PNC Financial Services Group, Inc.

Review: I recently lost my husband and have tried now for three months to close his account and retrieve approximately $1100.00 dollars from his account. I went to the brancy where my husband banked three weeks after his death and was given the run around. I understand that he apparently had a business account and that obviously was a problem however I was given no help in resolving the situation and the account was frozen so that I do not even know exactly the amount in the account, however based on his previous statements and what I know about his finances there is no more than $1100.00 dollars in the account. With extreme stress and frustration I contacted my attorney who contacted the PNC legal department in an attemt to settle this matter. We provided all the neccessay documentation requested and they have yet to give the curtisity to respond. I am extremely upset in that I am dealing with a very difficuly loss and now have paid an attorny $600.00 to not even get a reply from the bank.Desired Settlement: I now feel that PNC should not only release the funds in my husbands account as is Pa. law but I now feel they should refund my money spent on an attorney who they have yet to have the curtisy to respond to.

Business

Response:

Please allow me to respond to your complaint filed on June 24, 2013, with the Revdex.com (Revdex.com). j appreciate the opportunity to address your concerns.

As we discussed on September 23, 2013 the options available to obtain the funds from the account in question, as the funds available in the account are less than $3,500.00 and no estate was established, are to present an Order of Court to PNC Bank, National Association ("PNC Bank”), or complete PNC Bank’s Claim for Account of Deceased Depositor form (“Claim Form”). Ms. [redacted] you indicated you would complete the Claim Form. We then reviewed the Claim Form, and the additional documentation required with the form. Those additional documents include a funeral bill, a receipt for payment of a funeral bill or an affidavit executed by the funeral director that sets forth that satisfactory payment arrangements have been made must be provided. PNC Bank must also receive a certified copy of the death certificate, which will be retained for our records.

After receiving the completed Claim Form and required documentation, PNC Bank will disburse the funds in the account at issue based on the documentation presented. In your situation, as the funeral bill is paid the check will be made payable to you, [redacted]. As agreed, I have reached out to your local Branch Manager and advised you will be contacting him to make an appointment to complete the Claim Form, present the documentation, and have the funds disbursed.

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,

Assistant Vice President Executive Client Relations Enterprise Escalation Group

Review: I contacted PNC customer service on 12/23/15 regarding an issue with overdrafts on the account. I was told that any time there is an automatic payment, it will post regardless. The account is currently negative over -$1,000. The issue I am having is that even with it being overdrawn for that amount, automatic transactions are still coming through the account. Some transactions are $10 or less and I am being charged $36 OD fees for each. Then on top of it, I am being charged a $7 a day OD fee. To me something isn't right to have all these transactions keep coming and posting in the account. Apparently it is up to the system to determine if the transaction will post or reject. Not an individual person. You would think with the account being overdrawn for the amount of time plus the amount that somewhere the system would start rejecting these automatic payments. For some reason I had an automatic payment for tuition ($820) reverse back out of the account back in February. However, when my account was overdrawn over $300 this past time, that same type of payment was posted. Kind of doesn't make sense. Because of this whole situation, my direct deposit tomorrow will still probably still not cover enough for the account to go positive. I mentioned just closing my account when I could get it to the positive and there was no one telling me otherwise. When I spoke to a supervisor, they informed me that because of a complementary reversal of OD done in the past, it could not be repeated. When I asked if there was any way that I could be helped with this, I was told that no one had the authority to make any reversals of OD fees. Not my branch, no one. I thought PNC Bank cared about their customers. When I mentioned probably just closing my account when I got it to positive, no one tried to stop me or persuade me to stay.Desired Settlement: I would like to be refunded some of the OD fees that I have incurred.

Business

Response:

On Sun, Jan 31, 2016 at 2:42 PM, <[redacted]> wrote:Hi [redacted], the complaints for [redacted] and [redacted]were resolved with the customers on 1-29-2016. Please update the status for complaint.

Review: I filed a dispute due to a salon and pnc was to help file the claim against the salon due to being unhappy with what the salon did to my hair. They felt more in favor wit the salon then there own customer due to I signed for the transaction even though I never once denied signing for so. [redacted] charge back clearly states if services u paid for over 50 Dollars within 100 u can dispute due to ur weren't given what u were guaranteed y wanted to appeal the claim when it was denied I was told by pnc it would be denied regardless and they were right even though a supervisor promised me she would push it through well she lied. I waited a week for papers in the mail to never get them. I contacted first data the company pnc goes through with there claims the lady was going to help file the claim for me but needed pnc to put the credit of my funds back into my account so I had to have them agree to do so and when I called yet again trying to re open the claim yet another supervisor gave me a hard time. The funds weren't put in my account like I requested until the time frame it was to late to even dispute the claim then wit [redacted] so I was then screwed out of disputing my claim like I wanted to do all along due to the fact pnc wanted to not listen to me and give me a hard time. I request call backs from supervisors I have spoke to I never get call backs I have spoke to retail escalations department and they don't seem to care or won't even apologize for making any mistake on delay. Now on order to get my refund I must take civil matters against the salon which will cost more funds. I plan to report pnc to the federal reserve and pull all funds out of there bank once this is all settled in court. I have never been so disappointment in a bank ever. They need to keep in mind us customers is how they do lending to others customers. If it wasn't for our money in accounts they wouldn't be able to lend money out for homes loans etc well I'm glad they don't put no effort at all and my phone calls don't get returnedDesired Settlement: I want a full credit and permanent one and an apology from the bank on why notes weren't entered in my accounts when I spoke to each person as well as why the delay because if it was done when asked I wouldn't be in his situation.

Business

Response:

The customer was advised of the bank's decision. The issue is closed.

Assistant Vice President

Executive Client Relations

Enterprise Escalation Group

Review: PNC Bank refused to allow a Loan Extension on my current auto loan during a time of hardship. I fell behind due to being on [redacted] from work with a lesser pay rate. I have been trying to catch up on my own. The next payment (plus some) would be made this coming Friday when I get paid but PNC drafted my checking account $124 which I did not authorize and applied to the loan. This leaving me $0.92 in my checking account with pending withdrawals which will now bounce because of their unfair collection practices. So now as I try and bring my loan current it is only causing more debt and will take that much longer to catch up.Desired Settlement: Would like for the funds to be reversed and paid when I am able or offer a loan extension to allow the loan to be brought current and I resume making regular payments.

Business

Response:

PNC responded to Mr. [redacted] on April 7, 2015 and he considers the matter resolved. Thank you.

Review: I received notification from the IRS that my federal tax return was cashed at the PNC Brightwood location in [redacted] without my authorization. I don't have a bank account with PNC and I didn't sign my federal tax return. Is it PNC's bank policy to cash checks without signatures or authorization on checks with two payee's listed? Why did PNC allow my federal refund check to be deposited/cashed when I don't have access to my money? My check was stolen from me and put in your PNC bank, which blocked me from having access. This has caused devastation for me and my children and I plan to take this to court. The check is made payable to: [redacted]

I believe it was deposited on Aug 10, 2015 into [redacted]s personal banking account (ssn [redacted])

United States Treasury check #[redacted]

I called and spoke to a female branch manager who promised to contact me and never did.Desired Settlement: I would like my refund check amount to be reimbursed. I need to know if I need to file a complaint with the Small Claims Court?

Check Amount $4660.43

I can email you a copy of the check.

Business

Response:

PNC Bank, N.A. responded to Ms. [redacted] on September 9, 2015, and considers this matter addressed.

Consumer

Response:

Hello. I would be willing to close this case if PNC can scan me a copy of the back of the check to confirm my signature is not there. I just need to confirm my name was not forged.

Review: I checked my bank account balance on 12/25/2015 to find that I had 3 over draft fees in the amount of 36.00 each dated for the 28th of December. My account had 41 dollars and some change. The firstoverdraft fee put me at 5.51. The second overdraft fee put me at -30.49. The third overdraft fee put me at -66.49. My first complaint is that they post dated 3 overdraft fees.The second is PNC keeps saying it was how they posted but I'm looking at my statement and on 12/24 I had 41.51 and 3 overdraft fees. Seems wrong to me, I called the bank, and of course no one is able to help me.Desired Settlement: DesiredSettlementID: Refund

I would like the overdraft fees off my account.

Business

Response:

PNC Bank, N.A. responded to Ms. [redacted] on January 13, 2016 and considers this matter addressed. -DMB 1/13/16

Review: I opened a virtual wallet checking account in 2011. I never used the checking account and never had any money deposited into the account. At that time, there was an electronic debit hitting my account which caused the account to go into overdraft. Not sure what company tried to electronically debit funds from my account and PNC never called me or sent me a letter concerning this. There was no funds in the account and I never used the account but PNC is now saying that I owe $267 dollars for overdraft. I just called PNC bank and spoke to Carmen who refused to give me her last name but gave me a #[redacted]. She didn't have any information to give me but wanted me to make a payment. WHAT?? I asked for information concerning the amount that I owe, who took out the funds? when was those funds taken out? and most important was IT PAID BY PNC. If PNC did not pay that electronic debit HOW CAN I OWE THEM MONEY. How many people does PNC do this too? I tried to open an account with a credit union and was refused because of this!!I need HELP!Desired Settlement: I would like PNC to research their files and see what company, amount, date and IF IN FACT THOSE FUNDS WAS ACTUALLY PAID. IF NOT, then I want my records cleared so that I can open an account with a credit union

Business

Response:

PNC Bank, N.A. responded to Ms. [redacted] on September 4, 2015, and 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: PNC was that absolute worse bank I have ever banked for.They charged me 2 overdraft fees which turned out to be a mistake and to top it off I opened an account , Virtual wallet, online June 29th. After I created my online account I called the customer service line and asked them if I did the right thing to add the coupon code on my account. I explained the coupon code I had, which was the one for 1 time bill pay and 2 months to accumulate $500 through direct deposit. The rep told me I got the right one and I was on track. On August 29th I called back after making my $500 total in direct deposit within in 60 days. The rep said I did everything right and now only thing to do for my virtual wallet was to wait up to 60 days to get the $100. 10 days before reaching my 60 day mark, I called back to customer service to make sure I was going to receive it. The rep [redacted] then told me I had a Virtual Wallet SPEND account and that was the 1st time ever somebody told me I had that account instead of the Virtual Wallet account. She then said I had to get $2000 in direct deposit so I will not be getting my $100. I talked to a supervisor and she switched my account to a Virtual Wallet before the deadline but still that did not get me anywhere. I then went into the branch on [redacted] on October 17th and talked to [redacted] and told him my story he said he would put in a request and we went through my account. He said I should still be able to get it because I met all requirements for the virtual wallet now that I switched. He told me he would call me back to let me know the status October 20th or 22nd and I saw him write it in his notes. He never called back to follow up. Its been about 2 weeks so I called him and he said he did not remember me or my case until he pulled up my account to then read off to me the coupon code for the virtual wallet spend, which I am no longer in, and said his request was denied for the $100. I asked why he never followed up with me but he could not give an answer. The customer service was very poor and I still feel that I should have been awarded the $100. I am not happy with PNC, this is the 4th time contacting somebody. I need something done.Desired Settlement: I need the $100 I was originally suppose to get and I am contemplating about closing my account with no penalties

Business

Response:

Good morning,

I have resolved this issue directly with Ms. [redacted]

Thank you

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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: misleading ATM info a t branch ATM causes overdraft fees plus June 19th 2013, I went to the Local PNC branch located [redacted]. They were closed and have a drive un ATM. it says you can deposit a check right there. I followed the instructions and deposited a pnc check drawn from my mothers pnc account to my account. Today I drove there to cash to checks not drawn from PNC and they said they could not give me the cash due to my account being overdrawn. Yes, That's why I borrowed the money from my mother and today the 21st of june the money is not there. I understand if the check was not a pnc check. Te ATM reads you have access the next day. Im considering litigation. ###-###-####Desired Settlement: I am considering litigation, I will further look into 1. them holding money drawn from there accounts. 2.ATM is misleading. 3. they choose to pay bills you scheduled even if there is no funds which ties back into 1 and 2. Thank You

Business

Response:

We have responded to the customer by letter. Please close the complaint.

Thank you

[redacted]Assistant Vice President

Executive Client Relations

PNC Bank

600 Grant Street

Pittsburgh, Pa 15219

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

Review: I deposited our check from [redacted] (which is part of PNC) on Monday at the ATM. Pnc deposited the check then took it out. They told me on the customer service line at 7 am 3/3 ([redacted] you can not deposit a check with two names at the atm. He said to call at 8 am, of course no one was there. He said they could pull the check from the atm, no problem. The manager at the bank told me the check was digitized and no longer valid(this is their own check) they would not honor it until it was sent back to the bank. They are using their express service which is longer than US Mail, I refuse to pay for overdrafts that this will cause. I do not think PNC went to any length to honor their own check!Desired Settlement: Refund of any overdrafts caused by their lack of information and compensation for their poor service.

Business

Response:

Dear Ms. [redacted]PNC reached out to our customer to resolve the issue with her directly. If you have additional questions, please contact me at ###-###-####.Thank you,[redacted]

Review: On July 17, 2015 I received two overdraft fees and on July 20th a 3rd fee was assessed. I contacted PNC online services for assistance and received a response that stated they have extended a courtesy fee waiver in the past and since this was not a bank error an additional courtesy is not available. I placed a call to the customer service phone number and asked for assistance with the matter. The Customer Service rep on the phone explained to me that his records show in the system slightly different than mine in the online portal. I explained to him the way the system shows the transactions in the online portal, I had one transaction that should have been charged an overdraft fee however I was charged 3. I had no problem paying for the one transaction and corresponding fee but my records did not indicate why I was reasonably charged 3 fees for 1 transaction. He also explained there was a $7.00 fee was assessed because the account was overdrawn for 3-4 days and I will continue to receive this fee each day until the account is brought back into positive standing. I asked the representative what options do I have available and asked to close my account to avoid any further deficit. I was then told this could not be done until the the funds were received to resolve my account. I explained to him a daily fee of $7.00 in addition to the current deficiency was concerning and I did not want to continue to accrue fees since I knew I was to get paid on Friday. No resolve was reached from my email or follow up phone call and it is unfair for my records to indicate something different than the customer service representatives have access to. I would have no issue paying any additional fees if my account indicated I had more than one transaction that warranted these fees.Desired Settlement: I would like a refund of the 2 additional fees on my account $36.00 x 2 = $72.00 along with the daily charge of $7.00 that will total $28.00. Total amount $100.00. I can provide my printed records of my account to show how the transaction breakdown I was reviewing did not indicate more than one transaction occurred in the negative status of my account.

Business

Response:

July 29, 2015PNC Bank, N.A. responded to [redacted] on July 28, 2015, and considers this matter addressed.Thank you,[redacted]PNC 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 deposited a paycheck that ended up bouncing due to a mistake on my employer's part without my knowledge. Without any notification from PNC bank, my account was frozen. It has been frozen for over a week now with no explanation. I went in to a local branch and they called corporate PNC, and still no explanation was given and my account was still frozen. I tried to explain how important it was that I was able to access my money asap as I was trying to close a deal on an apartment that weekend. I was given a number to call, which I plan to do this morning: [redacted]. However, let me repeat that my account has been frozen for a week now and I have had zero access to any of my money for a week now, without any proper explanation.Desired Settlement: I would like my account to be "unfrozen", for the latest checks I deposited to be immediately available to me (I deposited them several days ago) and any related fees from having had it frozen to be removed.

Business

Response:

PNC responded directly to [redacted] on January 9, 2016, 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.

Regards,

[redacted]A PNC representative did contact me. But she didn't answer my very basic questions. I was told by various PNC representatives that the hold on my account would only be for 24 hours to resolve the issue, but my account was frozen for clear over a solid week of business days. The PNC rep that I spoke with mailed me many many many pages of PNC rules and regulations to back up their actions, however, because of there being so many pages, many of which were not relevant AT ALL to my situation, I had a very hard time sorting through them to make sense of anything that was supposed to back up PNC's decision to freeze my account for over 7 business days. At this point, I feel like the safest option is to switch my money to a different bank because I cannot afford for PNC to randomly freeze my account again without explanation. I feel more dissatisfied with PNC as a business now than even while my account was frozen due to the representative belittling what their neglegence and inefficiency cost me.

Review: I opened a Free Checking account at PNC around 2007/8 to establish a local bank. I maintained my primary checking and savings at another institution that was internet based as it had served me well while I was in the military. Over time, I used this account less and less but I still maintained $200 in the account - as it was a free checking account with no minimum I saw no reason to close the account. The checking account was inactive and PNC stopped sending statements sometime last year. As there was no activity on this account and I was busy with work I didn't think much of it - there had been no deposits or withdrawals and was a free account so I saw no reason to aggressively pursue having the statements resume. I was still receiving mortgage statements from PNC - so my contact information was up to date. When I went to close out the account two weeks ago it was $84 less than all of my previous statements reported. When I inquired about this the assistant branch manager stated that the account had been transitioned to standard checking last July and was being charged a $7 fee each month. I proceeded to close out the account and filed a formal complaint with the manager who stated PNC would call me to discuss. Its been more than a week and I have received no phone call or been contacted about this complaint. I think changing an account from free checking to fee based without notification of the change is criminal. As I did not authorize the deduction of this fee when establishing the account, I consider this theft. I believe PNC also stopped sending me statements when they starting charging me for this account as a way to conceal the fees.Desired Settlement: I would like to be refunded the $84 that was deducted from my account over the last year without my knowledge.

Business

Response:

July 21, 2015Dear Ms. [redacted],PNC Bank, N.A. responded to Ms. [redacted] on July 21, 2015, and considers this matter addressed.Sincerely,[redacted]Executive Client Relations Officer

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 contacted PNC customer service on 6/28/14 3 times due to a overdraft fee of $36 that was charged to my account the previous day. The first two calls resulted in a hangup from the customer service reps and on the 3rd call I was told by a representative that my direct deposit went into my account at midnight along with a transaction that went through at midnight as well. My direct deposit was more than enough to cover the transaction that posted at the exact time. The rep then told me that he would see if the fee could be removed. After holing for nearly 20 minutes he then tell me that he has to ask his manager for an override and then after holding I was then told that the fee could not be removed. I do not understand why I was charged the fee if my direct deposit was deposited into my account at midnight along with the transaction. I have been a loyal customer of this bank since I opened my first account with this bank back when they were National City Bank and I do not like their customer service it is horrible. This bank does not value customer relationships they treat everyone as just another person there is no value in their service. I am not a rich customer by any means but I have been a loyal customer and I deserved compassion and respect during my multiple phone calls to customer service.Desired Settlement: I would like a refund of the overdraft fee of $36 that was charged to my account on 6/28/14.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on July 01, 2014. We have evaluated the information and mailed the response to client. 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

Consumer

Response:

PNC Bank has my written permission to discuss and release information to the Revdex.com regarding my account and why I was charged a fee of $35.00.

Regards,

Consumer

Response:

My privacy release form is signed and attached to this email.

Review: Through the course of business on 1/30/2015 my business checking account had various transactions,The balance on the account started with over $1,113 in the account. By the close of business, there was over $4700 in the account. This was all on Friday, 1/30/2015. On Saturday, 1/31/2015, the was a $36 OVERDRAFT charge dated 2/2/2015.....since when do banks get POST DATE unwarranted overdrafts? I was personally at the branch on 1/30 to make a deposit and to secure an additional Debit card for my wife. They never mentioned the account being overdrawn. This is the second time they have done this, fortunately, the have credited back the charge after I threatened to leave the bank, which I am doing anyway. I had called into their service department where I was lectured about having to be aware of bank policies and how they won't do this "courtesy refund" again.Desired Settlement: My understanding is that its against the law for banks to charge these types of fees on a posted dated basis. By their own records, my account was never overdrawn but they claim had I not made a deposit that day, it would have been overdrawn so they get to assess the overdraft fee??? That makes no sense.

Business

Response:

To Whom It May Concern:We have not received a signed authorization from our customer to discuss this matter with a third party. PNC Bank has addressed this concern in writing with our customer as of March 4, 2015.GPS 3/4/2015

Review: Review: Lack of properly notating accounts and the lack of transparency when it comes to fees.Early July 2014 I noticed a charge of insufficient fee for attempting to make a payment (06/2014) to my [redacted] credit card from my [redacted] account. I immediately contacted PNC and informed them I DID NOT make a payment and further more the money was in my [redacted] account if I had done so. I also contacted [redacted]) to confirm what I had expressed to PNC and they stated they would gladly speak to PNC on my behalf. I also informed PNC this and offered to provide them a copy of my [redacted] statement proving the funds was there and it may have been some type of computer glitch or something. I was credited the fee and assumed the agent properly notated my account to show it was not my fault. In November 2014 I received an overdraft fee. I immediately notified PNC and inquired why I accrued an overdraft fee of $36.00 when my account is connected to my PNC CC for overdraft protection. The agent could not answer how my two accounts were disconnected but she could clearly see that I was enrolled in overdraft protection since September 2013 and I never cancelled it. She had a difficult time refunding fee; the incident that occurred in July 2014 was never investigated like I was told it was going to be and acct was not notated. So I spent an hour on the phone explaining in order to receive $36.00 refund. Then in June 2015 I made some charges via online. That night after 10pm but before 1200am I deposited cash funds in my account via the ATM. Just recently the ATMs have been accepting cash deposits & I have been told by several different agents that cash deposits show up immediately; I have NEVER been told deposits and/or transfers made after 10pm will be effective the next business day nor are there any signage around the ATM I used which states so. However based on my "history" of banking problems the bank would not process the refund. I have cancelled my account since this last issue.Desired Settlement: I would like to be refunded the $72.00 of overdraft fees that were assessed in June 2015 since the business failed to properly notify their customers of the stipulations regarding cash deposits. I have taken pictures of the ATM which I used to prove there is not any signage informing their customers of this 10pm cut-off for cash deposits. I have attempted to attach ATM pictures and Statements from 05/2014 - 07/2014 but was unsuccessful. Able to immediately produce upon request.

Business

Response:

August 4, 2015PNC Bank, N.A. responded to [redacted] on August 4, 2015, and considers this matter addressed.Thank you,[redacted]PNC Bank

Consumer

Response:

They stated they responded to me on August 4th, 2015. I have not received anything from them and the message I read states they consider the case closed because they responded to me. I do not understand how they have responded or in what manner. I do not have an email, postal mail nor have I received a phone call from them recently. The last communication we had was a few days after I submitted my complaint and I told them Revdex.com was handling it and that I did not wish to speak to anyone from the PNC Group unless it was via email. And I sent the message to an Aaron [redacted] via email.

Regards,

Business

Response:

The customer requested no contact by telephone from PNC. On August 4, 2015 our response was sent to the customer.

Thank you [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The response I received from PNC is not accepted due to the fact I am entitled a $72.00 courtsey refund for overdraft fees occurring in June 2015 which led me to close out my account. PNC BANK sent me a package of bank statements as their response. I feel since I declined to speak to them after I made my formal complaint with Revdex.com they delcined to appropriately investigate the issues and act accordingly. I recently located the dispute I sent to PNC in October 2014 in regards to the July 2014 incident which clearly shows it was some type of bank error because the funds were there, so the refund was legit not a courtesy. In October it was discovered that my overdraft protection had been cancelled, which I did not cancel. The rep I spoke to at the time was Lindsay M[redacted] I believe and she stated that according to thier system I did not cancel my overdraft protection and had been enrolled since Sept. 2013. She was unsure why the system had cancelled so she refunded the overdraft fee which was not a courtesy but a legit reimbursement for a bank error, again. I have attached copies of the fax I sent to PNC in October 2014. I also attached copies of the statement cover pages for Oct - Dec 2014 which reads that I did not have overdraft protection but if the recording from that call is played back the rep clearly states that I did not cancel (according to Aaron B[redacted], PNC Rep, all calls are recorded). So again I am asking for a reimbursement of $72.00, if not for the lack of communcation by not appropriately notifying customers of the cash deposit cut-off time but for the fact I have not received a courtesy reimbursement in a year, which is PNC's regular practice. In addition, one of the $36.00 fees was for a $3.96 transaction which means I ultimately payed $40.00 for a $4.00 item. If PNC does not wish to reimburse, the complaint will remain unresolved and hopefully stay on their record. Attached are copies of my July 2014 dispute, copies of bank statements' cover page and the ATM pictures which demonstrates there is not any signage relating to deposit cut-off times. Best Regards,

Review: I went into PNC Bank downtown [redacted] and closed my account while it was in good standing. Recently I went into a bank and PNC has told them that I have a 290.00 charge off when that isn't true. Mr. [redacted] is the one that use to work with me on my account in 2012. He is no longer reachable and the bank had told everything was ok in 2012. The bank never paid any checks out for me while I had an account with PNC. Thank youDesired Settlement: I wish that PNC would clear my name and tell the truth that when I closed the account at PNC it was in a positive standing. There is no way you can close a account and owe money on your checking account anyway. Thank you!

Business

Response:

There is no signed release on file. PNC resolved directly with customer.

Review: There is an option on their hand held terminal that allows you to force a transaction. This option can be used and any number can be put in as verification when no verification of the transaction was actually received. They know that this is a flaw with their system and yet it has not been fixed nor disabled. Nor have their customers been notified as to this problem. Therefore, this action can be performed and when no funds are received from the purchasing customer, they take the funds from the merchant.

Product_Or_Service: PNC Merchant Services

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like all funds refunded along with the late fees that were accrued due to their removing the funds from my account resulting in overdraft fees. And that this option to force a transaction be removed from their terminals.

Business

Response:

8-6-15 - [redacted] - PNC responded directly to client

Review: I am writing for complaining the overdraft problem. A few years ago, when we open the check account, we were been told there was no overdraft problem. And this card can not be drawn money or purchase when it does not have enough money. At that time, the client confirmed this with us. It can not be used as credit card. At that time, the bank staff confirmed it with us. But recently it was overdrawn on May 17th. So it turns out that this card can be used as credit card. However the bank did not notify us. The bank then started to charge us with overdraft item fees and continuous overdraft fees. Finally I got the mail telling us about the overdraft. But it already was 4 days after the bank charged us with continuous overdraft fees. Usually it will take 4 or 5 days for regular mail from post office to our apartment. I returned the money immediately after I received the mail about the overdraft. After I talked with manager 3 times, he waived these overdraft fees. But we are still charged with the daily fees for not returning the money on time. I do not think this is my fault. Firstly, the bank staff did not tell us clearly when we opened the account. It is confused that this card can be used as credit card under some condition, but most of time it can not. Even when the overdraft happened the second time, the bank did not suspend the payment and notify us. Secondly we returned the overdrawn money right after I received the mail without any delay. And this is the first time of overdraft for us. Last but not the least, we should pay for the travel time of mail. The bank should inform us by phone or email when overdraft happened. Actually when I talked with bank staffs about this overdraft, they promised every time they would call me after they took a look of my account. Till today, I never received a call from them. Further there is no overdraft fees now, how the continuous overdraft fees happen. In order to keep my account open, I already pay those fees.Desired Settlement: I require to return my payment for continuous overdraft fees.

Business

Response:

I spoke with [redacted] and refunded the four fees that he requested.

Review: Unable to get refund of Security Deposit on Secure Credit Card closed with no balances due.All Balances Paid on card held for two years with no late payments.Bank states it requires 75 days to mail a check.Will not deposit funds to other accounts held in good standing by customer within its Bank.Extreme unrealistic time span.No other Banks take that long to refund security.Please Help!!!!!!!!!!!!!! Product_Or_Service: secured credit card Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund Return of Funds in a more realistic time span.Other Banks can do so in less than 10 days.Excuses of statement cycles not logical.21st century online banking methods are being ridiculed by such outlandishness.

Business

Response:

The customer filed a regulatory complaint and we are responding to the customer through the regulatory agency.

Consumer

Response: