation verification.Desired Settlement: 95.74

Business

Response:

Review: I applied for an Installment Loan on September 10, 2013. I have submitted all of the paperwork requested-the last submission being October 8. I called today (10/23/13) for status (since I have not heard anything about the loan since the balloon payment is due in the near future. I was transferred 7 times to different departments and eventually talked to a person who advised that the phone lines were not working properly and that the department I actually needed was not accessible by phone. I am frustrated after so many attempts and no communication from them at all about the status of my loan.Desired Settlement: I would like a phone call or e-mail correspondence from a supervisory person advising as to the status and letting me know the next steps in order to complete this loan application in a timely fashion.

Business

Response:

No release was provided. Client was contacted by phon on October 25th, 2013 to resolve her issue.

Review: My problem involves the return of $400. In early June, I closed-out a secured credit credit, being at this time eligible for a "regular" credit card. I was informed by the personal banker at this particular branch (302 W. Adams St., [redacted] that the funds would be returned to me via US mail (timeline given: 7-10 or 10-14 business days). This did not come to pass. I returned to the aforementioned branch, inquring as to the return status of the $400. There was some confusion- the personal banker phoned the employees in what he dubbed the "back office." I was told, yet again, that the check would be mailed (similar timeline as stated before). Check not received at at end of that timeline. Returned YET AGAIN to branch - by this time, it is late August. I was, at this time, told that my issue has now been referred to the company's retail escalation dept. In all, I believe that the return of my secured deposit - MY MONEY, which PNC was essentially holding for me - has been utterly mismanaged and bungled. I feel that PNC has done little if nothing to properly resolve this issue, to speak nothing of the time I have TAKEN OUT OF MY WORK DAY, time and time again, to deal with this mess. I work as a paralegal; I bill by the tenth of the hour. My hourly rate is $85. Will PNC be reimbursing me for lost hours and wages? As I sit here and spend STILL MORE TIME filling out this complaint, I can't believe that such a simple promise on the part of PNC - the promise to return my secured deposit - has snowballed into the situation in which I now find myself. I want my secured deposit returned IMMEDIATELY and I want some sort of additional compensation for the unprofessional manner in which my problem has been handled.Desired Settlement: I want my secured deposit returned IMMEDIATELY. Return via US mail will not be adequate, particularly as that method has proven unsuccessful. Additionally, I want some sort of additional compensation for the time I have spent dealing with PNC's agents and the unprofessional manner in which my problem has been handled.

Business

Response:

September 28, 2015Dear Ms. [redacted]PNC Bank, N.A. responded to Ms. [redacted] on September 28, 2015, and considers this matter addressed. Sincerely,Lisa M[redacted]Executive Client Relations Officer

Review: I call PNC bank regarding a fraudulent charge of $459.40 from [redacted] on 9/20/2013. The representative was not helpful and I ask to dispute the charge which he did for me but the problem was he won't put back the charge back to my account and I had dispute a charge before with them and they did a provisional credit back to my bank right away while they were investigating the case and now he said that he can't put back to my account right away. So I ask to speak to a supervisor and his name was [redacted] and he didn't even know want to help me. Telling me I have to wait for 10 days to investigate before I can even get the amount back to my card. He was not even trying to help me and that bank has gave me multiple problems before because the employees and supervisor are not helpful and horrible customer service. I can't call [redacted] because they were closed and they are not open on the weekend. Something needs to be done and I want that charge reverse back to my account.Desired Settlement: $459.40

Business

Response:

Executive Client Relations for PNC Bank, National Association (“PNC”) received your correspondence regarding the consumer complaint filed by [redacted].

Please be advised PNC has been in contact with Ms. [redacted] regarding her concern. Her concern was resolved to her satisfaction on October 22, 2013.

Should you have additional questions regarding this matter, I may be reached through Executive Client Relations at ###-###-####, extension [redacted], Monday through Friday between the hours of 8:00 a.m. and 4:30 p.m. (ET).

Sincerely,

Assistant Vice President

Executive Client Relations

Review: MY checking account was incorrectly charged by an online merchant. The merchants was not wiling to resolve the issue so my only option was to dispute the charges with my bank which is PNC. I filed the dispute online as I was instructed by customer service and provided the details on the situation. Two different times I received nasty letters in the mail from the Debit Card services department requesting additional information. This was after they were supplied with copies of the receipt that I received from the merchant which clearly did not match what they charged my account. Both times I received the letter 10 days or more from the date on it and I was given one day to send them the "additional" information they were requesting or they would "consider the matter closed." On September 11th I received a nasty letter from them that was dated September 4th. The letter stated they could not "substantiate" my claim and were taking disputed amount out of my account 5 business from the date of the letter which is September 14th. As I was reading this letter after I arrived home from work at 6PM I was not even given one business day to prepare for they money being taken out of my account. Besides the fact that I was not given any explanation why they are denying the dispute even though all the documentation clearly stated my account was charged more than the reciept was for.Desired Settlement: PNC Bank to return the money to my account plus additional compensation for the inconvenience they have caused me as a result of this.

Business

Response:

PNC Bank, N.A. responded to [redacted]r on September 15, 2015, and considers this matter addressed

Consumer

Response:

From: [redacted]>Date: Thu, Sep 17, 2015 at 4:40 PMSubject: RE: Revdex.com complaint [redacted]To: [redacted]

Review: I Deposited my Cashier Check from [redacted] in Chicago. On Feb 5th 2014. I was suppose to receive my funds the next day. PNC Bank said that "The Funds will be available next Wednesday Feb 12th 2014. They had horrible customer service. One representative tried to help me out, but it was all going no where. It was their job to get the check verified, and they said they called once and no one picked up so they didn't call again. My account is going negative because of this problem. Horrible Customer Service. I told them I was going to close my account and the customer representative said go ahead. Very Rude. I have been a customer since 2009.Desired Settlement: I want my $3,000 dollars from PNC Bank. I have to pay car bills, house bills, and they have put me on a hold for that. So I need the $3,000 dollars.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on February 7, 2014. We have evaluated the information and mailed the response to the client . We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Consumer

Response:

Review: I was charge an overdraft fee for a charge that was pending and whose funds had been deducted or held from my original balance. This initial hold caused a charged that was made before the pending charge to be assessed a overdraft fee, which was fine. But the following day the hold came off and the charge posted, instead of PNC paying this charge with the original held funds for the charge they assessed their fee of $36.00 first on 08/08 which consumed the previously held funds and me an additional $36.00 fee for the held transaction which posted on 08/08. I argue that PNC has held the funds for the pending charge from my available balance which would cause any reasonable person to assume that the held charge was paid or was in the process of being paid, I would not think they would put the funds for the hold back pay themselves then charge a fee for a transaction that the funds were initially being held for. This was purposefully done to get an additional $36.00 fee. I have a letter mailed to me from PNC on 08/08/2013 informing me that I would be assessed one fee and list all charges causing the over draft it also shows a deduction for the pending charge that they charged me an overdraft fee on the next day after the pending charge posted. No where on the letter does it state that pending deductions will be credited back to cover their fee and then you will be charged a fee when the pending transaction post.Desired Settlement: I would like either they correct the previous day 08/08 $36.00 overdraft fee which occurred due to held funds for a pending transaction or the new fee assessed on 08/09 $36.00 due to their not paying the pending charge from the held funds when it posted and paying their fee first. So I would like one overdraft fee refunded.

Business

Response:

We have responded directly to the customer. Please close the complaint.

Thank you

Assistant Vice President

Executive Client Relations

PNC Bank

600 Grant Street

Pittsburgh, Pa 15219

Review: My checking account dipped below zero on the 14th of January. My partners mother wrote us a check in the amount of $3000 which we deposited on January 20th to fix this situation. The check was made out in her daughters name, [redacted] Given that January 20th was a holiday, the branch was not open, so she signed the check over to me and we deposited the funds through the branches ATM. Tuesday the check still had not cleared, so Wednesday morning (today) I checked the account to assure that the check had cleared. Instead of the expected funds being available, the check had been rejected as an "Unpresentable Item". I didn't know what this meant, so I called the banks support line. It was explained that because this check was from a third party, they had rejected it, and were mailing it back. However, the girl on the phone assured me that when it arrived, we could both come in with ID, and they would waive associated fees with this delay. Given that this would take days, Ms. [redacted] simply cut another check, this time putting it directly in my name. When I went in to my branch I was told that fees would not be waived and that more would be tacked on, because it would take two days for the check to clear. When I spoke to the branch manager and told them the issue I was having, the branch manager said he would not waive the fee because I had already had enough "curteosy fees" for this year (earlier in the year a fee was reversed due to their site being down and inaccessible, thus causing a scheduled payment to not be canceled before their system sent it out). The bank did not attempt to contact me to rectify the issue on the business day when they attempted to process the check. Nor does the fact that I have hit my "quota" of issues they will correct seem proper.Desired Settlement: I would like a refund of fees incurred between Monday (the initial deposit date of the check) and any other fees incurred due to their processing of this check.

Business

Response:

February 18, 2014

Good Morning,

We will be responding to client's complaint via written correspondence, directly to the customer.

Thank You,

Review: A $25.00 service charge incurred by the bank (this was not mentioned by the bank's representative when the account was open - two people can verify this statement)

Failure of the bank's representative to resolve/remove chargeDesired Settlement: Remove unreasonable service charge

Close bank account

Business

Response:

Good Afternoon,

PNC Bank, N.A. responded to [redacted] on December 9, 2015 and considers this matter addressed”

Lauren R[redacted]

Executive Client Relations

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: PNC Bank permits businesses to take unauthorized money out of personal checking accounts. PNC Bank facilitates fraud.Desired Settlement: Do not allow unauthorized transactions.

Refund the money that was fraudulently taken from my account.

[redacted], PNC employee was in charge of allowing this fraud.

PNC Bank should change its policies and follow the laws under Chapter 12 of the United States Code

Business

Response:

Please see attached response mailed to Mr. [redacted] on 4/24/15

Review: Today my husband went to a pnc bank atm inside [redacted] and he was only dispersed $40 of his $240 request. They took the whole $240 from his account and told him it take 7days to dispute then another 10days to be refunded. This is really painful bring that this is all the money we had. We can't feed our 4 children. We need our money now.Desired Settlement: Return us our $200 immediately

Business

Response:

Please allow me to respond the Revdex.com (Revdex.com) case filed on December 2, 2014 regarding [redacted]. PNC conducted research to locate an account with the customers name and the other information provided within the Revdex.com case and the information provided was not sufficient to locate any records related to a PNC Bank account. If the card used in this transaction was a non-PNC Bank card, disputes for non-customers must be initiated by the financial institution that issued the card, this is true even when the dispute involves a PNC Bank owed ATM. I attempted to contact the customer by phone on December 2, December 4 and December 15, 2014. On December 15, 2014, I emailed you at the email address you provided on the Revdex.com case. To date we have not received a return call and or an email from the customer. This response has been mailed to the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], I don't bank with PNC bank. The issue was with a PNC atm inside Walgreens dispensing my husband the wrong amount. The amount requested was $240 but the atm only dispensed $40. He did receive the money back from his financial institution pending investigation. I also included a copy of the receipt in my original complaint.

Regards,