PNC Financial Services Group, Inc.

Review: On a particular occasion (I cannot remember the exact date) I visited my local PNC Branch located at [redacted], to discuss a separate matter concerning my savings account, a male representative invited me to his office and encouraged me to apply for the PNC [redacted] Credit Card. After he explained all the perks of possessing the card (excluding details like the $10 charge associated with overdraft protection and a minimum interest charge of $1.50), especially that of it serving as overdraft protection for my checking account, I declined to apply at that moment and time. Nonetheless, an interest in applying for the card was indeed sewn in me, and I eventually did apply and was issued the credit card. Soon after being issued the card, I effectively set it as my overdraft protection account in my online account portal. This month of March I experienced financial hardship and suffered a shortage in my checking account. Trusting my PNC [redacted] Credit Card would protect the overdraft, I allowed it to happen. To my surprise, however, I was charged a $10 finance cash advance charge because of this. I was not aware of this charge nor was I prepared for it. Therefore, I contacted PNC today, March 26th to dispute the charge and complain about the minimum interest charge also. I spoke to a customer service representative, explained the issues, and was transferred to a credit card representative. After discussing the issue and finally requesting a refund as a one-time courtesy for the $10 finance charge, the representative refused. Subsequently, I requested the matter be escalated to her supervisor. After discussing the issue with the supervisor,[redacted]', and requesting the $10 finance charge be removed as a one-time courtesy yet again, she refused to do so. Once again, I requested the matter be escalated and I was transferred to [redacted]'s Team Lead, [redacted]. After discussing the issue with [redacted] and pleading with her to remove the $10 finance charge, she refused to do so.Desired Settlement: I would like the $10 "cash advance finance charge" imposed on me on 03/21/2015 to be removed as I was not aware of the charge nor was I prepared for it. Furthermore, I have replenished the $50 used as protection as of 3/24. I would like the $1.50 minimum interest charge imposed on me on 03/25/2015 to be removed as I paid my statement balance in full on time and was not aware of a minimum interest charge nor was I prepared for it.

Business

Response:

On April 23, 2015, we resolved the issue to the customer's satisfaction. He has the contact number if he has any further issues.

thank you

[redacted] for ** 4-27-2015

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: On 11/25 the ATM PNC bank took $400. It showed the money but closed the cash door and wouldn't dispense it. The branch manager wrote up a dispute but when I asked for my money said he couldn't do that. I then took an additional $400 out via the teller. I have subsequently found out that it is their policy to extend provisional credit in these circumstances. They found the money in the machine on Friday. I know this because of my meeting with a supervisor at another branch. I have called and they "escalated it" and promised me a phone call. I tried to meet with the original branch manager but he was too busy and no one else would address my issue. As I write this, I have been on hold for 1/2 hour for a "specialist". To recap: it is 5 days later and I don't have my money, no one has called or emailed me and every attempt at resolution has placed me in limbo. I have been told by 2 different PNC employees that I should have received provisional credit immediately. I make well over $100k and have a lot of money deposited in this bank on a regular basis. Not any more. I will be leaving this bank for one that cares. Btw, a canvass of competitors showed I would've received my money at their banks.Desired Settlement: Give me my $400 right away. Try hiring someone over the age of 25. Everyone working at this branch was very young. I'm guessing they didn't have the common sense that comes with experience.

Business

Response:

12-7-15 - JLH - Issue resolved directly with client.

Review: On 4/9/13 a check was posted to my account that brought my balance to $1.88. A cash withdrawal on 4/10 overdrew my account, which was expected, but I was charged a total of 4 overdraft fees. I asked the bank why I was charged 4 overdraft fees, when only one transaction actually overdrew the account, but they said that they were going to assess fees based on items that were "pending". This is contrary to how their overdraft policy is written. I feel these fees were unfairly assessed. I have no problem paying a single overdraft fee for the transaction that actually put my account in the negative, but to take an additional $104 from my account based on a pending item seems fraudulent, and is taking advantage of the customer.Desired Settlement: I would like to see PNC do the right thing and refund $104 in fees to my account. I would like to think that a bank as large as PNC is interested in keeping their customers happy, and realize that there is more to running a business than screwing customers through fees.

Business

Response:

Executive Client Relations for PNC Bank (“PNC”) received an inquiry from the Revdex.com on

May 23, 2013. Thank you for this opportunity to research and respond to your concerns regarding Overdraft

Item Fees assessed to your Virtual Wallet Spend account ending [redacted].

According to our Account Agreement, “

In determining whether you have sufficient funds in your account we

will consider all pending electronic transactions (including, but not limited to, point-of-sale transactions) for

PNC

receives transaction information from merchants and other sources throughout the business day and during

evening processing hours.

My review of your account indicates three (3) Overdraft Item Fees totaling $108.00 were appropriately

assessed to the account on April 10 and April 11, 2013 for items that posted to the account, as explained in

the notices sent to you on the dates the fees were assessed. Therefore, we respectfully decline your request

for refunds.

Overdraft Protection or PNC Alerts, which in addition to keeping your account register up to date, recording

purchases as they are made, and maintaining a positive account balance, may help you effectively manage

the account and avoid the assessment of fees. Should you wish to explore your options, please visit a PNC

branch or contact PNC’s Customer Care Center at ###-###-#### ([redacted]), Monday through

Friday between the hours of 7:00 a.m. and 10:00 p.m., and Saturday and Sunday between the hours of 8:00

a.m. and 5:00 p.m. (ET).

Thank you for giving us this opportunity to clarify the Bank’s position. Should you have additional concerns

regarding this matter, I may be reached through Executive Client Relations at ###-###-####, extension

[redacted]6, Monday through Friday between the hours of 8:00 a.m. and 4:30 p.m. (ET).

Consumer

Response:

Review: I recently opened a personal loan at the [redacted] branch to consolidate credit cards for simplicity of payoff. At NO time during our discussion did the personal banker and I discuss closing the credit cards. When I stopped into the branch to sign the paperwork after being approved for the loan, the personal banker explained that the letters going along with the payments to the credit card companies were to ensure that the proper account would be credited. I read through the loan contract carefully, but quickly signed the letters as they were simply to alert the credit card companies of the correct account, per the personal banker.

A couple of weeks later, I received notification from one of my credit card companies that my account had been closed. Again, I read through the loan documentation, which does not include any provisions about closing the credit card accounts. I called the credit card company and asked for the account to be reopened, but they refused to do so without a letter from PNC stating that it had been closed in error.

I contacted the PNC personal banker and alerted him to the fact that there is no documentation supporting the closure of the credit cards, aside from the letters that he indicated were for purposes of communicating the account numbers. The personal banker got back to me and said that he had spoken to the loan department, but they refused to assist with reopening the credit card account. His solution was for me to apply for a PNC credit card.

The point of keeping the other credit cards was to maintain the credit history that I have already worked to establish; hence, offering a PNC credit card is not in line with that objective nor is it an acceptable solution.Desired Settlement: I will be paying off the loan next week and would like PNC to provide a letter to the credit card company to reopen my account. I would like to be contacted by a PNC representative regarding my request.

Business

Response:

Good Afternoon PNC Bank, N.A. responded to [redacted] on March 6, 2016 and considers this matter addressed. Thanks Lauren R[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.PNC did nothing to address my concern. They would not contact [redacted] on my behalf to notify that the personal loan in question, which caused the [redacted] credit card to be closed, had been paid in full in cash and was no longer in existence. The representative provided no additional detail to me of the action she took to attempt to resolve this issue, aside from saying that they would not contact [redacted] I am not satisfied with the resolution, since there was none as evidenced by the lack of information included in the PNC representative's response to the Revdex.com.

Regards,

Consumer

Response:

Please see the attached loan documents and payoff letter. As previously indicated within the complaint, when the payoff letters were presented to me by the personal banker he said they were to ensure that the credit card companies would know the correct account for application of the payments. Aside from this letter being titled 'cancellation', there was absolutely no conversation at any time during the application or signing process about my accounts being closed and as you will see, there is no discussion of such in the loan documents either. Please let me know if you require additional information.Thank you,[redacted]

Business

Response:

PNC Bank, N.A. responded to [redacted] on April 21, 2016 and considers this matter

addressed.Melissa G[redacted]Executive Client Relations

Consumer

Response:

Review: On Dec 8th I called PNC bank to make a payment on a vehicle loan I have with them. Evidently I was dealing with a new employee for it took longer than usual. I was put on hold, it took forever, the lady kept coming back on the phone to ask additional questions, ect. Sure enough, the next day when I checked my online bank statement, the lady had charged me twice. Two payments at $460.00 each. I immediately called the bank back. I was put on hold, transferred, cut off, disconnected and finally got hold of a live person. They were rude and made me feel as if it was all my fault! They told me that they couldnt do anything and that I needed to contact MY bank to correct it. It felt like they were just trying to get me off the phone. I reluctantly called my bank and was told that they could cancel the additional transaction but that it would cost me $38.00! I was reluctant to pay an additional $38.00 when this whole thing wasnt my fault. Over the course of several days and MANY hours on the phone, I was sent to customer service escalation department. I was told that they would get right on it and he would call me back later that day to let me know what they were going to do about it. I was never called back! I called back the next day, this is now going on 3 days and nothing was done and no return phone calls! After an hour of holding, transferres, disconnects, ect. I finally was in contact with another escalation representative named [redacted]. Oh she was going to solve my problem and find out what was going on. To make a long story short, it has now been over a week and not once has anyone ever called me back and PNC still has my money. I have called and left messages several times to [redacted] and have never received a call back. I dont know what to do? I have no recourse. Can a bank just take my money and I am helpless??? PNC has had $460.00 of my money for over a week now and I need that money for food and to pay bills. I am so frustrated I dont know what to do. Is this not just plain and simple robbery? Please help me.Desired Settlement: I want my money refunded, a SINCERE apology, and some type of restitution for them having my money for over a week and for their lack of concern for position they put me in!

Business

Response:

To Whom It May Concern,

We do not a signed third party authorization to allow us to discuss this issue with the Revdex.com. Please know we are working directly with our client to resolve this matter.

Respectfully,

Review: We applied with a state program for assistance with our mortgage. We were approved through the state program and PNC Mortgage sent over whatever documentation that was required for the approval to go through. We signed approval papers in October with the state program for them to make payments on our mortgage. January 19, 2014 I receive notice that my January mortgage payment was not paid and was not late. I reached out to the state program and they informed me that in November PNC Mortgage sent back the money they sent to them stating they were denying it because we were in a loan modification with them. They completed a loan modification because it was in the best interested of PNC Mortgage (they were able to add all these fees and monies to the back end of my mortgage) not me the Customer. First, we were not aware that we applied for a loan modification because we knew that it would not provide the financial assistance we needed. Second, why would a mortgage not notify a Customer that they were not accepting the payment from a third party. Third, why would they not take money for a Customer. This is something that needs to be taken care of as soon as possible because we are not in the financial situation to pay our mortgage so we are going to be in the same situation in a few short months and not have the ability to go to the state program. PNC Mortgage will not be getting their monthly mortgage payment and will be at risk of losing our family home. Then me, my husband our 3 year old will not have anywhere to live and they will be owed money. Why not just accept the payment from the state program and show your Customer that you are there to support in a time of financial need. You accepted the information from the beginning so the state completed their paperwork process. We are in a desperate situation and are in need of this assistance.Desired Settlement: DesiredSettlementID: Other (requires explanation) We want PNC Mortgage to submit the appropriate paperwork to [redacted] program to accept the back funds and the monthly mortgage payment from them for the terms we signed for. We have no problem with them removing the loan modification we were unaware of and then taking the state program once they agree to the terms again. We also need to be kept informed in a timely manner. We were never notified of this.

Business

Response:

March 28, 2014

Good Afternoon:

Please see the attached correspondence for explanation.

Thank You,

Review: I have a complaint about PNC Banks's business practice pertaining to the collection of service charges. We were a customer of PNC Bank and PNC Bank withdrew $1800 in service charges from my account without notifying me prior to the withdraw thus causing checks and purchases to bounce causing yet another $1200+ in service charges. I have since removed my business from PNC Bank due to the malicious nature of this practice.Desired Settlement: I want all service charges removed from my account since PNC Bank causes these service charges by withdrawing the $1800 from my account without my knowledge.

Business

Response:

November 13, 2015 PNC Bank, N.A. responded to [redacted] on November 13, 2015, and considers this matter

addressed. Thank you,ACBPNC Bank

Review: My name is [redacted]. On Friday, 2/21/14, I went to the PNC branch in [redacted] to deposit my [redacted] payroll check. I did not realize that there would be a 2-day hold on all check deposits for the first 30 days of my account. When I told the branch manager, [redacted], that I really needed to cash my check, he called a personal friend of his who is a branch manager at [redacted] to verify the funds. The funds were verified and I was given $600.00 cash of my $1,278.58 check. Since the check was already verified with[redacted], I assumed that the entire amount would be available. I even offered to go to [redacted] to cash the check, but Mr. [redacted] told me that would not be necessary since he did not want me to have to pay a check cashing fee. After returning home from the bank, I made several utility payments that same day. Now my account is showing that I have been charged for FOUR NSF fees (4 x $36.00 = $144.00). This ovviously is going to have a serious impact on my budget and leaving me and my family in a real financial bind. This is not how I expected to be treated when I opened this account with PNC Bank. I could understand if it was a personal check or some other random check, but this was my PAYROLL check. When I chatted online with a PNC Customer Service Representative, she told me that the branch could make the funds from my Friday deposit available, but Mr. [redacted] told me that he could not do that.Desired Settlement: I would like the $144.00 in NSF fees reversed, as I was willing to go cash my payroll check at [redacted].

Business

Response:

no authorization on file. A response letter is being sent directly to the customer.

Review: PNC Bank could not provide me with any information on why my virtual wallet account was not available. I opened an account and was told that I could access my information online within 3 days. A week later, my account was still not available, and even worse, I would not be able to have access to my money until my debit card arrived. The only way to remedy this was to go to the bank and make ANOTHER deposit (which after moving out of state and already having no access to my money, I did not want to do), and then they could change my pin number. The customer service representative was rude and unhelpful and did not solve my issues. In all, I moved out of state, put my money into an account with PNC Bank, and was told I would have online access within 3 days via virtual wallet, and this information is a farce.Desired Settlement: Close my account and refund all of my monies. In addition, stop making empty promises to consumers, especially those who count on online services.

Business

Response:

PNC Bank, N.A. responded to [redacted] on November

12, 2015, and considers this matter addressed.

Review: I [redacted] would like to issue a complaint against PNC Mortgage. I'm trying to purchase a new home and this whole process is very stressful. To add insult to injury Mr. [redacted] is my loan officer. He has asked me for several documents during this process along with my realtor [redacted] as well. I've turned dated anf signed every document that was askes of me. Mr. [redacted] has turned my file for processing. The processor [redacted] received my file on or around the 1st of October. The reason I know is because on the 6th I was calling Mr. [redacted] inquiring about my loan status. I was then told I could call customer care and get answers. I called and spoke with a very nice lady who informed me who my processor was and she was trying to get in touch with me and we discovered the numbers were wrong. This nice lady took the time out and went over all the information Ms. [redacted] was suppose to go over. I then tried to contact Ms. [redacted] the following day to speak with her andshe was unavailable. I spokewith another associate and he informed me of what I needed. But when I finally spokewith her she wasn't very friendly. I asked her did I need any additional information at that time again she said no and my loan officer put a closing fate of 21st do she wad working with that time line. I called my loan officer yo verify that snd he told me that wasn't true. Time is of value right now with me meeting deadlines with my lease . She also left and went out of town and left my file. Then after two days I was told yhe file was given to another associate who never called me and was impossible to reach. Once I did reach her she said she wanted to make sure she had everthing because she knew I was upset. Now how can she possibly know that if she never spoke with me. Now she is requesting stuff thats already in my file unless someone moved it purposely do she couldn't find it. This type of behavior is unacceptable and my deal needs to get to the closing table like yesterday. ASAP Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) If I have to stay in my apartment another month due to the neglect of my file somebody need to pay my rent.

Business

Response:

PNC Bank is resolving this issue directly with our client. We are in the final review of our response letter. Thank you. [redacted]

Review: I have Checking A/c No xx-xxxx-[redacted] with PNC Bank. A check #[redacted] for $122.00 was issued by me to the ** Dept of Revenue on April 12, 2013 as payment of estimated tax. ** Dept of Revenue kept insisting that it never received the payment, and billed me for penalty and interest in the amount of $62.44, while PNC Bank kept insisting that the check was paid on April 19, 2013. To avoid further interest, I sent another check #[redacted] for $184.44 to ** Dept of Revenue on Dec 1, 2014. At my request, PNC Bank initiated an "Unauthorized Item Dispute" on Dec 12, 2014. Almost three months later, PNC Bank hasn't found anything. I decided to investigate on my own, and have now established that PNC Bank paid my check #[redacted] for $122.00 to ** Dept of Revenue, even though my check was clearly made out to ** Dept of Revenue. PNC Bank employees now tell me that"thousands" of checks pass thru their system, and payee names and endorsements on the back of the checks are not always checked! While this is a matter of serious concern to me, PNC Bank owes me an immediate refund of $184.44.Desired Settlement: Refund of $184.44.

Business

Response:

March 4, 2015Dear Ms. [redacted],PNC Bank has worked directly with the customer for resolution of his concern. Please feel free to contact me if you have any questions regarding this matter.Sincerely,[redacted]OfficerExecutive Client RelationsEnterprise Escalation Group

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: Per most mortgage policies, you are required to produce proof of insurance for your household to ensure the banks collateral is protected on the note they extended. If you do not provide (or PNC does not properly add), PNC will purchase a plan for you at an excessive rate. PNC has a vested interest in supplying you with their insurance provider as it is a large source of income for them.You are notified to provide with a very non-descript letter in US mail which looks like an advertisement, this can come at any time regardless of you having or not having insurance. PNC refuses to notify you electronically (via portal / email) or through phone. Their reasoning is electronic notification and phone calls are not secure, only federal mail is. (their mail contains no person information)In 2013, I was required to provide the same proof of insurance 3 different times (all the while I never lapsed insurance). I was told by PNC they sporadically need proof. I myself tried to provide the first time. I personally sent 3 faxes and 2 mailings, along with follow up calls to the company with lengthy hold times. My insurance company did the same and voiced equal frustrations with PNC specifically. After a months and multiple attempts to provide, it was finally put on file. This then repeated again, and I am currently dealing with the third.As I am currently overseas, I have hired a broker who specializes in these mortgage scams to provide the information on my behalf. Currently I pay this individual to simply fax, mail, and call PNC to try and prevent them from extorting me.I am currently attempting to escalate the conversation with the company, and the customer service is mind numbly disturbing. Whenever I call in I am told no managers are aroundMy mortgage was transferred from an honest firm without my choice as PNC purchased a bundle of mortgages at a discount. Very disappointed in this firm and hope this complaint is taken seriously.Desired Settlement: I would like an electronic option if somehow what PNC doing is legal.I would also like this to be addressed by senior management

Business

Response:

PNC will be responding directly to the client. No release was sent.

Review: My home equity line of credit with PNC Bank expired. I contacted PNC bank about a new line of credit that was offered at a lower rate. After jumping through all of their hoops,providing documentation, some twice (my wife and my W2s) we were denied. Reason - cannot afford it. Debt to income ratio is too high. My wife's credit score is 829. My credit score is 814 on a scale up to 850.I went to a competing bank, and the Loan Officer said the reason was, the Underwriters do not understand how to read the business tax returns properly.We have some income properties that generate a profit, and that profit goes back into the company. Personal monies do not go into the business. We are looking for about 10% of our appraised value for this Line of credit. PNC has never asked crucial questions about values etc. I feel that they do not want to write this loan, and our loan officer was contacted the day we received the denial letter. She did not return my phone call for a week. She then played the "blame it on the underwriters game" and basically said there was nothing she would do, other than forward it to her supervisor. We have now received a letter stating that our account is past due and to submit the Full amount of the loan "to bring your account up to date and avoid further collection activity". I am smiling as I type this, because it is laughable the that they would expect me to write a check for the entire amount due on the line of credit. In closing, this is the most important part of my complaint. I have asked the question to [redacted] and she cannot provide an answer. IF WE CAN AFFORD TO PAY THE HOME EQUITY LINE OF CREDIT AT THE CURRENT RATE, HOW IN THE WORLD WOULD WE NOT BE ABLE TO PAY IT AT THE LOWER RATE?!! If we don't qualify for a loan, then who would?.Desired Settlement: Write the loan that was applied for at a lower rate. The current loan is expired. Reimburse any legal fees associated with this issue, (ie. negative affect on credit scores etc.)

Business

Response:

Closing case. Responding to client by way of a complaint the client placed with the CFPB.

Review: On Thursday, September 26, 2013 I called PNC Mortgage to request a copy of the complete payment history for my mortgage {[redacted]} specifying the interest rate I had been paying {7.625} and the rate I am now paying {3.625}. I need this information so I can provide it to my second mortgage lender for the purpose of modification. I was told by PNC's CSR that I would "receive it in 3 to 5 business days". After waiting several days I contacted PNC Mortgage again on October 9, 2013. They confirmed the payment history was sent but indicated they could send another one which should "arrive in 7 to 10 business days". These delays are costing me money because I can't get a second mortgage modification without the PNC mortgage history.Desired Settlement: I want my mortgage history sent to me in an overnight package so I will no longer be delayed from obtaining a modification on my second mortgage.

Business

Response:

PNC Mortgage has researched the concerns expressed in the October 15, 2013 Revdex.com correspondence referenced above.

Please accept this letter as confirmation that PNC Mortgage sent a response to the consumer regarding this issue.

Thank you for contacting PNC Mortgage.

Sincerely,

Mortgage Escalations Group

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.

Regards,

Review: MY BANK MAILED ME SOME CHECKS ASSOCIATED WITH MY VISA ACCOUNT WITH AN OFFER OF ZERO PERCENT FINANCING FOR TWELVE BILLING CYCLES WITH ONLY A 3% FEE DUE AUP FRONT. THE OFFER HAD NO DATES ON IT WHEN IT MUST BE USED BY. I WROTE A CHECK FOR $8264 WHICH POSTED ON 11/18/15. I WAS CHARGED THE 3% HOWEVER NOW THEY ARE ALSO CHARGING ME DOUBLE DIGIT INTEREST ON THIS AMOUNT. I MADE SEVERAL PHONE CALLS ABOUT THIS, ONE WHERE THE WOMAN TOLD ME SHE WOULD GET BACK TO ME IN TWO BUSINESS DAYS (THAT SHE HAD TO CONTACT THE PROGRAM MANAGER) AND THEN I NEVER HEARD FROM HER AGAIN SO I CALLED AGAIN TWO WEEKS LATER. I WAS FINALLY INFORMED THAT EVEN THOUGH THEY KNEW THERE WAS NO INFORMATION ON THE OFFER LETTER WITH DATES IT WAS VALID (WHICH THEY COULD HAVE CLEARLY INCLUDED IF IT WAS A LIMITED OFFER) AND THAT I NEEDED TO GO BACK AND READ THE FINE PRINT OF WHEN I TOOK OUT THE CREDIT CARD (INDEED IF I NEEDED TO DO THAT THEY COULD HAVE SPELLED THAT OUT IN THE OFFER LETTER).

I THINK THIS IS VERY WRONG AND THAT IF THE OFFER WAS INDEED NO LONGER VALID THEY SHOULD HAVE NOT HONORED THE CHECK AT ALL. THIS SEEMS LIKE A BAIT AND SWITCH TACTIC AND NOT WHAT I WOULD HAVE EXPECTED FROM PNC WHICH ALSO HAPPENS TO BE THE SAME BANK THAT I HAVE MY HOME EQUITY AND CHECKING ACCOUNTS WITH AND I HAVE BEEN THEIR CLIENT FOR MANY YEARS.Desired Settlement: 1. REFUND OF ALL INTEREST CHARGED TO ME

2. FUTURE OFFERS SHOULD HAVE THE DATES ON THEM IF THEY EXPIRE

Business

Response:

Good AfternoonPNC Bank, N.A. responded to [redacted] on March 8, 2016 and considers this matter addressed. Lauren R[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below A woman did call but she had nothing to add to the dispute which I consider unresolved.

Regards,

Consumer

Response:

---------- Forwarded message ----------From:Date: Mon, Mar 28, 2016 at 11:14 PMSubject: Re: You have a new message from the Revdex.com serving Western Pennsylvania regarding complaint #[redacted]To: Revdex.com I did not receive a written offer, only a phone call which was the same response that was in my complaint.Sent from my iPhone

Review: Once again i'm filing a complaint with PNC Mortgage. I have filed numerous complaints regarding the same situation yearly with my taxes. I mailed and faxed my tax for my home and when I ask them to confirm the receipt of it they tell me they cannot confirm to fax it again. I'm tired of going through this yearly with these people. They are the worst mortgage company ever. One time, if you look back on my previous complaints, they didn't pay my school tax. Thank [redacted] my accountant pointed that out. I had to literally beg them to pay this asap. Here is a copy of the email,

Message Detail

Originator: [redacted]

Loan Number: [redacted]

Printer-Friendly Version

Date Sent: 04-15-2015 15:38:04

Subject: Mailed/Faxed

Original:

Good afternoon,

Please confirm the receipt of my taxes, I mailed it and faxed it too.

Thank you,

All times in Eastern Daylight Time

Originator Message

04-16-2015 15:03:10

This is a normal pattern with your bank. Every time I have to go through this ** with you guys. I will fax it over again and I will also file another complaint with the Revdex.com. I have already filed numerous complaints and I will continue to do so because you are the worst mortgage company.

CSR

04-16-2015 14:48:05

Dear Ms. [redacted],

Thank you for your email inquiry concerning your mortgage loan.

Please be advised that we are unable to verify receipt of your tax invoice. If possible, would you please fax it ###-###-####? Customer Service can then monitor receipt of the tax bill. We apologize for the inconvenience.

Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at ###-###-####, or respond to this message.

“We value your feedback! Please take a moment to complete this very brief survey and share your experience with us. Your suggestions will assist us in improving the level of service that we provide to you, our customer. Simply copy and paste the link below into your address bar to complete the short questionnaire."

Customer Service Department

PNC Mortgage [redacted]

04-15-2015 15:38:04

Good afternoon,

Please confirm the receipt of my taxes, I mailed it and faxed it too.

Thank you, [redacted]Desired Settlement: I feel this mortgage company needs to be fined. It's a continuous pattern of neglect.

Business

Response:

In our drafted response, we explained why the school tax bills are sent directly to the customer, and she needs to forward them to PNC. We confirmed receipt of the borrower's current documentation, and provided the borrower with the mailing address and fax number to submit her information in the future.

Consumer

Response:

Review: PNC is giving me the run around on a loss claims transaction. I sent them my insurance claim check (which they acknowledged receipt of in writing) on 7-22-15(which took a month). It is now 2 months later and my contractors are still waiting for money down to get the work started. Each time I contact them they need more paper work. Then when we both know they have all documents and then some, they don't return phone calls or e mails. I finally get ahold of someone and they claim the checks will be in the mail this week. The weeks come and go and nothing. I am tired of dealing with incompetent people! Are these people really this stupid? They are holding a lot of money, which they claim is in a restricted escrow account (bt). I know damn well they are trained to operate like this so the company can make interest on money that is not even theirs!!! This is crooked in my book. I will be refinancing with another mortgage company when this is all over. btw my mortgage was sold to PNC so it wasn't my choice. STAY AWAY FROM PNC!!!

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Contact by the Business

Pay the money to me that is not even theirs!!!

Business

Response:

PNC Bank, N.A. responded to [redacted] on October 23, 2015, and considers this matter addressed. Thank you

Review: I called in early 2014 to refinance my auto loan from an existing auto loan with PNC Bank and was told I would not have to pay the titling fee since my vehicle was already titled with PNC Bank. I work with the [redacted] so this was an issue I wanted covered because it's $96 for the state of [redacted] and I was trying to CUT costs.When I went into the [redacted] location to finish the signing I was told I had to pay unless I could contact [redacted] who was the Rep. on the phone who told me I didn't have to pay. She could not be contacted and thus in order to get my Refi done, I had to pay. I tried to contact PNC's Retail Escalation department after raising the issue with a Customer service rep. I returned phone calls and no one has gotten back to me on the matter.My Issue is that I was charged for something that wasn't even done. I was charged for a new title but a new title was never done. This is deceptive practice!!!!!!Desired Settlement: I would like my account credited the $96.00 for the title that was never done and does not need to be done SINCE MY LOAN WAS ORIGINALLY WITH PNC.

Business

Response:

PNC has reached out to the customer and is working directly with the customer to resolve this concern. Thank you!

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 was using a pnc atm and it broke down in the middle of the transaction and it took out $500 out of my account and never gave me the cash. I have spoke to 4 managers and not 1 has called me back. They are giving me the run a round. please adviseDesired Settlement: $500 back in my account

Business

Response:

10-31-2014 [redacted] customer was advised of the resolution by mail. issue resolved to customer's satisfaction.

Review: Since I've started 4 accounts with PNC Bank (1.business 2.personal 3. Wife's personal 4. Joint account)back in March 2013, I have had nothing but problems with them. I have been consistently lied to, talked down to with condescending tones, hung up on, transferred to car insurance companies instead of the correct departments, and just plain treated like dirt. I was just charged several overdraft fees that I shouldn't have been charged. In the beginning they fixed them, now they don't want to fix their own mistakes, own up to their mistreatment of customers, nor make official apologies for their immoral behavior. Just because I don't have a million dollars in their bank gives them no right at all to treat me like a peasant. Then their was the issue of the over draft I made for $36. Instead of allowing the overdraft to go through for this small amount on one card, they only allowed half of it on each card. So in other words instead of allowing me to one card with one fee which I could manage to catch up one account I had two fees on 2 accounts, this is ludicrous. If I opt In on an account to leverage funds then I think that $36 is hardly a lump sum to decline. So evidently it was done just to charge me more fees. When I make complaints with them i've never gotten a call back except once & I've made several. Something must be done to stop the monopolizing attitude of these financial institutions.Desired Settlement: First, I would like an official apology. Second, I will own up to my overdrafts & pay them as soon as my funds are available to catch them up. However, I also want them to take claim for their scrupulous charges they've charged me. Third, all involved should be held accountable as any business should.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on October 8, 2013. We have evaluated the information and will work with the client towards resolution. 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