PNC Financial Services Group, Inc.

Review: I had a dispute with a comapny that I was receiving services with. I paid the company the remaning two months I had left after I had already had two previosu months deducted from my acct for services I wasn't using. This company still decided to submit several request which were paid by my bank two for 69.99 and one for 168.00 I disputed all of them and the only one that I keep having problems with is the 168.00. I went into the branch here in [redacted] filed out a form thatthey said they didn't receive that I had previosuly sent in and brought the receipt of payment with me and was told they would send it to them. Two weeks after that the money was once again deducted from my acct stating they didn't receive from them eith. This process took a couple of weeks and then I was told that they had everything and that my money would be credit back to my acct. Then I check my acct today 8/29 and once again they have taken the 168.00 out again and at this point I'm beyond fed up this is becoming a real inconvience to meDesired Settlement: I would like my 168.00 put back into my acct and this case be closed once and for all

Business

Response:

This letter is written in response to the complaint filed by Ms. [redacted] with the Revdex.com.

As no signed authorization to release information was provided, PNC Bank has responded directly to Ms. [redacted].

If you have any additional questions or concerns, please call me directly at ###-###-####. My extension is [redacted], and I am available Monday through Friday from 8:30 AM to 5:00 PM, Eastern Standard Time.

Sincerely,

Assistant Vice President

Executive Client Relations

Review: Bill pay system If you schedule a payment for a particular due date PNC Bill Pay system will send out a check if the merchant doesn't accept money electronically from PNC. Now when they send out this check they mail it several days in advance of the date you specify so if that merchant redeems that check before the date you specify in the bill pay system you could incur over draft fees if you do not have money in your account.Example:My pay deposit is on 24th -- I set up a bunch of my bills to be paid through the bill pay system on the 24th. I do not know which go electronically vs those that require actual check so I assume nothing will hit my account until I get paid (as I have set these up) before 24th BUT manual checks come in on the 23rd and PNC charges me over draft fees even though I specifically set these up for the date of my deposit on the 24th.PNC has refused to waive the over draft fees for the bill payer system checks that come in before the date I scheduled -Desired Settlement: Refund the overdraft charges for the bill payer checks that came in before the date scheduled = $72.00Further - I think their procedures and disclosures on the bill payer system need to be more consumer friendly and the bank should not accept the deposit of these checks until the date listed on the check - in my case the date of the check was the 24th which is the date I requested but the vendor was able to deposit this check before that date and the bank honored it!!

Business

Response:

To Whom It May Concern:

This letter is written in response to your correspondence regarding Ms. [redacted]. PNC is working directly with Ms. [redacted] to provide resolution to the concerns expressed in Revdex.com Case # [redacted]. The Revdex.com did not provide a signed authorization form with the Revdex.com Complaint.

Sincerely,

Executive Client Relations

PNC Bank

Review: PNC Bank charged me two overdraft fees of $36.00 each, one on 06/03/2015 and one on 08/18/2015 despite me having overdraft coverage turned off. I have contacted PNC Bank regarding both fees, and both fees were refused a refund without reason. I opted out of overdraft coverage, so any charges should be have declined rather than being overdrafted.

A CSR explained that I can load money in the Reserve or Growth accounts to prevent the fees in the future, which I will gladly do if PNC refunds the fees. However, if the fees aren't refunded as a courtesy, I will unfortunately need to take my business and personal accounts elsewhere to a bank that isn't deceptive regarding its "features" such as overdraft coverage being denied. I find it highly unacceptable that features such as overdraft coverage being denied are being falsely represented. I also find these two experiences with PNC customer support to be unacceptable, and I'm honestly not sure how a Supervisor could tell a customer of many years (since before I was even of age) NO to a simple refund, when the Supervisor knows that the customer will take his accounts away and contact Revdex.com for the unacceptable practices.Desired Settlement: The only acceptable outcome would be a refund to my account ending in xx** (VW Spend) totaling $72.00 (the amount of the $36.00 fee on 06/03/2015 and the amount of the $36.00 fee on 08/18/2015).

Business

Response:

PNC Bank, N.A. responded to [redacted] on August 26, 2015, and considers this matter addressed

Review: I recently opened a claim because PNC was debiting my account at will well they are now doing it agaim to collect on an account that is not mine and was my wifes. The account was over drafted and I was told it would charge off in 30 days since we are seperated I dont want her debt. The following debits were done by PNC at will:We seperated January 14, 2014.the following debits were taken:February 6 $57.69February 20 $65.36 also over drafted my account so $36 NSFMarch 5 $23.53March 6 $5.63March 7 $15.52March 27 $29.83 also over drafted my account so $36 NSFMarch 31 $13.58April 4 $29.04 also over drafted $36 NSFDesired Settlement: I am sure it is illegal for the bank to process check payments to themselves and then tack on $36 when it was their unannounced deductions that caused issue

Business

Response:

PNC Bank, National Association, is resolving this issue directly with our customer. We are in the final phases of providing a refund and written response to the customer.

Please feel free to contact me if you have any questions.

Sincerely,

[redacted]Executive Client Relations Officer

Enterprise Escalation Group

Review: I opened an account after two face to face conversations with a representative regarding buying foreign currency. As a member, I would have been able to buy the currency at a low rate as indicated in the two previous conversations. After opening the account, I made the appointment to buy. When depositing, I was the (approximate) rate as other times (about 1.52). There was much confusion between two representatives while I was making this transaction as to what the rate would be. However, I was once again told a low rate. The next day, I get a call stating it was the higher rate the other person at PNC stated. I was told the money had not been processed yet. That evening, I went to close the account. I received my money back along with being assessed a $25 closing fee as the account had not been open for 60 days. This occurred on 10/ 23/2014. On 10/24 and 10/25, I received four alerts/emails stating my account was overdrawn and my balance had fallen below $100. I called an 800 number on the morning of 10/25/2014 after getting an email at 9am, and the person on the phone stated that the account had not been closed and the money was taken out but put back in. Therefore, the account would 'officially' be closed until Monday, October 27. I would not have opened this account had the information and process been more clear and the disagreements between people there so evident. From the time I 'closed' the account until 10/27, the account remained opened despite my signing papers to close on 10/23 and receiving my deposit back.Desired Settlement: Refund my $25 fee for closing the account.

Business

Response:

PNC IS WORKING DIRECTLY WITH THE CUSTOMER TO RESOLVE THIS CONCERN.

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. I agree with the offer to refund my $25.00.

Regards,

Review: This company took my paycheck to cover activity on my account when it was supposedly under investigation and closed for all activity.Desired Settlement: I would like my employer to receive the money that was redeposited back or the money to be given to me because my employer is taking the money from my next pay.

Business

Response:

Ms. [redacted]:

Please allow me to respond to the complaint received from the Revdex.com (“Revdex.com”) on June 19, 2013 regarding activity on your PNC Bank, National Association (“PNC”) checking account ending [redacted]. Thank you for speaking with me on June 25, 2013 to discuss your concerns. I am sorry I have been unable to reach you to follow up on your additional concerns regarding disputed transactions.

PNC recognizes its responsibilities to comply with all of the requirements of Regulation E, which governs consumer electronic fund transfers. As such, upon receipt of a notice of error from a consumer, PNC conducts a thorough investigation in accordance with section 1005.11 of the regulation.

Our review of Automated Clearing House (“ACH”) transactions that posted to your account indicates that on June 7, 2013 your payroll from [redacted], in the amount of $985.24, was credited to your account. The ACH credit was subsequently reversed on June 7, 2013, in accordance with additional ACH instructions received from [redacted]. However, the credit reversal resulted in overdrawing the account.

According to National Automated Clearing House Association (“NACHA”) rules, which govern these transactions, the receiving institution is responsible for posting transactions to the designated accounts on the effective dates in accordance with the ACH instructions. However, the receiving bank is not obligated to return funds to the originating bank if returning funds would result in a loss to the bank. As such, on June 10, 2013, PNC reversed the debit transaction and re-credited the funds in the amount of $985.24 to the account.

During our conversation on June 25, 2013, you advised that several unauthorized debit transactions posted to the account. At that time, you were not prepared to file claims disputing transactions and arrangements were made to discuss the matter on June 26, 2013. However, we were unable to reach you to follow up on your concerns regarding unauthorized transactions.

PNC records reflect you contacted us on June 5, 2013 to report that your debit card ending [redacted] was lost. The debit card ending [redacted] was closed and a new debit card ending [redacted] was issued to you on June 5, 2013.

On June 18, 2013, we received a dispute from you alleging an error related to a debit card transaction from [redacted] in the amount of $102.23 that posted to the account on June 17, 2013. You claim the correct amount of the debit transaction was $65.00. Upon receipt of the dispute, PNC began the investigation of the transaction. On June 18, 2013, provisional credit in the amount of $37.23 was issued to the account pending the outcome of the investigation.

On July 15, 2013, we received a dispute from you alleging an error related to a debit card transaction from [redacted] in the amount of $121.09 that posted to the account on May 29, 2013. You claim you paid cash for the service received. Upon receipt of the dispute, PNC began the investigation of the transaction. On July 15, 2013, provisional credit in the amount of $121.09 was issued to the account pending the outcome of the investigation.

On July 15, 2013, we received a dispute from you alleging an error related to a debit card transaction from [redacted] in the amount of $194.01 that posted to the account on June 17, 2013. You claim merchandise was not received. Upon receipt of the dispute, PNC began the investigation of the transaction. On July 22, 2013, a credit in the amount of $194.01 posted to the account.

On August 12, 2013, we received a dispute from you alleging an error related to a debit card transaction from [redacted] in the amount of $137.80 that posted to the account on June 21, 2013. Upon receipt of the dispute, PNC began the investigation of the transaction. On August 15, 2013, provisional credit in the amount of $137.80 was issued to the account pending the outcome of the investigation.

The results of the investigations will be communicated to you in accordance with the timeframes required in section 1005.aa of Regulation E.

PNC acknowledges your desire to close the account. Upon the conclusion of the above referenced investigations, you may visit a PNC branch or contact PNC’s Customer Care Center to make further inquiries regarding closing the account. You may contact us at ###-###-#### (888-PNC-BANK), 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).

Sincerely,

Assistant Vice President Executive Client Relations

Review: PNC is processing out payments slowly to induce late charges

Since having to file for bankruptcy in December 2014, we have had to mail in an actual physical check by us mail for our monthly payments. We have consistently never been late in the past and more often than not early on our payments. Since having to mail in the payments, PNC is either processing the payment slowly to induce late charges and/or the U.S. Postal service is not delivering the payments in a timely manner. We have written the checks and mailed them on or berfore the 1st of each month. I emailed PNC and of course they were unwilling to do anything even though they only enforce a late payment when they want to. The May payment supposedly was not received until May 18th, PNC stated that if the payment is not received by the 15th of each month it is late and a late fee applied. I informed PNC that we have been sending the payment on the 1st of each month if not before and they checks are clearly dated on the 1st of each month. I have no control over the USPS system nor how soon they process the checks and there should not be a late fee at all.

They refused to do anything. I'm pretty sure there was one time in the last 10 years before all this that the payment was applied by PNC after the 15th and no late fee was assessed. I have no doubt that PNC is trying to take advantage of the fact that we had to file for bankruptcy and using that to their advantage to attempt to collect more money.Desired Settlement: Removal of false inaccurate late fees. We no longer have to mail in payments and will be sending them electronically through our online banks bill pay system so they should be there by the 1st if not the 3rd depending on the bank

Business

Response:

PNC Bank, N.A. responded to [redacted] on August 26, 2015, and considers this matter addressed. Thank you

Consumer

Response:

Review: I have recently refinanced my home mortgage loan with PNC Mortgage. My old loan was with PNC Mortgage, and my new loan is also with PNC Mortgage. I am satisfied with the new loan, and committed to fulfilling the terms of the loan, but I do have complaints about the policies and practices of PNC Mortgage. Specifically, I am complaining that PNC Mortgage: (1) has the policy of collecting interest for the old loan for 5 days following the scheduled funding date for the new loan and the beginning of interest on the new loan; (2) has the policy of waiting until the next business day after funding the new loan before paying off the old loan; and (3) does not inform clients of these policies prior to closing.

Item 1. There is no justification for PNC to collect 5 days of interest on the old PNC loan after the scheduled funding date for the new PNC loan. PNC controls the closing date, the funding date and the payoff date. Apparently, it is also PNC policy to refund interest paid beyond the payoff, but there is no justification for PNC to take up to 5 days to pay itself off. Clearly there is a conflict of interest inasmuch as delaying payoff enables PNC to collect interest on two loans for the same principal at the same time. Furthermore, I believe that imbedding this interest in the payoff amount most likely obscures this policy from many clients.

Item 2. There is no justification for PNC to wait until the next business day after the new loan funds to pay off the old loan. In this electronic age there is no justification for one mortgage company to wait a day to pay off another mortgage company; funds can be transferred instantly. When a mortgage company takes a business day to pay itself off, this appears to be a simple strategy to collect interest on two loans for the same principal for 1 or more days. In my case, I paid interest on the old loan and the new loan for 3 days because my new loan funded on a Friday. I have received a refund check for 2 days of interest on the old loan; at payoff I paid 5 days of interest on the old loan subsequent to and including the funding date of the new loan. I have not cashed this check because I fear this would constitute acceptance of the PNC policies about which I am complaining. In point of fact, I do not know if I would have received any refund had I not raised these issues with PNC following closing; PNC generally would seem not to have any motivation to pay off the old loan sooner rather than later, and I was not informed of the next-business-day policy until after I had made inquiries following closing.

Item 3. Even if the policies noted above are found to be legal, and merely constitute an opportunity to obtain additional funds from clients that is allowed under the law, I must argue that by hiding these policies from me prior to closing PNC prevented me from advocating a closing date that would be most advantageous to me. The closing date that PNC chose for me was Monday, April 13. Had I known of these policies, and not been able to change the practice, I would have requested Friday, April 10; this would have saved me over $79. If PNC had replied that closing could not be scheduled that soon (1 business day earlier), I would have requested Tuesday, April 14 (1 business day later); this would have saved me nearly $20.

In brief summary, PNC has policies that allow the company to collect interest on two loans for the same principal at the same time, and these policies are not disclosed to clients prior to closing. I believe that an additional $73.17 should be refunded to me (3 days of interest on the old loan after I had already been paying interest on the new loan), and PNC should correct the policies I have noted that adversely affect its clients. Should PNC be allowed to continue such policies, then PNC should be required to inform clients of these policies well in advance of the scheduled closing date. If PNC disputes any of the information I have provided, I can provide documentation from emails between PNC and me, and paperwork received at closing.Desired Settlement: In brief summary, PNC has policies that allow the company to collect interest on two loans for the same principal at the same time, and these policies are not disclosed to clients prior to closing. I believe that an additional $73.17 should be refunded to me (3 days of interest on the old loan after I had already been paying interest on the new loan), and PNC should correct the policies I have noted that adversely affect its clients. Should PNC be allowed to continue such policies, then PNC should be required to inform clients of these policies well in advance of the scheduled closing date. If PNC disputes any of the information I have provided, I can provide documentation from emails between PNC and me, and paperwork received at closing.

Business

Response:

PNC Bank, N.A. responded to [redacted] on July 7, 2015 and considers this matter addressed

Review: Our family opened up an account with PNC Bank with overdraft protection. We have repeatedly asked that overdraft protected be discontinued since October of 2013 due to PNC's repeated abuse of our account with the overdraft feature. PNC has run up excessive charges on our account by purposely putting checks and debits in ahead of deposits in order to ensure they get the $36 overdraft fees, and they have consistently left our account in a negative balance and in a hole we can't dig out of. From October 2013 to present date, just over two short months, PNC has taken $1,000 in overdraft fees out of our bank account. We have repeatedly requested all overdraft protected be removed from our account. The first time the request was ignored. The second time we were told it didn't apply to [redacted] check card purchases, the third time we were told it had been taken care of, but another overdraft charge showed up on our account on December 27th, in another case of where checks and debits were put through the account purposely before a deposit of a paycheck that would have covered the charges.Desired Settlement: We would like all overdraft charges PNC has taken from us returned to our account and all overdraft protection removed permanently.

Business

Response:

Since there is no signed authorization to release information, we have responded directly to Ms. [redacted] as of December 30, 2013.

Consumer

Response:

Release is attached, please provide response to Revdex.com.

Business

Response:

After review of the customer's account, PNC Bank refunded 482.00 in overdraft fees for the period of October 18, 2013, through November 26, 2013. The cusotmer was notified by telephone on January 2, 2014 and was accepting of this resolution

Review: We own a business, and have had a two business loans with PNC for five years now. Because the company has decided to not service loans that are not near a branch, we have ZERO customer service. We don't even have anyone over our loan any more. PNC says they want to service the loan, but responsibility keeps getting bounced around from department to department. We've spent one week trying to get someone on the phone responsible for one of our loans that expires. When we signed the buy/sell on the business, we were told that our working line of credit would be for two five year periods, and that the line of credit would automatically roll over into a second period, by our loan officer at the time, [redacted] (he is now in a different department at PNC altogether, and has nothing to do with loans any more). PNC is now stating that this is not the case, and that I need to re-apply. That's fine, but they can't tell us who the new loan officer is to re-apply through!We think this is pretty poor customer service, as we've paid PNC roughly $300,000 in the last five years, and have another 300k outstanding.Desired Settlement: We'd like to know who is over our active account, and talk to someone who will handle the application on the one loan that needs to be rolled over. Right now, they all just keep passing the baton.The loan obligation numbers are[redacted]and[redacted]

Business

Response:

Dear Ms. Anglin,

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 Number [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: This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example: cash out amount of $20+4.5+3=$27.50 (fee $7.5) if you just look balance before withdrawals will charge additional fee$3, so total will be charge $10.50 for just one cash withdrawals, plus Service Charge monthly fee $10 and account maintenance charge $12, all these costs they are not given detail information when you open new account, I have been cheated feeling. Extremely disappointed with PNCDesired Settlement: I ask refund any all additional charge fee, and no longer charge an additional fee, PNC Bank have charge monthly service fee $10, why have charge maintenance fee $12? ask for refund

Business

Response:

December 18, 2015PNC Bank, N.A. responded to [redacted] on December 7 and 18, 2015,

and considers this matter addressed.Thank you,ACBPNC Bank

Review: My account was involved with [redacted] which is a cell phone provider. [redacted] billed me one bill of $61.72 which was originally credited back into my account which I filed a dispute. I purchased an item and returned it for a refund. [redacted] notified me that refund was sent to pnc however pnc declines that. The representative told me that PNC Bank will be sending me out dispute form in which I am to fill out and return. Less than a few after credit was granted on account, it was reversed which caused the account to go in the negative. I have been in contact with several representatives in the retail escalation group. Currently the case is assigned to [redacted] Phone number: ###-###-#### Ex: [redacted]. I last left a message with her on 3/10/14 and there were no return call.[redacted] never responded to Pnc as well. As of this moment I have no access to my PNC Bank Account and wish to resolve this issue and never bank with this financial institution.Desired Settlement: The credited should be credited in final.

Business

Response:

6-12-2014 We are near resolution for this issue. The customer can call [redacted] for details

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. Thanks for your attention in this matter. I am highly satisfied in the result of this matter.

Review: An checking and savings account with PNC Bank was fraudulently opened in my name. As told by a PNC in branch banking representative, these accounts were opened while I was incarcerated. No one was grated permission for me to open such account or anything in this matter. The information that I can provide is that the account was closed this year on January 27, 2014. The amount owed is $527.05 on the account. I have been in contact with PNC both in person and over the phone to resolve this issue. I last spoke to[redacted] (Retail Escalations Group) on February 17, 2014. He can be reached at ###-###-####. While speaking to Mr. [redacted], he indicated PNC Investigation team will conduct a investigation that takes 5-10 Business days. He also indicated once the investigation is completes, I will be contacted for the results. I haven't received any calls from PNC. On Monday March 24, 2014 I telephoned PNC again and was notified by the representative to phone ###-###-#### for a questionnaire dispute. Please note, I haven't received this info from Mr. [redacted] neither was I notified of such. I also filed a identity theft complaint with the ftc.gov. Please refer to Ref: [redacted]. At this point in the process, I am very frustrated and PNC is not taking this matter seriously to resolve this fraudulent issue. I ask that this issue be resolved immediately and disputed.Desired Settlement: Investigation should be completed to verify account was opened in my name fraudulently. I am not the one responsible for this account as I am person of identity theft.

Business

Response:

April 21, 2014

To Whom It May Concern:

PNC Bank, National Association received the compllaint for Mr. [redacted]. We have evaluated the information and spoke with the customer. We will continue to work with Mr. [redacted] until a final resolution is made. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to conact me at ###-###-####.

Thank You,

Review: Pnc back is ridiculous with its overdraft fees. I was overdrafted because of mistake that was not my fault. I called them and asked them to help with the fees and I would pay what I owed. They couldn't help me out. Knowing it was no fault of my own. They called me multiple times on 3 diffrent numbers and harassed my family and I. Mail is sent every other day and I'm irritated. The more fees they add on, the harder it is to pay.Desired Settlement: I want my overdraft fees waved.

Business

Response:

Please find our attached response mailed to our client.

PNC [redacted]. I just close my and my kids accounts. There is no way people spend more time on the phone (text's, play games, tic ) and don't care about the customers !!!
There is few times where the teller give me attitude !!!! They always unhappy , no dress cod at all ( assistant menager , She need some trening about how she should look like at work ) !!!!
They never offers new product . I wish I had never become a customer at this bank and I will tell all my friends about to protect them from this bank .

Review: I reviewed my online account recently 4/17/15 and noticed a $7.00 service fee on my account and thought I had done something in error. Then reviewed several months of transactions and these $7.00 fees date back 10 mos. When opening the account in 2010 originally named [redacted] bank I had enrolled in free checking. During a merger where PNC bought out [redacted] had the same checking account type in March 2012.Never had an issue with PNC until just today when I this $7/mo fee assessed dating back to June 2014.Called customer service requesting a refund for the 10 mos of fees accrued and they advised they could only go back 90 days for the refund. So I only received 2 of the 10 accrued. Spoke with [redacted] and said their "policy" can only go back that far. Demanded an exception be made as no notification was forwarded in my direction. Demanded this be rectified and they advised they could not do this and that the fees would stay. Advised this is why I opened an account in the first place due to the free checking. Kept urging me she understood but there was nothing she could do. I AM NOT INTERESTED IN SOMEONE UNDERSTANDING MY FRUSTRATION, I AM INTERESTED IN SOMEONE FIXING THE MISCOMMUNICATION. Advised [redacted] to rectify the situation as she is a supervisor but continuously advised she could not. Said ok and closed my account, will not be doing business with this bank. This is not the first time that banks come up with "magical" fees. [redacted] also did this and told me after the fact, when I closed that account they could have refunded my service fees. I say BITE ME banking industries. If you want to keep business and profit, simply charge the interest and late fees. Maintenance fees are nothing more than way to cover your losses.Desired Settlement: I simply want my 8 maintenance fees refund at $7 for a total of 56 dollars. THAT.S IT. Could not believe that losing a client is worth 56 dollars when millions are made, but I guess it is.

Business

Response:

[redacted] 4-21-15 Spoke with customer by phone on 4-21-15 PNC 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 have been trying to close my accounts with PNC Bank since May of 2014. I received a letter from the bank that I overdrew my business account, which I DID NOT, then received a collection letter. I just wanted to be over with this nightmare I did pay the collection company, but the bank still refused to close my accounts. Months later (June 2015) got another collection letter from a different company asking for more money.This really has to stop! I can't pay a collection company every few months, and I also refuse to do so.This is a scam, rip off they are doing.As a small business owner I am being ripped off by a big Bank.Desired Settlement: DesiredSettlementID: Other (requires explanation)

would like all accounts to be closed immediately and do not want to receive one more collection letter

Business

Response:

PNC Bank, N.A. responded to [redacted] on July 29, 2015 and considers this matter addressed.

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.I spoke with Ms. Baker and after a month she gave me a response, that the collection charges ($511.58) are from the merchant services that we used when we opened our savings and checking account with PNC Bank.Apparently there is a contract that we "singed", but we were NEVER told about such, when the representative from the bank came over he said there is NO contract, because we have the checking and savings account with PNC Bank.That so called "contract" was signed on an [redacted] and we NEVER received a copy of it, we have trusted that Bank employee, but were mislead!We have been trying to close the accounts since May of 2014, but it takes forever to get response from PNC employees.

Regards,

Review: I am filing a complaint on PNC Mortgage (PNC), [redacted]. I have requested on many occasions INFORMATION and a refund of...

...$3689 for Private Mortgage Insurance (PMI). Per the Home Owners Protection Act of 1998 (HOPA), I am entitled a refund of ''unearned insurance premiums''. I believe PNC is acting with malice, for if they cooperated with me in my request to obtain information I would act immediately to obtain a 78% loan-to-value (LTV) ratio, which would cause PNC to lose forecasted interest payments and PMI.

PNC has been completely uncooperative, and is breaking the law. They have denied me on every occasion information on how to reappraise my home, and to give me the dollar amount needed to pay down my balance to obtain a 78% LTV ratio.

In the event that PNC supplies me information, I will act immediately to obtain a 78% LTV. After that, I am demanding their full cooperation in Canceling PMI with [redacted] and promptly paying out my refund of $3689 plus $408 interest.

You will find in the following pages the painstaking effort I have gone through to try and obtain information and my refund, as well as parties involved, a timeline of events, and supporting documentation.

PNC's deliberate inaction is a byproduct of having no interest of financial gain in this matter. I need an advocate to help me deal with this matter. Please consider my case. I will be eagerly awaiting a response.Desired Settlement: Further Thoughts

I am willing and financially able to reach 78% LTV on the principle balance of my mortgage in the event that PNC cooperates with my request for information. Home values have increased dramatically in my neighborhood. Given a reappraisal I estimate I will come very close to reaching 78% LTV. However, I have financial reserves available to pay any shortfall.

I spent significant time prior to closing doing a cost benefit analysis of choosing a ONE TIME PREMIUM product vs. pay

Business

Response:

PNC Bank, N.A. responded to [redacted] on July 17, 2015, and considers this matter addressed

Review: I first conversed with a PNC customer rep on 11/20/2014, when I discovered fraudulent charges on my account.I talked with the first rep on 11/20/2014 for about 45 mins.He filed claims for 2 fraudulent checks that had been deposited on my account and money in the amount of $435 that was withdrawn.I was told I had to wait 10 days before my claim was processed and my money refunded.On 12/4/2014,10 business days after I was told I would get my money back,found out not only had the bank closed all 3 of my accounts,they denied my claims,saying there were other transactions that were done after the one claimed,apparently the claims were not all filed correctly.I than spoke to corporate manager [redacted],who said she would take special attention to my case.She then refiled the claims that were missing(Only the deposits had been claimed not the withdrawals, which doesn't make any sense from the get-go[redacted] stated she would call me back the next day, which never happened.Matter a fact,I called and left her messages for a couple days,and still never heard anything from her, until the next 10 business days were up,when she left me a vm saying the claims were denied again!I was then advised from the vm as well as another corporate manager named [redacted] to go into the branch,so as to specify which claims were fraudulent because yet again, they had not been fled correctly!By now,I was so frustrated but still went into the bank on 12/12/2014 to file claims a 3rd time.I worked with the rep, figuring this time would be the last time,and we correctly filed all claims.I even spoke with the rep from the branch on 12/19/2014,just to make sure everything was going smoothly,she confirmed it was.12/26/2014 was 10 business days and I called corporate only to find out the correctly filed claims had been denied again!Not only could the manager not tell me why, she hung up the phone.I was furious!The only thing the bank is offering me is condolences,they wont open my account back up and they wont refund my $.Desired Settlement: I want to not be blamed for the fraud, as the bank keeps saying I need to take responsibility for what happened, and I now have debt collecters calling saying I owe PNC money!! I also would like to be refunded MY $435 plus a direct deposit of $95 that I never received because of the overdraft charges that occurred because of the fraud. The above mentioned funds are MY MONEY and I want it back ASAP, Ive waited long enough already!!

Business

Response:

I spoke with Ms. [redacted] on January 22, 2015 and advised her the reason the Accounts were closed was due to the history of returned deposit items; specifically, there were two returns from a closed account at another bank. During this conversation, Ms. [redacted] also expressed concern about the resolution of her disputes, stating she had received differing responses. I advised Ms. [redacted] the disputes had been denied because Ms. [redacted] stated her PIN was written down and anyone could have gotten it. Ms. [redacted] denied making that statement, so I reviewed her disputes and confirmed our records indicated she had informed our representative at the [redacted] branch on December 12, 2014, that she had lost her debit card and her PIN number was written down and anyone could have gotten it. Additionally, there were undisputed items that occurred after the date Ms. [redacted] indicated her card was lost. Ms. [redacted] asked if PNC was going to credit her for any of the disputed items, because if not, there was no reason to continue the call. I confirmed that since the disputes were denied, we will not be crediting Ms. [redacted] any funds. At that point, Ms. [redacted] disconnected the call.

Consumer

Response:

As discussed via phone, I will be faxing over a police report of stolen card. I would also like it to be noted that PNC did not advise me to get a police report, even when I vividly asked on multiple occasions via phone with their representatives(they stated I did not have to get one and it didn’t matter whether I filed one or not)… I advised Ms. [redacted] the disputes had been denied because Ms. [redacted] stated her PIN was written down and anyone could have gotten it. Ms. [redacted] denied making that statement, so I reviewed her disputes and confirmed our records indicated she had informed our representative at the [redacted] branch on December 12, 2014, that she had lost her debit card and her PIN number was written down and anyone could have gotten it. PNC has tried to use my statement against me about my pin #. Yes, I stated I had it written down. However, I also stated it was written down for PERSONAL USE, in my home. They seem to be leaving that fact out and using my statement against me for their own gain... So claiming anyone could have gotten hold of my pin and that I just left it out in the open to be seen is highly incorrect and offensive. I would like to point out it was still NOT addressed through phone call from PNC on 1/22/15, about debt collecters calling me! And why I should owe them if they won’t even give me my $ back! This debt was quickly entered onto my credit report, before it was even solved and I cannot even go to another bank to open an account. That is completely unfair to me... Accounts were also closed before I even received notice in mail from PNC. I spoke with Ms. [redacted] on January 22, 2015 and advised her the reason the Accounts were closed was due to the history of returned deposit items; specifically, there were two returns from a closed account at another bank. The above statement I completely refute, because this is the entire reason I claimed fraud. I viewed the images and those were not my checks nor my handwriting... I made sure that was very clear my first fraud claim call and to everyone I spoke with thereafter. Also, I would like video footage to be requested from location fraud was done at. It is clearly seen I was nowhere near the scene, as I was at work during specific time fraud withdrawals/deposits were committed. Additionally, there were undisputed items that occurred after the date Ms. [redacted] indicated her card was lost. Please note, the above statement. Everytime I have spoken with PNC corporate over the phone, this is the reason I was given for my disputes being denied, NOT THE PIN # STATEMENT, THAT THE BANK IS NOW TRYING TO USE AGAINST ME! I will be sending over all correspondence received through mail from PNC Bank. All are dated and I will explain in detail. I will also be sending over all transactions that were done that were fraudulent, as I specifically sat down with banker on 12/12/14, and we both assured that all transactions were correctly processed, as banker filed all claims herself… So after 12/12/14, there should not have been ANY undisputed items that occurred after date I indicated my card was lost. Kind Regards, [redacted] ###-###-####

Review: On December 19th 2014, I made an attempt to utilize online banking to deposit a 70.00 check and received an error message stating that the check was not deposited because the mobile application was down. I made a second attempt about 2 hours later that same day and it did go through. When I checked, my pending deposits, it showed that $70 twice. I immediately contacted PNC and was assured that money would not come out of the [redacted] account that it came from and the only account that would be compromised would be mine. The same representative asked that I call on 12/20 to file a dispute to have that additional $70 dropped from my account. I did as I was told. I received a call from [redacted] account holder, who informed me that $70 was taken out of his account twice immediately on the 19th; something that was promised to not happen and noted in my PNC profile. On the 20th, I had this matter escalated to the retail escalation department and the person handling the account is [redacted]. She listened to my concerns and even made a recommendation to take care of any fees associated with the double withdrawal based on PNC error. Which leads to me today, 1/7/15, if you look into my account you will see that PNC has been playing with this 70.00. They have taken it out, put it back in, and finally have taken it out. However, there is no record as to when/where this money is and why it's not back in the [redacted] account. As I shared with ** our initial conversation, 140.00 was taken out of the [redacted] account and 70 must be returned because of the error. So PNC has taken out the 70 but where is it now? I received a certified letter from PNC dated 12/30 stating the matter was resolved and the money was taken out of my account which is correct, however where is it and why is no one telling me when and where these funds are for the [redacted] account holder. He has contacted [redacted] and they have no record of any funds going into the account either. I am frustrated and embarrassed and need answers.Desired Settlement: I NEED THE 70.00 TO BE IN THE [redacted] ACCOUNT IMMEDIATELY. THIS MONEY HAS BEEN OUT OF THEIR ACCOUNT SINCE 12/19 AND IT IS NOW 1/7. THE ESCALATIONS DEPARTMENT HAS DONE VERY LITTLE TO FIGURE OUT WHAT IS GOING ON AND I AM DOING MORE WORK THAN I SHOULD TO HAVE THIS RESOLVED. I HAVE BEEN LIED TO BY PNC SINCE 12/19 WHEN THEY ASSURED ME THAT THIS MONEY WOULD NOT BE DEBITED FROM THE OTHER PERSONS ACCOUNT.

Business

Response:

To Whom It May Concern,PNC Bank received the complaint for Ms. [redacted]. 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 ###-###-####.