PNC Financial Services Group, Inc.

Review: This Bank is crooked. The bank is violating laws regarding the way they have deposited and debited transactions on my account. This Bank lost a cash deposit that I put in my account that has caused a domino effect of extra charges and they refuse to correct the situation. Everyone in the [redacted] Branch was rude and did not want to entertain the fact that they made an error and want me to pay for it. I tried to file a complaint was argued with to even do that. I evantually got the complaint filed and have also called a lawyer to inform me how we can fight PNC bank. It's the worst bank and I have had nothing but problems with them since I opened the account. They steal and they are crooks. They are unprofession and it shows why they have not grown as a bank. They violated my rights as a consumer and I will be fighting them with my lawyer.I as a customer should not have to pay for errors made with an [redacted]. They should have corred all account errors at the time they made they and not leave me to pay them more money to cover their error.Desired Settlement: I would like them to correct the account and close the account. I should not have to pay for the errors that the bank has made. I made a cash deposite and had they not lost my money and accused me not not depositing at their branch ATM then none of this DEBT would have occured.

Business

Response:

September 16, 2013

Ms. [redacted] has been contacted and resolution has been made. We consider this case closed.

Thank You,

Review: I recently had my card replaced due to suspected fraud activity. The new card has been set up to receive notices of transactions on the card. The new card does not receive notices like the previous card.The notices that I require the card to receive are any purchases made with the card.I have been hung up on two times by PNC employees who said the alerts were set up and refused to further investigate the fact that the alerts are not working on the card.Desired Settlement: Fix the card alerts.

Business

Response:

PNC has contacted the client directly to respond to the complaint. No release was provided.

Review: Banking practices in charging customer NSF charges and returning items without double checking accounts.

Numbers times within my account PNC is creating banking to retrieve NFS charges. Hold funds and then returning back in the account in order to get fees. I would love or my account to be audited for all NSF fees that were taking from the account. I charged $36 for being negative .22 cents. Had a pending charge the same transactions along with charges that we pending for 2 plus days and then returned back in my account as funds available then taking back out again. My direct deposits are posting same time as the returned item is being returned. Spoke with banks tellers for help they report that nothing can be done it all must run through the nightly batch. Call Customer care told the same things most would explain that I must speak to my local branch. I have stayed with the company only for the convenience as I have a daughter in college and she also has a PNC bank in her area where she attends college. But I will not allow PNC to keep charging fees. I don't see any customers benefit or concerned about the customers. It is more concerned to program the over night batch to steal money for customers. No live person confirming nightly transactions.Desired Settlement: The resolution is to refund any and all NSF that was charged to my account within hours of direct deposits

Business

Response:

Good Morning, PNC Bank, N.A. responded to [redacted] on January 4, 2015 and considers this matter addressed Lauren R[redacted]Executive Client Relations

Consumer

Response:

January 14, 2016 I did speak with Lauren R[redacted] on January 4, 2015. My complaint was not answered. Ms. R[redacted] once again only justify the banking creating banking practice. I wasn’t able to get her to understand that the internet online banking shows one thing, then once the nightly batch runs it does something different. As a customer and how would you know how the bank would handle transactions? Ms. R[redacted] returned 1 NSF fee of $36 to my account. But that does not reflect the embarrassing fact that the checks are being returned to the merchant and causing more fees for the customer of PNC. No checks and balance to see if the accounts have a positive balance before returning the transactions as I have been shared from the local branches and customer service online bank reps. Most of the transactions that I have issues with his during the same dates as my electronic direct deposits. Also why my accounts is unable to OPT into the overdraft coverage service. I was on hold with Ms. R[redacted] for 45 minutes as she researched the issue. She explained that Chex systems is another systems is used to approve for overdraft coverage. But I later found out that that isn’t true. I can select overdraft service online banking no response about being approved or not. I was told they type of account that I have is not approved to have overdraft coverage. The message reads Overdraft Protection is free to set-up for consumer accounts; however fees may be incurred with the use of Overdraft Protection. Refer to the Consumer Schedule of Service Charges and Fees for more information. An Overdraft Protection set-up fee may apply to some business accounts. Refer to the Business Checking Accounts and Related Charges Brochure for more information. Some accounts are not eligible to be linked as overdraft protection based on titling, product requirements or system constraints. My account allows me to edit then returns message Your Overdraft Protection settings for Virtual Wallet with Performance Spend XXXXXXXXXX have been submitted Changes to Overdraft Protection will become effective no later than the next business day.

Review: I completed a credit card application for business credit with the bank and they assured me that my personal credit would not be pulled only business credit checked, because that causes an inquiry thus preventing me from getting future credit or terms. They pulled my personal anyway after 3 times telling me it could not happen.Desired Settlement: Refund I want $5,000 in compensatory damages as that is the amount of requested credit, this does not include damages toward getting future refinancing with my mortgage and other personal or business lines.

Consumer

Response:

They pulled my credit after they agreed 3 times stating that they would not and could not because they only have my business EIN #, and now my credit shows an inquiry on my credit report. I want them to remove it.

The reasons they indicated for denying credit does not match my credit profile. I want them to grant me the credit line I requested.

Thank you,

Business

Response:

Mr. [redacted],

Please allow me to respond to your complaint filed on May 20, 2013, with the Revdex.com ("Revdex.com”) regarding an inquiry to your personal credit bureau report. I appreciate the opportunity to address your concerns.

On May 3, 2013. PNC Bank. National Association (“PNC Bank") received an application from you for a business credit card for your business, [redacted] You are listed as the business owner/applicant for the application. PNC Bank’s standard business credit card application provides that both the business and business owner/applicant are jointly and severally liable for all transactions on the credit card account. In addition, the application also provides that the applicant authorizes PNC Bank “to obtain information from others concerning my or the Company’s respective credit standings and other relevant information impacting this application and. if credit is granted, from time to time throughout the term of indebtedness including obtaining my personal credit reports and file copies of financial statements from any account or accounting firm.”

Upon receiving your application, PNC Bank pulled information from your credit bureau file from [redacted]. After reviewing your credit bureau file and your application, PNC Bank informed you and your business, in letters dated May 7, 2013, that we were unable to approve your request at this time. Attached are copies of these letters for your files

After receiving your Revdex.com complaint, we initiated an investigation into your claim that the banker, who took your application for a business credit card, advised you that your personal credit bureau file would not be obtained. As a result of our investigation, we have decided to remove the inquiry for this business credit card application, dated May 3, 2013, from your credit bureau files. Please allow 45 to 60 days for the credit bureaus to update their files.

In addition, we also put your application through a second review process to evaluate whether we are able to provide your business with credit at this time. As part of this second review, in which no new information was provided to us and in which we did not obtain a new copy of your credit bureau file, it was determined that we are unable to approve your request for credit due to the same reasons that were identified in the letters to you and your business dated May 7, 2013

Thank you for allowing us to clarify our position in this matter. If you have any questions or additional concerns, please call me toll free at ###-###-#### I am available Monday through Friday from 8:00 AM to 4:45 PM, Eastern Standard Time

Sincerely,

[redacted] AVP

Executive Client Relations PNC Bank

Review: I was on a Loan Modification with PNC Bank and the terms of my loan modification was to make 3 payments. After my 1st payment in November, my 2nd payment in December was returned for insf. and I called PNC on December 15th to let them know that my bank returned the check and I wanted to make the payment successful. PNC stated that their records shows that the payment was successful and they will not take another payment unless is shows returned. This went on all the way up until Dec. 28th and they still refused to accept my payment. So I asked if I can send the payment western union and they said yes. I sent the payment via western union and PNC sent it back to me and as a result they took me off of my loan modification and said I will have to apply over again for not making my Dec. payment. After arguing my point and attending a mediation PNC agreed to allow me to re-apply for a mediation and that they will not deny me a mediation on the fact that they previous mediation was defaulted based on the circumstances. After applying needless to say that they did in fact deny me. Reason: Defaulted on previous Loan Modification in less than 12 months. I now fact a forclosure sell date as a result of the misleading agreements of PNC Mortgage.Desired Settlement: I will like to be granted and placed on a Loan Modification to allow me to continue with my mortgage payments. Acct.#PNC Contact Number[redacted]

Business

Response:

9-9-2014 Response letter under review

Consumer

Response:

This issue has not been resolved!!!! PNC Mortgage “Screwed” Me and offered nothing to resolve my issue. So Revdex.com can join the team and Lie as well and say that this issue is resolved but it’s NOT!!!!

Review: I took out an auto loan with PNC approximately 20 months ago. Payments are deducted directly from my PNC checking account on a monthly basis. In addition to the monthly payments, I make several additional payments each month in order to pay down the principle. I received a call on 1/7/13 from PNC claiming that I was 2 months in arrears on my loan. When I called the branch on [redacted] in customer service mentioned that not only was I late on a least six of my payments, but that an additional $2000 was added to my account in accrued late fees. I pointed out to them that it was impossible that I was late as I was on an automatic deduction. I was told my case would be "escalated" but here it is three days later and PNC still cannot provide an answer as to what happened nor can they tell me how their accounting error will be resolved. I'm sure they've trashed my credit rating.Desired Settlement: I need to get my credit rating reinstated and I need a third party to intervene and determine what my true balance due is on the loan as I cannot trust PNC any longer

Business

Response:

The customer has filed a regulatory complaint regarding this issue. PNC Bank is responding to the customer through the regulatory agency.

Sincerely,

Officer

Executive Client Relations

Enterprise Escalation Group

Review: I was checking my credit report. A loan with a payment of $139 from 2006 from PNC Bank. I contacted them. I gave them my information. They couldn't find any account that I owe. The girl said I needed to fax more information to her in order to resolve the issue. I asked for a manage 3 times. finally, she put me on hold for 20+ min. I do not owe this money from 2006. It is showing on my credit report as unresolved. I am trying to buy a house.Desired Settlement: I want it removed from credit report.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on July 23, 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,

Executive Client Relations

PNC Bank

Review: I sent money to my friend through PNC pop money service in March 2012. Both of us are holding PNC account. The money has been deducted from my account but never went into his !! It has been one year and a half, we went to the branch about 10 times !!! But they can ALWAYS find an excuse turning us away. The agent is arrogant and not respectful. Never hear from him as he promised if these was any progress. What makes us angry is that they just did't admit that it was their fault. Investigation has been done to both my friend's account and mine, showing that the money has been transferred to a person that has the same name as my friend. But they just cannot do anything about it. We are really disappoint with PNC.Remember to ask for compensation and a Sorry from PNC !!Desired Settlement: We want the money back, and a sorry from PNC !!

Business

Response:

We have resolved the customer's issue. Please close this complaint.

Executive Client Relations

PNC Bank

600 Grant Street

Pittsburgh, Pa 15219

(p) ###-###-#### (f) ###-###-####

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: On Feb 15, 2014 I went to PNC Bank at[redacted] Road to pay my mortgage . I did not have my payment book with so I asked the teller to look up the amount due. I was told $1,011,41, I paid that amount.Within three weeks of that date I started receiving letters from PNC asking if I was in financial trouble and why I only paid the above amount.I tried several times to explain to the representative what happened. The representative demanded I pay the extra right away or face foreclosure.I did agree to do a payment over the telephone.I asked why the letters had a printed date of writing 7 days earlier that delivered by the post office, the enrollee had no date of mailing just a genetic post mark. I never got response. In all I received three nasty letter from PNC all with written date 7 day before delivery by the post office.I was told they tried to contact me by telephone, but did not have a valid telephone number for me. I have had the same telephone number for over the past 7 years.Now on April 4, 2014 I started getting call from ###-###-####, another call on 4/7/ 2014 at 10:30 AM and again at 1:07 PM, each the only information left was "This is PNC bank call us immediately" no person name or telephone number and extension and no reason why.I called back several times and wanted to know why they are calling, since I would not give out my loan number or social security they informed me that they could not talk with me.Now, can you explain how in March they did not have a valid telephone number for me but in April they now a telephone number.I suggested that their site was hacked by outside source because of all the incorrect information they had in their record, the response from PNC was silence.What is going on at PNC ?Desired Settlement: One- Conformation that my mortgage payment are current.Two - Confirmation that no negative information has been placed with any and all credit reporting companiesThree- An explanation why PNC bank in February gave me the wrong amount to pay.Four- Stop the telephone calls or leave a name, telephone and extension along with a message indicating the reason for the call.[redacted]

Business

Response:

There is no signed release from the customer. PNC Mortgage will respond directly to the csutomerin writing once research is completed. 042514

Review: I went to a PNC ATM machine in [redacted] last month to withdrawal my sons daycare money which is $110 every other week. however I did not notice that it had taken out $410 instead. HOWEVER I only received $110 like I asked for. I placed a dispute with my bank and they are not able to do anything about it. I am a single parent to a 14 month old little boy. $300 might not mean much to some people but that's my sons day care, diapers and food for him.Desired Settlement: I wish that the $300 that I am owed is given back to me. Again as a single parent $300 is a lot of money for it to have been taken out of my account. I am no longer using PNC ATM machines to with drawl money and because there is nothing my bank can do or wants to do to assist with this issue it has lead me to no other option but to file the compliant as well as look for new banking.

Business

Response:

PNC responded to Ms. [redacted] on July 17, 21, 24, 28 and Aug 3 and 12, 2015 and considers the matter addressed.Thank you,Melissa G[redacted]Executive Client Relations

Review: I opened a virtual wallet account. At the time of opening, I was told that I would get $150.00 cash reward after 60-90 days. I would have to either do ten debit purchases, or 2,000 in deposits. I researched the credit. I was explianed it was too early the requirments was met but It's a complete ninety days. Even though I opened the account on December 29, 2012. The account specialist had my promo start on January14th. I called because it was suppose to be for the month of May. They said were not giving it to you because you still needed to have made one online bill pay. Which had on other circumstances been done. I was nevered told If the 2,000 or debit purchases was made; that a online payment as well.... I believe they dont want to give me what's rightfully mine.....Desired Settlement: I would like my cash promo of $150.00. I have been a great customer. I planned to use this money this summer during vacation. I was even told the requirment's were met. I just needed to wait.

Business

Response:

Attached please find a copy of PNC Bank, National Association's ("PNC") response to the Revdex.com regarding the complaint filed by [redacted]. Should you need additional information regarding this matter, please contact [redacted] through PNC's Executive Client Relations at ###-###-####.

Review: I have overdraft protection of $600, on 4/29/15 I transferred money from checking to savings. Leaving 116.31 in checking ad 139.20 in savings. Later that day after banking hours, they posted 2 checks to the account totaling 701.20. They lumped the checks and said I didn't have enough in order to cover the checks. I did have enough to cover both of the checks, also they charged me 2 overdraft fees on 4/30 36.00 each. On 4/30 I called to question the charges, I spoke first with [redacted] she was unable to assist me. I asked to speak with a supervisor and I then spoke with [redacted] she was unwilling to complete the refund. I asked her why the overdraft protection wasn't offered. She said it is. She said is there anything else. I said yes could you please help me set up the overdraft protection on our other accounts. I chose to set it up against our credit card. I asked again to have a return call from a manager. She said she would escalate the call and I would receive a call within 24 hours. Today is May 4th and I have not received a return call.Desired Settlement: I would like both overdraft fees refunded Total 72.00. Neither the customer service representative or the customer service manager followed through and escalated the call to upper management so I would get a return phone call.

Business

Response:

May 6, 2015Dear Ms. [redacted]On May 6, 2015, PNC spoke with the customer and accommodated her request, as a courtesy. PNC considers this matter resolved.Sincerely,[redacted]OfficerExecutive Client Relations

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 verified the OD fee 72.00 was refunded. I appreciate [redacted]'s assistance with this customer service issue.

Review: I was late paying my mortgage in March 2013, but it was less than 30 days late. I called PNC to pay my mortgage by phone so that it would be paid BEFORE the end of the month. The customer service rep that assisted me began to ask me a plethora of questions including why my payment was late and where the money was coming from. I told the rep that I was not going to answer his questions, it was none of his business and to let me speak to a manager. He continued to ask me questions and I told him to just make my payment. He was very difficult to deal with and refused to just process my payment. I was trying to make a payment to my account and felt that I was being harassed for wanting to pay my balance due. This company has continued to harass me each month when I call to make a payment. In May 2013 I again called to make the payment so that it would be paid within the month and not 30 days late and the rep I dealt with again insisted on questioning me and asked where I was getting the money. This to me is illegal to ask. It is NONE of their business where the money comes from. I call to make a payment, I expect to be able to make the payment without being harassed. At this point the mortgage is more than the house is worth and I am doing PNC a favor by continuing to pay my mortgage and NOT be in default instead of walking away from it. I do not want to deal with harassment from their customer service reps. I do not have the time to play 20 questions with their phone reps.Desired Settlement: I would like an apology from PNC for being harassed by their customer service reps who should be processing payments, especially after being told that this is all I am calling to do. I want PNC to retrain their employees to listen to the customers, not be disrespectful or rude, to resolve situations by actually doing what the customer has called for instead of refusing and continuing to ask questions that are inappropriate and possibly illegal.

Business

Response:

Dear Revdex.com:

We responded in writing to Mr [redacted] on August 5, 2013, we consider this issue as closed.

Sincerely,

Executive Client Relations

PNC Bank, N.A.

Review: Pnc has given me previous refunds before. but this time I check my account im opted out (meaning I cant overdraw with my card) and havent used my card in days then I get a tranaction saying I spent $4 and then they charge me $36 for that lousy $4. I dont get this bank their backwards and they wonder why they lose so many customers and why people are now getting prepaid dedit cards. I have a family to feed and this is insane how im getting robbed from them I want this taking care of immediately . I never thought I would have to report them but this is the final straw I am comeletly done with themDesired Settlement: I know my account was overdrawn for my car payment (80.98+36.00{overdraft fee}) so 116.98 I am okay with but for the extra $40 I want refunded immediatly

Business

Response:

This letter is written in response to your correspondence regarding Ms.[redacted]. PNC provided a written response to Ms. [redacted] and provided 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,

Officer / Customer Relations Manager

Executive Client Relations

Review: Bank charges inconsisent fees. on 11/6/14 closing balance on account is $294.56on 11/7/14 check debited from account for $100 on 11/7/14 charged over draft fee of $36 on 11/7/14 deposit on $420 and 195 into account. after all deposits available balance of 773.56 There was no reason to be charged an over draft fee. on 1/2/14 charged service charge of $24 which put account negative and then charged 3 seperate $36 overdraft fees on the $24. Service fee is $12 as quoted by bank employees. Yet we are charged $24 on 1/2/15 and 9/2/14Also charged international POS Fee of $12 on 9/26 but never left the country. on 9/30/14 charged 2 overdraft fees of $36 each posted because of the international fee on 10/1/14 Deposit made of $976.00 on 10/1/14 charged service fee of $12 on 10/2/14 Charged overdraft fee of $36 even though there was over $800 in the account.Desired Settlement: refund of all over draft fees

Business

Response:

Please allow me to respond to your complaint filed on January 12, 2015 with the Revdex.com of Western Pennsylvania (“Revdex.com”) regarding fees assessed to your PNC Bank, National Association (“PNC”) Business Checking Account ending [redacted] (“Account”). I appreciate the opportunity to address your concerns. In determining whether you have sufficient funds in your account to pay checks and other withdrawal items, PNC’s general practice is to consider all pending electronic transactions (including, but not limited to, point-of-sale transactions) for which PNC has received notice, even if those transactions have not yet posted to your account. Pending transactions immediately impact the balance used to pay items presented for payment during nightly processing. We receive transaction information from merchants and other sources throughout the business day. Although pending transactions are reflected in your available balance, Overdraft Item Fees are only assessed on the posted items presented to your account against uncollected or non­sufficient funds. PNC’s general practice is to post items according to the date and time they were authorized or when PNC received notice of the transaction. Details of our policy are disclosed in the Withdrawals From Your Account section of our Account Agreement for Business Accounts (“Account Agreement”). Please find the enclosed copies of the Account Agreement and our Business Checking Accounts and Related Charges - Business Checking (“Fee Schedule”) for your records. PNC’s Funds Availability Policy for Business Accounts (“Funds Availability Policy”) is designed to comply with all of the requirements of Regulation CC. Regulation CC requires depository institutions to make funds deposited into accounts available within specific time schedules. Additionally, as detailed under the Initial $100 of Your Deposit section, “The initial $100.00 of any deposit will be available on the evening of your deposit to pay checks or items that are presented to us that evening for posting. The balance of the $100.00, if any, will be available on the first business day after the business day of your deposit for all purposes. The remaining balance of your total deposit will be available according to the availability provisions for such deposits as otherwise stated in this policy.” A copy of PNC’s Funds Availability Policy is also included for your reference.According to our records, the beginning available balance on November 6, 2014, was negative - $0.44. There were two (2) pending debits totaling $59.03 that reduced your available balance to negative -$59.47. A third pending debit in the amount of $19.69 did not affect your available balance. A check in the amount of $295.00 was deposited into the ATM at [redacted] in the amount of $295.00. Pursuant to PNC’s Funds Availability Policy, the first $100.00 of the deposit was made immediately available, bringing your balance available to pay items to $40.97. Subsequently, Check # [redacted] in the amount of $100.00 presented to the Account and was paid, leaving a negative Account balance of -$59.03. One (1) $36.00 Overdraft Item Fee in the amount of $36.00 was appropriately assessed on November 7, 2014, as disclosed in the notice sent to your address of record. On November 7, 2014, the remaining deposit of $195.00 became available, returning your account to a positive balance. In your complaint you reference transactions on January 2, 2015. Our records indicate your available balance was $126.71. Three (3) debits; ($137.54 from Paypal, $103.75 from Paypal, and $16.38 from Paypal) totaling $257.67 presented to and overdrew the Account. Three (3) $36.00 Overdraft Item Fees were appropriately assessed on January 5, 2015, as disclosed in the notice sent to your address of record. A Service Fee in the amount of $24.00 was also assessed on January 2, 2015, but no Overdraft Item Fee was assessed for this transaction. As disclosed in the Account Agreement, your Account may be subject to various charges, including but not limited to item charges, a monthly service charge, charges for the use of certain Account services, and late payment charges as set out in the business Fee Schedule, statement or other fee disclosure we provide to you, and which are made part of this Agreement. Unless otherwise agreed, these charges will be deducted from your Account balance automatically and may cause you to become overdrawn or your outstanding checks to be returned unpaid. Pursuant to the Fee Schedule, a $12.00 Monthly Account Maintenance Fee is assessed if you do not meet any of the requirements to avoid the fee. In your complaint you reference a $24.00 Monthly Service Fee assessed on September 2, 2014 and January 2, 2015. The $24.00 Service Fee assessed on September 2, 2014 is detailed in your Account statement ending in August 29, 2014 under the section titled “Detail of Services Used During Current Period.” This section notes a $12.00 Account Maintenance Charge and a $12.00 Return of Deposited Item Charge were assessed for the period and the total charge would post to your Account on September 2, 2014 and would appear on your statement as a single line item entitled “Service Charge Period Ending 8/29/14.” Check [redacted] in the amount of $350.00, drawn off of [redacted] Bank was returned on August 19, 2014, which resulted in the assessment of the Return of Deposited Item Charge. The service charge assessed on January 2, 2015 is detailed in your Account statement ending on December 31,2014. The Detail of Services Used for the period reflects a $12.00 Account Maintenance Charge as well as a Return of Deposited Item Charge. Check #[redacted] in the amount of $1,000.00, drawn off an Account at [redacted], was returned on December 9, 2014, which resulted in the assessment of the Return of Deposited Item charge. Methods to avoid the assessment of the Monthly Account Maintenance Fee are detailed in the Fee Schedule, for your reference. In your complaint, you also reference an International POS Fee of $12.00 on September 26, 2014. This fee is the result of a debit from [redacted]n the amount of $400.00 that also posted to the Account that same day. No Overdraft Item Fees were assessed as a result of this fee, as you state in your complaint. If you believe this transaction was unauthorized or incorrect, please contact us so that we may file the proper dispute. On September 29, 2014, your beginning balance in the Account was $209.49. Two (2) pending debits totaling $114.15 reduced your balance available to pay items to $95.34. Eight (8) items presented to the Account, totaling $141.78 and leaving you with a final balance of -$46.44. Five (5) items overdrew the Account, however, two (2) $36.00 Overdraft Item Fees were only assessed on transactions in the amounts of $14.29 and $19.40 from Paypal. These fees were assessed appropriately on September 30, 2014, as disclosed in the notice sent to your address of record. Lastly, in your complaint you reference Account activity on October 1, 2014. On that date, your beginning balance in the Account was -$111.28. A check deposit in the amount of $976.00 posted to the Account. Pursuant to PNC’s Funds Availability Policy, the first $100.00 of the deposit was made immediately available, bringing your available balance to pay items to - $11.28. Subsequently, three (3) transactions posted and further overdrew the Account; $7.16 from 7-Eleven, $12.82 from Paypal, and a $12.00 Service Charge. This brought your balance to -$43.26 for the day. Only one (1) $36.00 Overdraft Item Fee was assessed on the $12.82 Paypal transaction on October 2, 2014, as disclosed in the notice sent to your address of record. On October 2, 2014, the remaining deposit of $876.00 became available, returning your account to a positive balance. It is PNC’s practice to refund any fee assessed as the result of a proven bank error. According to our records, one (1) $36.00 Overdraft Item Fee and one (1) $7.00 Continuous Overdraft Fee were refunded on December 16, 2014 as a courtesy. As no proven bank error occurred, your request for further refunds is respectfully declined. PNC Alerts, which in addition to keeping your account register up to date, recording purchases as they are made, and maintaining a positive account balance, may help to effectively manage the account and avoid the assessment of fees. Enclosed for your records are copies of the following: • Overdraft Notices dated September 30, October 1, October 2, November 7, 2014, and January 5, 2015 • Account Statements dated August 29, 2014 through January 31, 2015 On behalf of PNC, I apologize for any inconvenience you may have experienced regarding this matter. Thank you for allowing me the opportunity to clarify our position. I attempted to reach you by telephone to address your concerns, however, I was unsuccessful in reaching you. If you have any additional questions or concerns regarding this matter, please contact me directly at ###-###-####, extension ###-###-####, Monday through Friday, 8:00am-4:30pm, EST. Sincerely, [redacted]OfficerExecutive Client Relations PNC Bank

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.

Regards,

Review: After constant flyers from PNC, I finally applied for Visa credit card over the phone with a promise of 50,000 points when I spend $500 over a 3 month period. It has been more than three months and I haven't gotten any points, so I called them. They said I have to provide the flyer which I don't have now, in order to get points. The person who promised me over the phone didn't say anything about keeping the flyer and after numerous phone calls PNC won't give me the points they promised in order to get me to open a credit card. The worst thing with this bank is no one is trying to help me or contact me. I got a phone call once on 1/29/15 and she couldn't reach me because I was at work. I called her back 5 more times and left 2 messages and still have not gotten any phone calls from her. All I heard is no flyer, no points. If they need proof, they certainly look for my conversation with them because it said they would record this for training purposes or something. I am filing this complaint because this is false advertisement.Desired Settlement: I want my 50,000 points back as they promised me over the phone.

Business

Response:

PNC spoke directly with Ms[redacted] on April 15, 2015 and provided resolution to the concerns expressed in Revdex.com Case # [redacted]. As a result of our conversation, Ms. [redacted]’s account was credited 50,000 bonus points. Ms. [redacted] has my direct number if she has any further questions. Thank you,[redacted]Officer, Executive Client RelationsPNC 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.

Review: I filed a dispute for a $170 charge that appeared on my statement. I explained that the company did not issue me a receipt which made it impossible to know what airline or date and time my flight was. PNC bank credited my account for the charge. Nothing was ever sent to me as usual in the dispute process. After the Christmas holiday I checked my account and saw the charge was suddenly reversed without any notification and $7 charges were being added daily because my account was now overdrawn.Desired Settlement: This was a valid dispute reason and the charge should be reversed plus all over draft fees should be waived. I never received any communication surrounding the whole issue which is alarming.

Business

Response:

February 2, 2015 Good morning, we have been in contact with the customer and have provided resolution to the complaint. Thank you,[redacted]

Review: PNC Bank calls us every month telling us we missed a payment and our account is past due. Our payments are 2-3 weeks early every month. One payment has been applied to principle instead of against our account putting us a month behind. At first, customer support representatives told us that the problem had been resolved and that we were back on schedule. Now, their customer support representatives deny that any money ever went to principle and say we are just a month behind. As a result, PNC collections call us every month.Desired Settlement: We have asked for payment detail going back 9 years to identify the specific date of the problem transaction. PNC has done a poor job researching this problem and has told us the matter was resolved when it was not. Our expectation is that the matter is resolved based on factual data and our payments are applied ahead instead of behind.

Business

Response:

[redacted] is in contact with the customers to resolve the issue 4-10-2014 [redacted]

Review: We have been working with PNC Mortgage now for over 2 months to get a response on the appraisal dispute. The appraiser PNC appointed made several errors that made the appraisal document invalid and unfit. Listed below are few major errors that the appraiser made: Incorrect measurement for the property Compares that were sold over six months time frame of appraisal Listings used as a compare instead of actual sales The age of the compares provided were 20 years where as the subject property is 6 years oldPNC Bank failed to make note of these errors in the appraisal. When the data was shared with us, we pointed out the errors to PNC Bank representatives and provided valid supporting documentation that confirms the errors made by the appraiser. We provided documentations and from [redacted] County Property Appraisal department dated May 28th 2013.This document shows the current appraised value of the subject property as $722,900.Desired Settlement: PNC Bank provide me a full refund of the appraisal fee that was paid to in March of 2013 since 1.PNC Bank accepted an erroneous appraisal2.Failed to correct the errors on the appraisal even though the errors on the appraisal document are acknowledged by the PNC representative3.PNC Bank failed to prove us with timely communications or order a new appraisal

Business

Response:

Dear Revdex.com:

This letter is confirmation that PNC Mortgage sent a response to the loan applicant regarding the reference complaint.

Thank you for contacting PNC Mortgage.

Sincerely,

Mortgage Escalations Group

Review: I have a PNC bank account. everthing has went well accept the overdraft fee. if I over draft. I will pay mu overdraft fee for that transaction but they have charged me twice for the same transaction more than 5 times and evertime I have went to my local branch they have been kind enough to assist me. but this keeps happen time after time which is causing my needs not to be met. due to something I have no say so over so if you could just fix the problem that would be greatly apprecited thank you. and try not to let this occure again please thats all im asking. and thats all I wantDesired Settlement: I would like a refund of the overdraft and someone to contact to see what we can do resolve this issue from happening again

Business

Response:

The issue for Mr [redacted] was resolved on 2-5-2014. He spoke to [redacted] and she resolved his issues.