PNC Financial Services Group, Inc.

Review: On 11/9/15 I was alerted to the possibility that my account would be overdrawn. I made arrangements to transfer money from one PNC account to another which I was always under the impression happened instantly. I did the transfer through mobile banking and received confirmation that the account was no longer overdrawn. When I checked my account the next day (11/10/15), I saw that I was hit with 3 overdraft fees and the transfer that I did was "pending" even though last night is showed as completed and posted to my account. When I called the bank to get it fixed they refused to refund the fees saying that the transfer occurred on 11/10/15 instead on 11/9/15 when it was submitted.Desired Settlement: I want the overdraft fees to be refunded into my account.

Business

Response:

PNC Bank, N.A. responded to [redacted] on November 13, 2015, and considers this matter addressed. Thank you, Meghan J[redacted]

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 close my account with PNC but forgot to change my direct deposit.Went into the bank and ask them to reopen the account to my money the acc The account was never closed. [redacted]. I have contacted different people at the bank and offers to pay the portion from a bill that went through but the want me to pay the $300 in over drafted fees.Desired Settlement: Money that have been deposit into that account. That equal the over Draft fee.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on September 24, 2014. We have evaluated the information and spoke to client to address her concerns. We do not have written authorization from Ms. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: PNC double billed me and when I requested one payment back they sent me both payments and then reported me as 30 day delinquent to the credit reporting agencies thus preventing me from obtaining a new loan.Desired Settlement: Correct my delinquent status with the credit reporting agencies immediately.

Business

Response:

There is no signed authorization to release information. PNC has resolved customer's concern and advised him directly. [redacted] 091514

Consumer

Response:

I received a voice message of no wrong doing but no explanation has to the no wrong doing. Phone calls to[redacted] have not been returned. My credit rating is still damaged.

Business

Response:

There is no signed authorization to releae information. PNC has responded in writing to the customer as of September 15, 2014 with the resolution to his concern. [redacted] 100114

Review: There is an account on my credit report that does not belong to me. It belongs to my mother, [redacted]. I do not have record of being a co-signer on this account. I have disputed this account several times with the credit bureaus and it still remains. The account number is [redacted] and current status that is being reported is Repossession as of Jul 2011; 90 days past due as of Jun 2011; 60 days past due as of Dec 2010 to May 2011; 30 days past due as of Nov 2010.Desired Settlement: Please delete this account on my credit report and provide me with a letter stating it will be removed.

Business

Response:

We have attempted to reach out to Ms. [redacted] by phone and e-mail. In order to address her concerns, PNC Bank needs additional information from her. I have attached the letter that we have sent to the customer as a response and provided my direct contact information to follow-up. Please feel free to contact me at ###-###-#### for additional questions or concerns.

Thank you,

Review: My account had been overdrawn by 56$ and I made a deposit into a cash ready ATM at 10pm at night. It is a new ATM that they had just installed at my [redacted] location and from before with [redacted] if I had an overdraft I would be able to deposit cash in at any time and it was taken care of. Nobody had told me that the cut off time for pnc was 9pm and I was charged a 36$ overdraft fee on top of a 10$ service charge( for what service I asked myself, they have the worst customer service) so I called the following morning and spoke to a representative who said the overdraft fee would be able to be refunded after it posts (it was pending at the time.) due to the lack of service an notification. I then had called back the following morning and spoke to a representative who tried telling me I had made the deposit on the 24th not the 23rd which was a lie because I have the deposit receipt that I had made it on the 23rd at night. I asked for the supervisor because she did not know what she was doing obviously and whenever I said to transfer me the employee kept talking over me and thus I responded to say your customer service is horrible and then the employee hung up on me.... Called back again had a nicer person get a [redacted] on the phone and explaining the situation to him he just says we can't you have had an overdraft fee waived before you should have read your pnc handbook that you received when you opened the account(which nobody had ever given me) and I said well its not my fault your company does not notify users at new ATMs of new cut off times and he responded "well if I was a cardholder id be smart about it and find out" so I said well (then whenever I speak he talks over me, halfway through my first word wouldn't even let me talk) tried to say again that nothing was explained to me then be goes on to say its not pncs responsibility to notify the customers of changes it's for them to find out and I asked for his boss because he was being rude and kept saying he's the highest level at pnc.Desired Settlement: $46

Business

Response:

We have responded to the customer and closed the case. No signed privacy release. Please close case.

Assistant Vice President

Executive Client Relations

PNC Bank

600 Grant Street

Pittsburgh, Pa 15219

Review: My joint account with my boyfriend had fraudulent charges. His bank card was stolen, fake checks were deposited (about $30k worth), and fraudulent charges were made (about $13k worth). We went to the [redacted] Branch on August 28th and reported the fraud. We were told that due to the extensive amouont of charges, the account would most likely be shut down. I have a separate account (only my name) with a different Debit Card. I asked would this account be affected several times throughout the process and I was told no because the card that was stolen was not linked to my personal account that it would not be affected.On Tuesday, September 3th I was sent an email that my account balance to my personal account was $0. This alert is an automated option that I added to my accounts. After I logged onto the website I noticed that my accounts, both checking and savings, had been zeroed out and a hold had been placed on my account without my knowlegde. I contacted the bank on the 4th and was told that because my name was associated with the other account, that it was with their discretion that they closed out my account and held my funds to attempt to recoup some of the funds from the fraudulent charges in the other account. After being on the phone for over 2 hours with, I was told that basically nothing could be done about my funds being refunded or the late fees and interest charges I would incur for the return payments. Also, my upcoming direct deposit due to hit the account that same night would also be held and the funds would not be available.During this call I asked to speak with the "back office" as they were the ones who were responsible for making the decision to place the hold on my accounts and freeze the funds and I was told that they do not speak with customers. I asked why I was not informed of the intention to freeze the account and I was told that they do not communicate with customers in these cases and that I would be contacted by mail (after the fact) if they deemed necessary.Desired Settlement: I would like 100% of the funds from my personal account refunded, the late fee I will incur on my rent payment, the late fee and returned check fee I will incur on my returned credit card payment, and additional sum to be determined for the aggravation and mental stress this ordeal has put me through.I was already a victim of theft and fraud and then to have this situation be handled so poorly by customer service was an outrage.

Business

Response:

Please allow me to respond to your complaint filed on September 5, 2013, with the Revdex.com (Revdex.com), regarding the holds placed on your PNC Bank, National Association Virtual Wallet Performance Checking Account ending [redacted]. I appreciate the opportunity to address your concerns.

According to our records, the fraud claim filed on your Free Checking account ending in [redacted] has been investigated and subsequently denied. Therefore, the funds in your individual accounts will be offset to recover some of the loss incurred on the account ending in [redacted]. The direct deposit in the amount of $1,754.98 received on September 5, 2013, was rejected and returned to the originator.

PNC Bank provided a copy of our Consumer Disclosures and Agreements at the time of your checking account opening. As stated in this Agreement: Money Owed – Any loans, overdrafts, obligations or other indebtedness (except for debts arising out of bank credit cards or IRA or other tax-deferred retirement accounts, unless permitted by applicable law) now or hereafter owing to us by you, either individually or jointly, including husband and wife, may be charged in whole or in part to the Account or to any other individual or joint accounts in your name to the extent permitted by law.

You and any joint depositors grant us a security interest in the balance in the Account and in any other individual or joint accounts in your name, including joint accounts owned by husband and wife, to pay all loans, overdrafts or other obligations or other indebtedness now or hereafter rowing to us by you, either individually or jointly.

We may exercise our right of set off without advance notice to you and without regard to any other right that we may have against you or any other person or entity. We may also freeze or place a hold on your account without setting off in order to investigate any dispute or claim.

Our security interest and right of set off shall prevail and take priority over any claim, change of ownership, pledge, attachment, garnishment, levy, court order or other legal process of any kind whatsoever.

A letter informing Mr. [redacted] of the denial was mailed September 5, 2013, to your address of record. If you should wish to discuss the denial of the claim, please contact our Security Department at ###-###-####. Thank you for allowing PNC Bank to clarify its position.

Sincerely,

Assistant Vice President

Client Relations Manager

Executive Client Relations

PNC Bank

Consumer

Response:

My claim of fraudulent charges the account was 100% valid. We did not possess the card, nor did we deposit the fraudulent checks. If anyone looked at the security tapes at the ATMs or Bank Security Cameras they would see it was not myself of Mr [redacted]. We noticed the charges and immediately contacted the bank. This result is unfair and unjust.

Regards,

Business

Response:

Please allow me to respond to your rebuttal filed on September 9, 2013, with the Revdex.com (Revdex.com), regarding the holds placed on your PNC Bank, National Association Virtual Wallet Performance Checking Account ending [redacted]. I appreciate the opportunity to address your concerns.

According to our records, Ms. [redacted] of our Fraud Investigation Group informed you during a telephone conversation on Thursday September 12, 2013, the fraud claim filed on your Free Checking account ending in [redacted] has been reviewed and subsequently denied for the second time. Therefore, the funds in your individual accounts will be offset to recover some of the loss incurred on the account ending in 0934. The direct deposit in the amount of $1,754.98 received on September 5, 2013, was rejected and returned to the originator.

PNC Bank provided a copy of our Consumer Disclosures and Agreements at the time of your checking account opening. As stated in this Agreement: Money Owed – Any loans, overdrafts, obligations or other indebtedness (except for debts arising out of bank credit cards or IRA or other tax-deferred retirement accounts, unless permitted by applicable law) now or hereafter owing to us by you, either individually or jointly, including husband and wife, may be charged in whole or in part to the Account or to any other individual or joint accounts in your name to the extent permitted by law.

You and any joint depositors grant us a security interest in the balance in the Account and in any other individual or joint accounts in your name, including joint accounts owned by husband and wife, to pay all loans, overdrafts or other obligations or other indebtedness now or hereafter rowing to us by you, either individually or jointly.

We may exercise our right of set off without advance notice to you and without regard to any other right that we may have against you or any other person or entity. We may also freeze or place a hold on your account without setting off in order to investigate any dispute or claim.

Our security interest and right of set off shall prevail and take priority over any claim, change of ownership, pledge, attachment, garnishment, levy, court order or other legal process of any kind whatsoever.

If you should wish to discuss the denial of the claim, please contact our Security Department at ###-###-####. Thank you for allowing PNC Bank to clarify its position.

Sincerely,

Assistant Vice President

Client Relations Manager

Executive Client Relations

PNC Bank

Review: After opening an account I never received a debit card or a pin. I was offered "overdraft protection" and I opted for it but then received a letter saying that I was denied a credit card and that I had opted against overdraft protection. After still not receiving a card or a way to access my money online, I requested a new card and it was never sent. I waited 1 month. I requested to close my account but it was "too soon after a direct deposit." I requested to close it again but there is a $25 fee for closing an account within 90 days.Desired Settlement: There should not be a fee for closing an account when a product is not acceptable.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on August 16, 2013. We have evaluated the information and mailed the response to client. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

[redacted]Executive Client Relations

PNC Bank

Review: In June 2014 I visited the PNC branch near [redacted] downtown to make some change to my virtual wallet checking account. The banker started to advertise PNC credit cards to me. He said "I see you're pre-approved for PNC credit card, do you want to open one?" I was hesitating. And then he said, "look, if you open this credit card, we will reward you $100 after you spend $1000 in the first three months; what's more, after we link your virtual wallet accounts to your new credit card, your growth (saving) account will receive a high annual interest rate of .6%." To me, getting $100 after spending $1000 in the first three months is a very ordinary deal, but a .6% saving rate with a convenient self-operation like virtual wallet is very attractive. So I agreed to open a PNC credit card. He said, "once you receive the card, let me know, and I'll link your accounts for you." So when I receive the card, I emailed him. He didn't reply. So I called him the next day. He said "yes, I received your email and I have linked your account for me." Then I asked when I would start having the .6% saving rate. He replied with great certainty that it'll start from the next billing cycle. I waited until the next billing cycle and I still didn't get the .6% rate. I emailed him again to ask about it, but he never replied me. So I made a few calls to PNC sales department. To my surprise, they looked into my account and told me that there was not any bank-initiated promotion when I opened the credit card. So I was never going to get either of this two rewards. Later PNC followed up with me and told me I'll get the $100 reward, but nobody has ever heard about this .6% saving rate. The point of me making this complaint is not about a small amount of incentive, but rather the honesty of a PNC banker. A banker does not tell a lie to a customer to trick her into anything. It's absolutely unacceptable. On the one hand this is a problem of one banker, on the other hand it's also a problem of PNC that they hired such an employe.Desired Settlement: I want PNC to follow up with this issue.

Business

Response:

9-12-2014 ** researching issue

Consumer

Response:

Review: On Nov 22,2014 I (as a licensed securities individual)filed paperwork with my company [redacted] Services. I was transferring my mother's IRA. There was no activity for 3 weeks. [redacted] sent a second request in the latter part of dec 2014. 2015 began with no word from PNC. In Jan there was no response to [redacted], and no response to me or my mother. Finally, in February, my Regional VP at [redacted] informed me that PNC had graced them with an answer. Pnc said they had to have verbal word fom my Mother, no signed paperwork was good enough. However, PNC (of course)wouldn't contact my mother...they just continued hiding out and trying to run out the clock. Another 2 weeks of no movement and I contacted [redacted] the (hopeful) recipient of the IRA. They contacted the alleged "responsible" broker at PNC. He claimed that he had no knowledge at all about the pending sale .....3 months after the first paperwork. Supposedly he was to sell and transfer ASAP...In any event as of 5pm today.....no action 3 months and 10 days from the beginning. It is obvious that PNC Investments is lax and not interested in customer service at a decent level. One should not have to exert high level pressure to have their needs attended to.Desired Settlement: Hopefully give PNC INVESTMENTS A BLACK EYE ...that they richly deserve

Business

Response:

Please accept this as an acknowledgement of receipt of the above-referenced inquiry. PNC Bank has referred it to its affiliated broker-dealer PNC Investments, LLC for review and resolution directly with the customer. Thank you for bringing this matter to our attention. Sincerely, [redacted] Executive Client Relations, AVP Enterprise Escalation Group

Review: Issue 1:A withdrawal transcation was to be processed with an assessment of an overdraft fee but the transaction was not paid. However,there was still an overdraft fee assessed for funds that were not distributed.Issue 2:I noticed that when I deposited my check into the checking account at 12:04 am the funds posted on the account as if available. I made two transactions later that afternoon after 12:00 pm which posted pending on the account. I am now being assessed $108 dollars worth of transaction fees, when the money was already in the account and available. I called PNC and spoke with a representative who informed me that because there was an attempt to collect money (that wasn't there) from the account (even though it wasn't paid) I am being charged an overdraft fee. Furthermore, the account history shows that there weren't funds in the account for the transactions but the funds from the check I deposited was showing as available.Desired Settlement: I would like to have my money refunded by the bank if possible.

Business

Response:

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

Please be advised PNC has completed our investigation of Mr. [redacted] concern. He was provided a written response, dated August 13, 2013, which was sent to him via the U.S. Postal Service.

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

Review: On Aug. 5th they pulled out a $150 temp credit with out any warning thus throwing my account into overdraft I only got a letter stating this on oct 6 after I got charged 8 overdraft fee's!!!! The company had the ability to send me a warning in my message center or call me warning me of this credit reversal but they did not. these charges are unfair you could have notified in the message center and asked me which day would work instead of picking a day with little money in the account now im short 288 from overdraft fee'Desired Settlement: refund on the overdraft and better notification in futures

Business

Response:

8-12-15PNC Bank, N.A. responded to Mr. [redacted]r on August 10, 2015, and considers this matter addressed. Thank you,Julie L[redacted]

Review: To Whom it May Concern: I am writing to inform your facility of my overdraft charge. My wife and I are on disability. I am very forgetful, yesterday I noticed our account needed to be corrected and upon traveling to PNC my belt broke wrapped around another belt in which went inside my engine. After going through all that I did arrive to a PNC Bank to deposit $5.00 and we arrived before 11a.m. Because of this timely technicality we are being charged the overdraft fee in which I have 2 more checks out there and they as well will be effected too. I spoke to [redacted] but because of mistakes your company has done, she said she wouldn't be able to do anything. Last time for some odd reason my work check wasn't direct deposited so I had to rush to the bank and deposit my check due to bills going out on my payday but because I didn't have enough to cover my paycheck it was placed on pending when I could of just went to [redacted]'s and cashed it and then deposited the money but what good is a checking account, I shouldn't have to do that and the branch manager was aware of this but still decided to do nothing and I had to go to another branch to get some of my money back after 3 overdraft charges. This isn't fair. But I know life isn't fair but I feel I am being played on due to my disability. The S.S. office told me that no facility is supposed to be taking my Disability money to pay any fee's. The other incidents was because someone accessed my account that shouldn't have and disputed that and changed accounts but they don't have any records of that just giving me my money back. Then we go in to close the account last month but was told we had to pay them $25.00 to close the account or wait another month. Really? My husband was asked to take off his hat and because he said no and walked out they had an issue, locked the door on him and everything but yet a white man walks in right behind him with a hat and thats ok. I have never experienced so much trouble with a bank. They are robbing us!Desired Settlement: DesiredSettlementID: Not applicable The money is in there to cover all checks. Just clear out our account and close it, we are through with PNC. -105.00 for 5.00 wow.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on June 17, 2013. We have evaluated the information and mailed the response to client. We do not have written authorzation from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: Hi,I just made a call to your customer service department and I was really [redacted] off by the attitude of one of your representative whose name is [redacted]).In fact, I made a call to the same department last month and was received by a man whose name I don't remember but that was a really nice experience, the guy was helpful, warmhearted. I appreciate that.Today, the experience is totally disgusting. I made a call to the same department, trying to cancel a check and reached this lady [redacted]. She was extremely impatient, interrupted me serveral times when I was in the middle of answering the question she asked me, and kept asking me not to interrupt her? What the [redacted] is this? I was in the middle of answering her question. She is also very annoying because she asked me for the check number, and while I was trying my very hard to explain to her what I see on my check, by interrupting me many times and kept saying what she thought was the right number. I don't even have that number she was talking about. Totally unprofessional, cuz she was not even trying to figureout what I was trying to say before she kept talking about some numbers that is not even on my checkbook.Summary for this lady, unprofessional, arrogant, and extremely assaulting attitude.I'm your customer for 8 years and I'm not supposed to be treated like this.Desired Settlement: This lady needs to be fired for what she did.

Business

Response:

We have responded directly to the client, no authorization was provided.

Review: Hello, My complaint is about the fact that I have a question about an application # I recived in the mail and I have not been able to contact someone to find out why I have recived it. [redacted]. I have try severl times to contact co. and have not been able to speak with any one. Hey is it so hard. I have also never applyed with this company and after this experence I never will, Ever.Desired Settlement: I want someone to call me and expain what the applaction was for. gary ###-###-####.Thanks for your help.

Business

Response:

PNC has provided a response directly to the customer.

Review: On 4/14/16 at 3:10 pm I used the Mac machine at [redacted] street owned by PNC bank to withdraw $100.00 from my [redacted] account.

The money and the $1.75 transaction fee that PNC bank charges was deducted from my account however the Mac machine did not dispense the cash to me.

Also a &2.50 charge was deduced from my account by my cardholder [redacted].

I contacted PNC bank and was told to contact my cardholder [redacted] to file a claim, that there was nothing they could do.

I witnessed others going to this Mac machine using their cards to withdraw cash and they had the same experience even though I tried to warn them.

PNC bank's Mac machine should stop doing the transactions when it runs out of cash in the machine and needs to be held accountable for withholding funds

for extended periods of time like they are doing to me. A cardboard out of order sign was taped to the front of the Mac machine by the [redacted] employees no one from the bank

posted any sign or came to the machine to resolve the problem. I took pictures of that sign.Desired Settlement: I would like my $100.00 returned to my [redacted] account along with all the fees I incurred. Also I am charging PNC bank $50.00 a day for withholding my money and inconveniencing me. PNC bank should be held accountable for withholding money that is not theirs.

Business

Response:

PNC Bank, N.A. responded to [redacted] on April 22, 2016, and considers this matter addressed.

Their service and support are awful transferring from department I am unable to access my account since my husband is out for medical treatment when he returns we will transfer our money to another institution as a long standing customer I will their service is totally unacceptable!

Review: I was contacted by PNC on February 24th 2015 that the Feb 13th payment was not received as of that day. I contacted [redacted] and they could not tell me where it was since they mailed a check to PNC. I asked [redacted] to waive the late fee, she could not. She transferred me to [redacted] the escalation supervisor and she said she could not either, yet when I talked to [redacted] on the 24th he said they could waive it, [redacted] and [redacted] claimed that they could not waive it since they already waived one that was MY fault, this one is not my fault other than trusting a bank to get the payment there on time. I made the payment on the 24th through [redacted] and they received it on the 26th.Desired Settlement: remove the late fee

Business

Response:

March 26, 2015Dear Ms. [redacted]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,[redacted]Executive Client Relations OfficerEnterprise Escalation GroupPNC Bank

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Once again pretty sad I had to contact the Revdex.com for this to be addressed. And it took over a month for a response from them... I appreciate your help with this matter.

Regards,

Review: A lack of communication and organization throughout the heloc application process. After 3 months of repeatedly submitting papers for the "underwriters" as well as adding my parents to my deed, I come to find that my application was denied. Pnc is losing a family of customers and I am not hesitating on spreading the word about poor customer service.Desired Settlement: Approval of promised heloc.

Business

Response:

PNC Bank, N.A. responded to [redacted] on December 21, 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.

My financial accounts, including but not limited to checking, savings, investments, CD's, credit are hereby closed. Throughout the heloc application process, PNC showed a lack of organization, poor communication, mismanagement of my "required documentation." My recommendation for future applicants are to make the process more streamlined and organized to avoid the hassle of multiple document submittals.

Regards,

Review: I as everyone else am scraping by to get by from paycheck to paycheck so I closely monitor my account. I am opted out of payment protection with my bank. I am FULLY aware if checks overdraw accts that a fee is charged. But with purchases such as gas that are swiped with a [redacted] and put a $1 hold on the account and by the time the full amount hits this can cause you to "overdraft" but this is not the case. I am opted out and am only charged the daily fee after 3 days. I had this in mind when I made my gas purchase on 1/5/15. I normally have my 4x4 for the winter but it is in the shop due to an accident caused by an uninsured motorist. I have a rental car and I knew I was surviving on a few dollars until I get paid 1/9/15. My rent check was scanned on 1/6 and posted 5am on 1/7 for $550 and I had enough to cover that leaving me with roughly $7. I put$20 of gas in my car on 1/5/15 the $1 hold was immediately shown on my acct but the full amount did not post to my view on the PNC app until 1/7. I checked my app balance 1/7/15 between 7am & 8am before work and I had a balance of $4 and some change as the $550 check had cleared. I bought lunch on 1/7 $2.99 knowing I would have $1 or so left. Well I wake up this morning to view my acct as I do every morning and I see my balance of $-54.53? I have the $20 gas purchase I knew I made and it would overdraw my acct but would not incur a fee as I my pay processes to my acct late 1/8 or early 1/9. BUT I have a overdraft fee of $36.00. WHY?? My rent check was processed BEFORE the gas purchase. I call PNC "customer service" as they call themselves and they tell me the $20 charge posted on 1/6 LIE. I have a screen shot of my acct and it posted on 1/7. TOTAL SCAM!! If the $20 processed on 1/6 as the claim and my check for $550 processed after I would have been negative THEN! We all know your visa bank/debit card will not work if you are negative but yesterday on 1/7 between 1p and 2p made the $2.99 and it was approved. Right is right and I admit when I am wrong.Desired Settlement: When I am wrong I know it. If it made the mistake it is fine and I would acctept the charge but I know what I saw on PNC's own app. My check was posted to my view BEFORE the $20 and I should not have a fee on this instance. I love my branch manager [redacted] and she is a reason for my to stay and I refer friends to PNC because I like the services 100% of the time except for these sort of situations. I am just asking for PNC to make things right.

Business

Response:

2-27-15 - JLH - Issue has been resolved directly with client. Letter mailed directly to client

Review: For direct deposit, my work needed a letter from the bank stating that I have an open account & the letter needs to be signed. I called 800PNC to find out if I would be able to get a letter from the bank, per the instructions from my work. The rep said I could get that letter at any PNC bank. Saturday morning, I went to PNC bank at[redacted]. The rep at the door said that they cannot sign a letter, it's illegal. She instead gave me a direct deposit form to give to my employer. I asked "is there anything in print that you can give me to show that I have an account open with PNC bank & that shows my account information?" She said, "No, we don't make any kind of letter for anyone." I left the building, called 800PNC, I spent 2 hours on hold & with the rep to find out why the 1st rep on the phone told me I could get a letter, but the rep in the bank said they don't give letters. I finally went back in the bank to close the account. The rep asked why & I told her what happened. She said they DO make letters for people & she typed a letter with my account information for me. Since I was going to close my account, I tore up my debit card, I showed it to the rep & said I'll need a new card now that she was able to assist me & keep my account open. When I tried to activate my new debit card, I kept getting an error message that stated for me to visit my local bank. I went to the bank Saturday morning to activate my card & the rep said that Id have to call 800PNC because my debit card is deactivated. The 800PNC rep said a letter was sent out last Friday about my account being closed. I checked my mail Saturday afternoon & the letter I received does not state why PNC has closed my account. The letter only states that I have until July 10 before my account is closed & a cashiers check will be mailed to me with any remaining funds in my account.Desired Settlement: 1. I want an explanation why they closed my account. 2. I want it noted that I wasted so much time going to the bank branches & calling 800PNC only to get poor service by being told I had to call rather than go in or go in rather than call. 3. I had the online banking option with no fees unless I had a bank rep make a deposit, transfer, or withdrawal, so I never had access to my money without being charged a bank fee. 4. I want compensation for all of my time wasted on the phone with 800PNC, in the PNC bank branches & my time I now have to spend having to open another account at another bank & go through the entire direct deposit process again.

Business

Response:

no authorization on file. in process of responding to customer.