PNC Financial Services Group, Inc.

Review: Pnc is were I bank and went I went to stop payment on I charge on my debit card for services I did not receiver they said no and charged me $41.00Desired Settlement: I want my $41 BACK

Business

Response:

Re: #[redacted]:

This letter is written in response to your correspondence regarding Mr. [redacted]. PNC Bank has mailed Mr. [redacted] a response letter addressing the concerns expressed in Revdex.com Case #[redacted], directly to the customer's address of record with the bank. The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.

Review: I have lived in my home since 2/92. I refinanced my home in 01 due to a divorce and I believe in 05 I did a modification due to loss of income (I lost my job). Back in 9/13 I tried to do another mod to my mortgage. The reason for the mod is that my husbands income was significantly lower than the prior year. I provided all info in a timely fashion and followed up the next day. I have dates, times and names of all that I spoke to in the 7 mos that it took to finally get a decision. When I initiated the mod process I made my 09/13 mortgage pmt. I guess since 05 I missed 2 mortgage pmts because in Sept when I made my pmt they mailed the pmt back. So I called to see why they mailed it back and I was told that because I missed 3 pmts I needed to make all three to reinstate the mtg. I told them at the time I could not do so, I did not have the money. They told me that because I was doing a mod to just hold tight and whenever a decision was made things would be alright. What I was not told was that my home would go into foreclosure. By the time PNC had a complete package it was the end of Nov. I was very diligent, whatever info they requested I faxed it or mailed and I followed up with phone calls. So I waited and kept up with the process. I would call once or sometimes twice a week and no decision was made. I requested letters to tell me how much they needed to reinstate the mortgage and NEVER received one. Finally in 02/14 they requested financial info again...I was told "that because it expired" they needed updated financial info. Why? because after 90 days financial info expires. I was also told by a [redacted] 2/11/14 that because my situation "wasn't a priority situation" that is why the process is taking so long. I demanded to speak to a supervisor and was deflected every time, until 4/2/14 I finally spoke with a [redacted] and he finally got the attorney to send me reinstatement amount. For further info I have plenty of documentation to back up my story, feel free to give me a call or send an email.Desired Settlement: I want an apology, I want a refund of attorney fees and I also want to know why it took 7 mos to make a decision on the modification? I want to know why the many people that I spoke to at PNC gave me so many excuses, why when I spoke to the attorney they told me I needed to speak to PNC? No one at PNC or the attorney's office gave me a straight answer? Why should me and my family be penalized for PNC's neglect to process my package in a timely fashion?

Business

Response:

To whom it may concern:

This letter is written in response to your correspondence regarding Ms. [redacted]. While the Revdex.com did not provide a signed authorization form with the Customer Complaint, I can confirm that a final written response was sent today, May 28, 2014 in regards to the concerns expressed in Revdex.com Case # [redacted].

Sincerely,

Enterprise Escalation Group

PNC Bank

Review: Irving branch mgr of PNC bank in Midtown [redacted] is totally incompetent he closed my account right before my direct deposit on this friday July 14th and I already set up auto pay with my debit card with all my creditors/utilities and fitness club. He promised to call me back after speaking with his Loss prevention mgr and avoided my calls when I called the bank. He is very unprofessional and is not a man of his word. He actually had his employees lie and say he was not there both [redacted] and [redacted] was lying for him under his instruction so he would not answer my calls.

Product_Or_Service: bank accountDesired Settlement: DesiredSettlementID: Contact by the Business

Need to correct the incorrect actions by Branch mgr by opening my account and apology by branch mgr

Business

Response:

PNC Bank, N.A. responded to [redacted] on September 11. 2015, and considers this matter addressed”

Review: My mother passed away on Jan 1st 2014, her social security check was deposited into a duel account with her OR me both listed on the account.The social security check for December was deposited on January 3rd 2014. I spoke with the Social Security office who verified that the check was owed and would not be taken back because it was for the month of December before she passed away in January. I went to PNC and withdrew appx $900 and left in $240. The bank called me and said that the SS office had requisted the funds be sent back and that they had obliged. I called the SS office to confirm this and they said that was not true and the funds were not returned to them and that did not requist them. I spoke with the branch manager (her name is [redacted])and she then said the funds had not been sent back but were being held by PNC bank. She told me I had to go to the Social Security office and have them send a letter and fax it to her stating that they did not want or requist that the funds be returned and they could return the money back into the account. This was done and now they still will not credit the account. There should be a balance of $240 but because they removed the $900 the account is now overdrawn by appx $200. The bank now states that I need to come in and deposit $700 plus to rectify the account. The social security office says this is a mistake on behalf of the bank and should have never taken place. I would like the money to be put back in the account so that I can get the money owed and close the account.Desired Settlement: deposit the money owed back into my account so that I can withdrawl it and close the account

Business

Response:

2-5-14 [redacted]. We have spoken directly to the client today and discussed resolution.

Review: I am inquiring about the 300.00 account reward I was promised when opening my PNC account in August 2014. I was told that I should have direct deposit set-up, a min balance of 20 000 in my account. I patiently waited, then I was told I should have payments made out of that account (apparently checks did not count as payments). I set up the online payment and paid bills... I asked the bank clerks, I called the 1800 customer service number, I tried sending a message through PNC Banking secure system, that continuously returns an error that message cannot be send. I am ready to close my account, given that I was falsely promised rewards that have never been honored and the requirements change each time, while PNC is enjoying my minimum balance that I never withdrew.Desired Settlement: The 300.00 promised when I opened the account.

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 has closed my smart access account without notice. I found out when I went to use the card. When I called all I was told was we have the right to close your account for any reason. When I asked the reason. No one can answer me. Additionally, I was told that it would take 30 days for me to get the money back that was in the account and that they would be charging me 10.00 to have a check mailed to my home.The branch listed is not the Branch in question because with a Smart access card you can not make branch withdrawals without an active card and only via cash advance in which they have cancelled my card. I have even escalated the matter in which iwas told it would take at least 5 to 7 business days before I received an answer and the normal process time was 15 days to close the account and another 14 days before I saw my money after that. So in total 30 days to get back my money from a bank account that they closed for no reasonDesired Settlement: I would like to be able to go into a branch and receive my money as soon as possible, or not have to wait 30 days to receive a check

Business

Response:

PNC has responded directly to the client. No release provided.

Review: My PNC Bank application number is [redacted], I purchased 2016 Honda Odyssey Touring Elite on 9/12 through [redacted] Honda on 9/12 for $46,675, 3.99% interest rate for 60 months. I also refinanced with [redacted] Federal Credit Union for 1.99% for 60 months for $47,000 and received check from them on 9/19. PNC Bank is refusing to give the pay-off amount telling that they are still waiting for details from the dealer and no account has been created yet and refusing to give the account number. The dealer said they sent the contract around 9/17 and told to contact PNC. PNC bank representative are telling to contact the dealer. It appears that PNC Bank is not happy with me for closing the loan too quick and want to get some interest from me. I request Revdex.com to help me get the pay-off amount from PNC Bank and also request to waive the interest from 9/19 since I would be paying interest for both the banks. Please call me ###-###-#### or ###-###-#### for any other information required to resolve this issue. Thank you. [redacted]Desired Settlement: I request Revdex.com to help me get the pay-off amount from PNC Bank and also request to waive the interest from 9/19 since I would be paying interest for both the banks. Please call me ###-###-#### or ###-###-#### for my SSN number or Date of Birth or any other information required to resolve this issue. Thank you. [redacted]

Business

Response:

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

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: I started my account with [redacted] Bank which was then bought by [redacted] Bank of the [redacted] which was then merged with PNC. My account was a free checking account for approximately fifteen years and at some point last year they apparently changed the account with out my consent. They started charging fee's to this dormant account. This went unnoticed until they put the account in default with their fee's and demanded payment for the overdraft they created. I called and asked to close out the account and they said they would not close the account with out me paying for the overdraft on the account which they created. I did end up paying it to close the account because they were threating to charge me $7.00 dollars a day until it was brought back from a negative balance.Desired Settlement: I would like to be refunded the amount of the fee's they charged to my account. Which would roughly be 68 dollars.

Business

Response:

PNC spoke with [redacted] on March 23, 2015, about his complaint and we consider this matter addressed[redacted]Executive Client Relations OfficerPNC Bank###-###-####

Review: Abusive fees were charged on a checking account due to an over draft, Fee's were part of a tier system at $7/day. This did not include an overdraft fee of $36, which was added to the total fee's. Total charged was $71. This is a new fee structure introduced to an existing free business account. Manager waited several days before returning a call, racked up more fees. Manager said to call 1-888 number, but customer service said got to the manager. No one could give me clear answer as to the fee'sDesired Settlement: Refund all fees due to abusive nature of tier system used against the customer.

Business

Response:

Good Afternoon, This issue is being resolved directly with the Mr. [redacted]

Thank you

Consumer

Response:

Review: I have recently decided to close my PNC Bank account and join my Wife's account. I am a Military member who has endured a series of surgeries over the past several weeks and have had to rely on phone calls to PNC Bank for information concerning pending transactions as I have no access to my records. While on the phone, I made it clear that no further transactions were to be processed and cancelled my debit card to ensure no recurring payments would process. After ensuring no further account activity would occur, I changed my military pay to my Wife's account. I recently received a phone call informing me that the account was negative $188. I asked how the account went negative and was informed that it was because of a $1 transaction a $4 transaction, and a $9 transaction. Had I been made aware of these amounts I would have easily been able to transfer funds into the account to cover the negative balance. This shouldn't have even been necessary as I requested all payments stopped for the account. PNC Bank has taken as long as a week to process purchases at major gas stations, grocery chains, and ATMs. You never have any idea if your "available balance" is accurate or not and constantly have to keep receipts for items as small as candy bars because the transaction may not come out until a week later. This was part of my decision to close my account at PNC. I purchased a money order and attempted to pay the negative balance but they wouldn't accept a money order while the account was negative. I offered to go cash it and pay the account only to be informed the account still couldn't be closed on any day I deposit funds. The difficulty in closing this account, inaccurate "available balance" information, and slow debit processing times, seem to go quite far towards increasing the odds of overdraft fee chain reactions. I find it suspicious I received a "courtesy call" two weeks after negative fees ceased accruing instead of notifying me of a pending fee I could have addressedDesired Settlement: Refund of overdraft fees.

Business

Response:

I spoke with Mr. [redacted] on 1/29/2014 to confirm his account was information was updated to reflect a zero balance, no adverse reporting to ChexSystems, and an official closed date of 1/30/2014.

[redacted] 1-30-2014

Review: I occured an excessive amount of overdraft fees with this bank. There was a transaction that came to my account for $200 for [redacted]. The [redacted] merchant was "[redacted]". The transaction came out of my account then a day later it vanished. I called the bank and was told that they did not see a charge that was ever put through by that merchant. I thought the merchant may have returned the funds or there may have been a system error. I used my debit card to buy food and other items for my household. Then suddenly the $200 went back through maybe a day or two later. That caused several items that were pending in my account to incur an overdraft fee for each item that posted! So for every single item that posted after my account was negative I was given a fee There were 4 fees at first totaling $144. Then two more pending transaction posted for a total of six fees and that brought the total to fees to $216. My checks are usually $340 and those fees took nearly my whole check. Luckily this was a holiday and I earned more. I messaged the bank and asked for a reversal of the fees because the all of those fees were ridiculous and put a caused financial strain on my family and me. They were able to reverse two fees in for the amount of $72 ( the fees are $36 ) and I am grateful for that. I would like the other four fees reversed.Desired Settlement: I would like the bank to reverse 4 overdraft fees that totals $144.00.

Business

Response:

See Attached response mailed to Mr. [redacted] on September 13, 2013.

Review: Dear Sir/Madam:

I bought a house in 2005 with Mortgage $173,166. It was financed by national city mortgage with fixed 30 year interest rate 5.75%. The loan was later sold to PNC mortgage.

I received a hardship loan modification in 2013 from PNC mortgage which extended my loan to 40 years with 5% fixed rates. On top of it, I was imposed over $86,000 attorney fees from PNC under the name of "foreclosure" despite the lump sum I paid over $20000 and payment below $25,000 from Keep you home california

Now as of today, after 10 years of payments, I owe the bank over $286,000 which is even more than what I have borrowed 10 years ago.

I don't think the PNC is helping people. It's very obvious the bank is taking advantage of the situation ripping people off.

I hereby file a complaint and would appreciate all your help.Desired Settlement: DesiredSettlementID: Other (requires explanation)

The bank should have the attorney fees waived because the process was handled according to the bank's procedure. Attorneys are employed by the bank, not me.

Business

Response:

PNC Bank, N.A. responded to [redacted] on January 5, 2016 and considers this matter addressed.

Review: I sent a check to my mortgage company by mail on August 26, 2013 so that it would arrive in time for my September payment. The date was clearly marked on the check but was cashed on August 29, 2013. I spoke to my mortgage company ([redacted]) and asked why this occured. I was told that the check is processed on the date it is recieved and that I needed to speak to my Bank. PNC told me they would call me back but never did. I went to the bank at 1:30pm today 8/29/13 to speak to a supervisor about why this check was cashed before the desinated date on the check. I was told that there is nothing they could do about it and that I would be charged an overdraft fee. I have going to this bank for years even before it became PNC from [redacted] and my check and my husbands check have always been direct deposited along with my husbands check as he is a disabled veteran. I asked why there is a date on a check if it means nothing and I know that I could not cash a check without a date. This means that my money can be taken without regard to date but I cannot withdraw my money without a date. This is horrible. I am very upset and was given no kindness or satisfaction.Desired Settlement: I feel that a refund of any overdraft charge in this matter would be satisfactory. I am thinking of changing to a Credit Union and hope I will get more personal treatment as I have in the past.

Business

Response:

Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on August 30, 2013. We have evaluated the information and mailed the response to client. We do not have written authorization from Ms. [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: This company has a very inaccurate and manipulative way of accruing collections of fees from their customer's accounts. In particular I am speaking of overdraft fees. Someone behind the scenes continues to inaccurately post conflicting dates under my account activity and this is highly unacceptable and your processes need to be better supervised or changed. I have screenshots with time stamps as well as receipts, etc... showing a listing of ALL of my account activity as well as my current balance. However, magically out of the clear blue sky, AFTER that time-stamp and what the receipts say and show, somehow "old" or "past" transactions magically appear showing a date that is PREVIOUS of that time-stamp or receipt that YOU provided. The proof that I have shows that whoever is putting this information in, is doing so in a tardy or falsified manner. If a check posted on 12/1 and is not added into my account activity until the next day 12/2 but still has a date of 12/1 showing that was not there initially, this is considered falsifying information and dates and is punishable to a crime by law. I have been a customer and consumer for nearly a decade and I have allowed this issue to go unsaid up until now. Yes, I could have a higher balance in my account or a savings to pull from IF I was financially able, which could avoid these things. However, I am not of the wealthy or the rich. So I have what I have and you as my bank should assess fairly and honestly and not with falsified dates or dates that have been input into my account activity late and try to act as though it has always been there when it has not. This is false and unnecessary confusion and highly unprofessional. You should be serving your customers and consumers with some level of integrity instead of ripping them off for your gain.I am a very loyal customer so it has been VERY hard for me to leave. However, you are leaving me no choice because you have not been able to assist me in any way. I sincerely thank you for your time!Desired Settlement: I would like to be reimbursed the two overdraft fees that were assessed to my account on 12/2/2015.

Business

Response:

PNC Bank, N.A. responded to Ms. [redacted] on 12/30/15, and considers this matter addressed.

Review: I havebeen a PNC mortgage customer for many years. I lost my good full time jib on 9/7/12 I made payments until 12/13 thern couod not continue anymore. I sent them many hardship packets were alot of info to get andfill out 20 pages they either said we never got the whole package or said we did not get specific pages and if they did get it all always found mistakes. There have ben hundreds of people say same thing I feel this is fraud they do not wsnt to help you ot is a paper shufle on theor part. in their hardship packet it states send 2 months of bank statements I did that then they said oh we need ceertified copies np where in ther forms does it say that. I have a pension never got a letter I sen them many monthly statements same payment every month I told them multiply it by 12 oh no need letter from pension co. no where does it stae this either. One time mi had all papers I used white put to make a small correction wrote over it oh no had to reject the whole thing. MY COMPLAINT IS THEY DO NOT WANT TO HELP IN END THYE OFFERRED ME NO HELP JERKED ME AROUND I GOT EMOTIONSLLY SICK FROM THIS. THEN I ASKED FOR A DEED IN LIEU TO SIGN HOME OVER TO THEM THEY ARE SIPPOSSED TO OFFER YIU MONEY TO DO THIOS I GOT LETTER NO MONEY WAS OFFERRED AND THEY SAID AS SOON AS IT GOESD THRU I MUST VACATE ASAP I REJECTED THEOR PROPOSAL. NOW I WANT THEM TO SAY IN WRITING I CN STAY IN HIME TILL END OF OCTOBER ASND PFFER ME 1,000 CASH TO LEAVE HOME I AM RYING TO HELP MYSELF AND THEM BY SAVING THEM FRIM A FOFECLOSURE THIS IS WHAT I AM SEEKING IF THEY DO NOT AGREE I WILL STAY IN HOME TILL EVICTED PERIOD.Desired Settlement: I WANT PNC MORTGAGE TO CHANGE OFFER THEY NADE ME THEY OFFERRED ME TO SIGN HOME OVER A DLEAVE ASAP I NEED UNTIL END OF OCTOBER WILL LEAVE HOME IN A1 SHAPE BY THEN AND I NEED 1,000.00 TO MOVE THSATS WHAT I AM ASKING A FORECLOSURE WILL COST THEM ALOT MOREE I AM TRYING TO WORK WITH THEM AND I NEED THEM TO COOPERATE MORE WITH ME.

Business

Response:

PNC Mortgage responded to the customer by letter on 9-16-2014 [redacted] 9-17-2014

Review: I opened several accounts with PNC Bank approximately 6 weeks ago. I was told at that time that checks and an ATM card would be ordered for my accounts. After 4 weeks, I asked about them. After week 5 I called the Regional Manager and escalated the issue to him. He assures me that the checks would be "overnighted" to me. They finally arrive 3-4 days later. Still no ATM card. When I went by today to close these accounts and move them back to the financial institution I banked with previously, I was told that there would be a $50 "early account closing" fee. WOW...a back that provides itself a $50 incentive to treat it's customers badly. That's a great business model.Desired Settlement: I want to close my accounts (without being charged a $50 for the privilege.) In return, I promise NEVER to put ANY of my money in PNC Bank.

Business

Response:

PNC responded directly to [redacted] on August 26, 2015. PNC believes it acted appropriately and considers this matter addressed.

Consumer

Response:

Review: My wife made a deposit of my student loan check into our account as I always do about every 3-4 months. Before making the deposit, the teller assured her that a portion of the funds would be made available at midnight and the remainder would be made available the next day at a later time. Since we had made two large deposits of this nature in the past, we had no reason to question the bank and made the deposit. The next day we began to pay our bills by check out of our account. It wasn't until we tried to use our debit cards that we realized there was a problem with our account. My wife called and they said they decided to put a hold on the check but gave no explanation as to why. We were told that the funds would be available a week later. We were never notified of the hold, it was just simply placed on the account. When asked about the checks that were already written due to the information my wife was told by the teller at the bank, we were simply told that the bank would reject the checks and we would have to pay the overdraft fees. When we reached the overdraft department, we were told that the hold was placed on by the branch manager. When we reached the branch manager, we were told it was the overdraft department who was responsible for the hold. After three days we are getting the run around and are now being told it is the loss prevention department who is responsible for the hold and the check looked suspicious because it was out of state and an unusual amount that was being deposited in the account. The bank can find no record of the other large deposits I made into the account only a few months ago and now those transaction have disappeared from our online banking account. The bank can also not provide us with a copy of a bank statement. They are continuing to accumulate overdraft fees on the checks that were written that we will have to pay which will be more money we will have to pay the bank and we are now stuck with the consequences that will occur once those checks are declined.Desired Settlement: I would simply want the bank to cover the checks which were written because we were told by the bank the funds would be available. I also want the bank to take the overdraft fees off of my account from these checks because we were never notified by them that there was a hold being placed on the account.

Business

Response:

1-14-2014 [redacted] PNC IS RESOLVING THE ISSUE DIRECTLY WITH THE CUSTOMER

Review: I opened a savings account and a prepaid debit card with p.n.c bank on 2/10/15. I currently bank with [redacted]. I opened my account with p.n.c because my land lord banks with this company and I figured it would be easier to pay my rent if we had the same bank. I was wrong. I set up direct deposit via my employer. I called on Feb 13 2015 to get my account balance and was told to call the over draft hotline. I spoke to someone in that department and I was told that they are closing my account for no reason just because. How do you do business like this?If I was not able to get a account you should have told me that up front. Don't wait until I deposit cash and then close my account. This bank is now better than a check cashing place. There customer service reps are the rudest people I have ever encountered and now I have to wait to receive a check. wDesired Settlement: I want to know why my account is being closed. I WANT A BETTER REASON BEDSIDES JUST BECAUSE AND I WOULD LIKE MY DEPOSIT I MADE ON BOTH ACCOUNTS

Business

Response:

To Whom It May Concern, PNC Bank received the complaint for Ms. [redacted] on February 13, 2015. We have evaluated the information and spoke to client to address her concerns. We do not have written authorization from Ms. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted]Executive Client RelationsPNC Bank

Review: We have been having financial issues since the economy fell, my income was based on commission, therefore, there was a deficit in our household. We continually tried contacting the PNC Mortgage company to no avail. The representative never returned the calls and we weren't notified until 10 days prior that they were auctioning our home. It has been a nightmare. We were lied to in letters and deceived to on the phone, when we spoke to someone, it was never our representative. Information that was requested by PNC we immediately sent by fax, yet they claimed they didn't receive all of it or it wasn't complete. We would then resend the exact same information.Desired Settlement: We would like PNC Mortgage to give us the option of keeping our home at current market value.

Consumer

Response:

No we are not current. We have been trying to make arraingments with the mortgage company, but they haven't cooperated.

Business

Response:

This is in response to your inquiry dated June 8, 2013 regarding the above referenced borrower.

As we do not have written authorization from the borrower to release information to you, we have sent our response directly to Mr. [redacted].

Thank you for contacting PNC Mortgage.

Sincerely,

Mortgage Escalations Group

Review: I initially applied for a business account. I was not able to open the account because I did not have significant documentation from the irs. I came back a few days later and said I wanted a business account, but was given a Virtual Wallet account because it was supposed to be less fees and balance requirements. I asked how merchant services would work, and I was told someone would contact me in a couple days. To fast forward a month, this account is overdrawn, it's not the account I wanted and I want it taken care of so I can move on.Desired Settlement: I want to settle the account and close it.

Business

Response:

Your correspondence to the Revdex.com (Revdex.com) of Western Pennsylvania has been forwarded to PNC Bank’s National Association, Executive Client Relations Office for review and response. I appreciate the opportunity to address your concerns.

Ms. [redacted], in your complaint you indicated that you applied for a business account at our [redacted] branch. Since you did not have the required documents, we were unable to process your request. On May 6, 2013, you opened a Virtual Wallet Performance Checking account ending [redacted]. You also indicated that someone from our PNC Bank Merchant Services Department was to reach out to you, 1 apologized that you were never contacted. Once your business account is established, 1 will have a PNC Bank Merchant Services representative call you immediately to set up this service.

On July 25,2013, we discussed your complaint and reviewed your Virtual Wallet Performance account ending [redacted]. Iconfirmed that this account could not be converted to a business account. I apologize for any misinformation you may have received. I have been in contact with [redacted] manager of our [redacted] branch to review your complaint. Mr. [redacted] has addressed your concerns and agreed to personally help you with the opening of your new business account.

When you informed me of that you were given misinformation about the conversion of your Virtual Wallet Performance account ending 3238 to a business account. I agreed to refund all of your fees totaling $350.00, $252.00 (seven $36.00 Non Sufficient Funds (NSF) fees) and $98.00 in Continuous Overdrawn fees. A copy of your June 20,2013 through July 18, 2013 statement has been enclosed for your records. You agreed with my refund and informed me that you would make a deposit to cover your purchases for the remaining negative balance -$104.03 at the [redacted] branch.

On Friday July 26, 2013, your Virtual Wallet Performance Checking account ending [redacted] charged off. Your charged off balance was sent to our Collections Department, a $30.00 collection fee was assessed. The total amount owed to settle your account is $134.03.On August 7, 2013, you informed me that you we going to stop in the [redacted] office to pay the charged off amount and open your new business account.

As of the date of this letter, [redacted] and I have been unsuccessful in trying to reach you. We are committed to help you get your charged off balance satisfied and your new business account opened. If you need to set up an appointment, please contact me directly at ###-###-####, or [redacted] at ###-###-####.

Sincerely,

[redacted] Assistant Vice President Executive Client Relations