PNC Financial Services Group, Inc.

March 19, 2015PNC spoke with *** *** on March 18, 2015, about her complaint and we consider this matter addressed
Thank you,
*** ***

To whom it may concern:PNC Bank, National Association received the complaint for Mr*** on November 12, We have evaluated the information and attempted to contact Mr*** with no successPNC has mailed a written response to Mr***However, we do not have
written authorization from Mr*** to respond to your office with specific detailsPlease feel free to contact me at ###-###-#### with any questions.Thank You,*** ***

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

March 20, 2015PNC attempted to contact Mr*** by phone on March 9, 201,and by phone and email on March 13, 2015, but was unsuccessfulWritten correspondence was mailed to Mr*** and we consider this matter addressed
Thank You,
*** ***

Please allow me to respond to your complaint filed on January 5, with the Revdex.com ("Revdex.com”) regarding your PNC Bank, National Association ("PNC”) checking account ("Account”) ending in ***I appreciate the opportunity to address your concernsOn July 22, and July 24, 2014,
PNC received two (2) disputes from you alleging errors related to two (2) debit card transactions from *** *** in the amount of $that posted to your Account on July 1, 2014, and *** in the amount of $that posted your Account on July 11, The information provided in the disputes indicated that you authorized the transactions but the items were returnedUpon receipt of these disputes, PNC began the investigation into the disputed transactionsProvisional credit in the amounts of $and $were issued to your Account while we investigated your claimWritten notification of the provisional credits along with a dispute questionnaire requesting additional information related to the claims with a ‘reply by’ date of August 08, was mailed to your address of recordOn August 12, 2014, PNC received the returned questionnaireOn August 25, 2014, PNC denied your dispute in the amount of $as PNC determined that based on the information available to us at that time, the transaction processed as instructed by the merchant and was related to the returned merchandise and the USPS provided the service and returned the merchandise per your requestSubsequently, this result was communicated to you and you were advised that the provisional credit in the amount of $that was previously issued to your Account would be reversed in five (5) business days from the date of the letterOn September 02, 2014, the provisional credit in the amount of $was reversed from your AccountOn October 20, 2014, your dispute in the amount of $was finalized and written notification was mailed to your address of record advising you that the provisional credit in the amount of $that was previously issued to your Account on July 22, was made finalYour complaint also included concerns regarding an overdrawn balance on your AccountTo request account closure, all outstanding transactions, credits and/or debits, must post to your Account prior to closingOur records confirm that on December 9, 2014, you withdrew $*** from your Account but had a transaction that had not yet postedA transaction in the amount of $from *** *** *** *** was processed against your Account on December 9, 2014, resulting in an overdrawn balance of $On December 10, 2014, a $PNC Purchase Payback Award was credited to your Account and notification was mailed to your address on record detailing the December 9, account activityA copy of this notice is enclosed.Additionally, fourteen (14) $Continuous Overdraft Fees totaling $were assessed from December 15, through December 29, As disclosed in PNG’s Consumer Schedule of Service Charges and Fees within the Overdraft Services section, there is a $per day fee assessed each day the account remains overdrawn for or more consecutive calendar days, up to a maximum of $A copy of the Consumer Schedule of Service Charges and Fees is enclosed for your referenceIt is PNC’s practice to refund any fee assessed as the result of a proven bank errorHowever, PNC is sympathetic to your concernsOn December 30, 2014, the (14) $Continuous Overdraft Fees were refunded to your Account as a courtesy resulting in an overdrawn balance of $On December 31, 2014, PNC issued a courtesy credit in the amount of $and closed the Account as you requested on January 7, The Account was not reported to Chex Systems as it was closed with a zero balanceThank you for allowing us to clarify our position in this matterIf you have any questions or additional concerns, please call me toll free at ###-###-####-***I am available Monday through Friday from 8:AM to 4:PM, Eastern Standard TimeSincerely,*** ***Assistant Vice President Executive Client Relations Enterprise Escalation Group

On Mon, Dec 8, at 3:PM, wrote:*** is the correct complaint number for ***. Issue was resolved Thank you *** ***Assistant Vice PresidentExecutive Client Relations Enterprise Escalation GroupPNC Bank***
*** *** *** ***
*** ** *** (p) ###-###-#### (f) ###-###-####***

According to Mr***s Revdex.com complaint he states that he received a promotional offer, we have contacted him and explained the qualifications for the promotional offer and consider the issue resolved.*** ***Executive Client Relations

PNC Mortgage is in receipt of your December 17, inquiry sent to the Revdex.com regarding the referenced loanYour inquiry was escalated to the Enterprise Escalation Group on December 19, Our records indicate that this account has been discharged in bankruptcyPNC
Mortgage is not attempting to collect against you personally but is simply responding to your requestIn your correspondence you express frustration because you are no longer sent coupon books and are accruing late fees as your payments are not being processed in a timely mannerYou state that you send your payments in at least eight to ten days in advance; therefore you should not be charged late feesRegarding your statement about no longer receiving payment coupon book, as of January 2014, PNC Mortgage is unable to send coupon books to borrowers with discharged Chapter bankruptcies where the debt has not been reaffirmed, as this could be seen as an attempt to collect a debtPNC Mortgage posts payments to your account as they are received; therefore, we are not responsible for the length of time it takes to for the delivery of the fundsPlease mail payments at least business day prior to the due date to ensure no further late fees are incurredYou may also make payments at your local PNC Bank branchPlease note that because our bank branches and our mortgage servicing offices operate on two separate systems, mortgage payments made at a PNC Bank location may take two business days to post to your loanHowever, these payments are posted with the effective date of the bank transactionIt should also be noted, that payments made later in the afternoon at a bank branch, may not post until the following business dayPlease talk to a branch representative should you have questions regarding this matterAs a courtesy, we waived the January late fee of $We hope that we have sufficiently addressed your concernsIf you have further questions concerning this matter, please contact us at ###-###-####Sincerely, *** *** Enterprise Escalation Group In Support of Mortgage PNC Bank

4-8-15- *** - Issue has been resolved directly with the client

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
PNC Bank DID NOT address the date of my complaint (January 26) and the rudeness of the representativeAs I stated in my complaint, I informed him that it was mailed and he kept saying that they didn't get itI told him the exact date that I mailed it and he says the PO was closed that day and was indirectly calling me a liarHe also stated that I should for future reference pay on line (which I can not do because I do not have a PNC Bank account) or set up auto pay because the PO is not reliable Really? If PNC Bank feels that the PO is not reliable then they should not give people the option to pay by mailThis loan has NEVER been late because it was on auto pay for years and I chose to remove it last OctoberAs I stated prior, I requested booklets for payment back in early October but I did not receive booklets until days prior to due date and I mailed off the day I received themThat was the first call..the very next day after due dateThis loan has always been paid on time and it is really sad that PNC Bank is harassing people because the PO is a little slow one month? I believe that my check was sitting on someones desk or because of snow storms in the area, the mail was slow in JanuaryMy payment did not post for days after mailingIt normally posts within daysI could imagine how they treat customers who are actually not paying for their loanThey don't access a late fee until days after due date and for the record, I have NEVER been accessed a late fee and always mail in enough time for it to get there by the due dateIn addition, their response to my complaint was that they would cease and desist phone calls but 'you are not relieved of your obligation to pay this debt' I did not asked to be relieved of my debt! It was not even necessary for the dig by PNCI just asked not to harass paying customers because my check is not on the billing departments desk on the due date because of post office delaysThey should give grace time for delivery as most creditors doThis has only happened to me twice (once being PNC Banks fault and the other the PO) since I started paying this loan by mailIn addition, the claims manager totally and completely ignored the rude and inappropriate comments the *** Consumer Representative said to me and the phone call date. I will NEVER ever deal with PNC Bank again and based on their F rating and bad reviews on Web and Revdex.com, many others wont either.
*** ***

March 26, 2015Dear Ms***I spoke with the customer today and advised him that the late fee was systemically waived. If you have any additional questions, please feel free to contact me directly.Sincerely,*** ***Executive Client Relations OfficerEnterprise Escalation GroupPNC Bank

PNC Bank is a financial mafia in Pittsburgh PA which operates without compliance regarding federal and state financial laws and other regulations set up to protect consumers. PNC Bank is not being held accountable by federal and state oversight organizations, including the Federal Reserve Bank and PA Attorney General because PNC pays off and supplies kick backs to all organizations/individuals who should be governing them but instead turn their head$. Stay away from this broken bureaucracy and advise your friends and relatives that PNC bank will what ever, where ever, and when ever they want with your money and personal information without any resistance from law enforcement and/or government.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** *** ***

On Fri, Feb 6, at 4:PM, wrote:Good afternoon Ms***, I apologize, I just went in to update the status of the complaint and I see it was closed a short time ago I again reached out to the customer to advise that the requirements for the promotional offer were not met I asked the customer to provide a copy of what she received, because I wanted to be sure that we were discussing the same offer The direct deposit requirement of $was not met within the day time frame, as listed on the promotional information (attached) Please feel free to contact me with additional questions Thank you. *** *** Executive Client Relations###-###-####***

Dear Ms***PNC was able to reach Mr*** to resolve this issue with him. If you have additional questions or concerns, I can be reached at ###-###-####.Thank you,*** ***

PNC has worked directly with Ms*** in regards to the Revdex.com complaint number ***Ms***'s information has been provided to the appropriate departments for assistance in making her payment and additional information has been sent to her at the address on record regarding the $7,
transactionMs*** has my direct phone number if she needs further assistance.*** ***Executive Client RelationsPNC Bank

PNC Bank received the complaint for Ms. *** on November 21, We have evaluated the information and spoke to client to address her concerns. I am able to confirm Ms*** withdrew the balance on her Smart Access card ending *** on November 24, 2014. Should
you have any further questions, please feel free to contact me at ###-###-####.Sincerely, *** ***Executive Client RelationsPNC Bank

On Mon, Feb 2, at 8:PM, ***> wrote:Ms*** ***, Revdex.com Case *** filed by *** ** ***PNC has contacted the customer and the issue has been resolved to his satisfactionThank you! *** *** Assistant Vice
President Executive Client Relations

February 27, 2015Good afternoon,we do not have written authorization from Ms*** to respond to your office with specific details however, I have spoken to and resolved the concern, and ask that you close your caseShould you have any questions, please feel free to contact me directly
at ###-###-####Thanks,*** ***

There is no signed authorization to release informationPNC will respond directly to the customer***