PNC Financial Services Group, Inc.

Review: I opened up My New Account at a branch with a coupon to Recieve $150 with Direct Deposit & one Bill Pay. I was told after 3 months I would be credited on my account. Finally I remembered that I never got my coupon offer I called. I called several times. I finally Got some one in the complaint department and now its been 3 weeks since I fist spoke to them. I would like to receive my $150 promotion. I am to the point were I am going to close my account, bad business.Desired Settlement: $ 150.00

Business

Response:

6-12-2014 [redacted] is in contact with the customer to resolve the issue. No Authorization on file.

Review: I had something unexpected come out of my checking account which caused an overdraft. I accept responsibility for that. I went to PNC Monday 9/22 in [redacted], FL and deposited $470 to cover the $107 overdraft. The representative offered me overdraft protection and had me meet with the branch manager. We spoke for sometime and she said she was completing an application for a line of credit. At no time did anyone tell me the money would not be available for 24 hours. This morning 9/23 I get an overdraft email. Imagine my surprise that I am now getting $144 in additional fees after I put $470 in. I called cust svc and basically was told too bad so sad. I called the branch mgr and was told that the money was not available yesterday. I asked why she never said anything after she heard about the error of my ways and she apologized but again too bad so sad. I then went to my branch and showed them some papers that the [redacted] manager gave me explaining she put in an app for a line of credit. The rep at [redacted] told me that it was not a line of credit that she applied for a credit card for me. I told them yesterday I had bad credit and cannot get credit cards but they did it any way. Not only was I deceived but I also had a credit application put in for a credit card that I did not ask for or want.Desired Settlement: I want all of my overdraft fees back and then I want to close my account

Business

Response:

PNC is working directly with the customer regarding this matter.

Review: In April 2013 my account had many fraudulent transactions on it for some international companies I had never heard of totally around $1,700 plus NSF fees. I disputed these, and per the account agreement, I was issues a provisional credit while the investigation proceeded. I also opened a new account, and requested the old account be closed.PNC issues a debit card for the new account, but failed to set it up with my new checking account, so after many hours on the phone, they escalated me to a woman who said she would fix this and call me back. She never did. Eventually I got ahold of someone else who claimed they fixed it. However, they linked the new card to the old account, which they failed to close. When I made an ATM withdrawal, it took the account negative and incurred fees. Many of them. Around the same time, I woke up one morning and saw a debit for almost $800 with no explanation. Another few hours on the phone and one rep said this was due to "part of the fraud claim being dismissed". So...most of it was fraud but some wasn't?? That makes no sense. A few days later, a letter came in the mail (late) letting me know I would have the money deducted from my account, but I could call and dispute and request an explanation and documents.The number was clearly some third party, as all I got was a pre-recorded message telling me to leave a message with my name and the bank I am with and they will call me back. They never returned any of my 3 calls. I spoke to someone else regarding the old account, which was still open and still negative, and they said they saw the issue and would get the funds reversed and the account closed. I am now sitting in the PNC bank lobby. They are holding my entire $1,689 payday deposit, and saying I can't have access to any of it until Tuesday at the earliest. I was supposed to leave on vacation 1 hour ago, and don't even have the gas money to get there...let alone my prescriptions I desperately need. They could not care less.Desired Settlement: At this moment I am being deprived of my direct deposit, which I need. This is my means to being able to take a vacation I desperately need. This is also my means to obtain my prescription medication I need for my health, not to mention my means of paying for food and other expenses. This is undue mental cruelty that I am enduring, and even the managers here have agreed that none of this is my fault, but refuse to do anything. I feel like I'm having a breakdown. I just want my paycheck.

Business

Response:

The issue has been resolved. Please close the complaint for #[redacted].

Thank you

Assistant Vice President

Executive Client Relations

PNC Bank

600 Grant Street

Review: On Dec. 23, 2015, I found out that someone stole $1999 out of my checking account which I called and was told that someone from fraud would call me about this within in 1 to 2 business days which never happened. The next week I went to the branch at [redacted] to pull out most of my money because no one has contacted me and I was afraid that all my money would be stolen. He told me at the branch it usually takes 2 weeks but someone should contact me within 1 to 2 business days, still no contact. I waited 15 days and still no money in my account and still no phone calls. I've been on the phone with 4 reps and over an 1hr and half with no update or getting my $1999 back in my account.Desired Settlement: This has been the worst customer service I have had to deal with. I have spent over 3 hrs dealing with trying to get my money back into my account. I want my $1999 back into my account in the 2 weeks that all these reps have been telling me. I saw on Channel 6 on your side that another person had problems trying to get his money back from PNC so he got 6 on your side and he finally got his money maybe this will be my next option since no one at PNC cares that I lost $1999 which is a lot of money for me but not for PNC. I've been a customer for over 20 yrs from National City to PNC but this is how you want to treat your customers?

Business

Response:

PNC Bank, N.A. responded to [redacted] on January 13, 2016 and considers this matter addressed.

Review: This bank continually manipulates accounts so that they can charge overdraft fees. Then you have to waste time navigating through their purposely complicated phone system to finally get to a live person to only be transferred to someone else. I believe their objective is that you will just give up and accept the overdraft charges.

Several times now I've had to go through this because they applied overdraft charges erroneously. They have paid bills days before the dates I set up in the bill payment program. Then when the money isn't there to clear the payment they charge overdraft fees. Then I have to call and waste a lot of time trying to get them to correct their error.Desired Settlement: I've already wasted time this morning trying to get the latest fee removed. Hopefully I don't have to call again. If there is some complaint system you have in place for this business, I want it noted that they are a lousy bank and regular people should not bother to open accounts there. There are other complaints I have with this bank. They hold deposits extremely long before you have access to your money. Direct payments that come from retirement accounts are held up. I have 2 payments from the same payee we receive monthly for retirement that go into PNC Bank and another bank. It is routinely received into my account 3 and 4 days in my other bank before PNC posts it to my account there.

Business

Response:

Good Afternoon, PNC Bank, N.A. responded to Ms. [redacted] on January 19, 2016 and considers this matter addressed ThanksLauren R[redacted]Executive Client Relations

Review: I opened a virtual wallet account with PNC about five months ago, I saw a promo that if you opened an account you would get a $150 credit added to your account with a direct deposit and bill pay transaction. While in the branch they had an issue opening the account with the $150 promo. I was told I would get a call in 1 days to figure out what to do. Never got a call back.I contacted them was told that I need to open account online.I was told I had to do a bill pay transaction and have a direct deposit which I did.About a month after opening the account I inquired on a number of occasions and was advised that I should be expecting the credit and that all requirements have been fulfilled. Two months in I went to the branch to have a document notarized and again inquired about the credit and the branch rep looked up the account and again said the same thing that sometimes it take time for the credit. Ok so the third, fourth month in I call customer service and they put in an inquiry about the promo. About three days later now I am being told I did not meet the requirements. I was advised that my deposit needed to be for at least $2,000 which would not have been an issue I could have had my husbands direct deposit added also to exceed the 2,000 requirement. Had I been told I would have been able to meet that requirement had I not just been brushed off from the time of initial. contact regarding this matter. Now the time has expired and I no longer qualify for the promo. It seems a bit like a scam if you ask me. So today January 7, 2014 I finally get around to closing this account. I call customer service to do so. The rep asked why I wanted to close and I advised that the customer service received have not be satisfactory. So he says he will close the account and then proceeded to tell me that I will be charged a $25 closing fee since the account has not been open 6 months or more. Even now I am continuing to receive bad service from this company.Desired Settlement: Even if I was to take responsibility of not meeting the requirements to receive the promo had I not been advised that all requirements have been met I though I done all I needed to do. Had I been told initially I would have still had enough time to meet the requirement. Since I was notified after the time frame allowed has passed now I am being told I didn't meet the requirements. This seems very fishy to me if I must say so myself. At this point I feel the promo still should have been granted

Business

Response:

This letter is written in response to your correspondence regarding[redacted]. PNC Bank contacted Ms. [redacted] directly on January 24, 2014 and addressed the concerns expressed in Revdex.com Case # [redacted]. The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.

Review: My husband [redacted] and I bought a certificate of deposit about 13 yrs ago. When It matured we re-wrote it for about another 10 years.However I cannot find it. I've tried the local banks but they have no record and I can't seem to contact the main office. Origonally it was for $10,000 dollars.I am really upset to not be able to contact them. Since than my husband has passed. Anything you can do?Desired Settlement: I want some answers. They treat me like an it in the banks. I deserve better than that. My mind is good.

Business

Response:

no authorization on file. [redacted] is researching the issue.

9-29-2014

Review: I have a joint account with my husband that I've had for about 4 years. My son started working when he was 15 years old and when he was about 17 he wanted to start his own bank account. We went to PNC. They said since he was under age, it was required that my name be listed on his account. This was almost two years ago. So last month my husband was laid off and he had a debt that automatically was automatic withdrawal and we called that company to stop payment for the time being until he gets working again. We took a trip to [redacted] to see our daughter graduate from the [redacted] and when we returned, the company had charged even though they said they wouldn't, and the account was overdrawn. We were now overdrawn $70 for a 20$ bill. Approximately a week ago my husband called and spoke to someone at the bank and they said they would see if they could help us out with some of the overdraft fees and they wouldn't let any more automatic withdraws go through. Last night my son said his money was all gone. This bank took his money!!! So because my son worked underage and HAD to be out in account with me, they say they had authorization to go and take his money. They know my husband has already set up direct deposit for the new job he started and that they would get their money. They still went and took my kids money!! No class! No care!! They didn't help refund overdraft fees and now stole money from my now 18 year old son. I'm going in tomorrow to close both accounts!Desired Settlement: That they help us with some of the overdraft fees as we did not know we were overdrawn as our daughter is graduating to serve this country, and thought we had made arrangements to cover this as soon as money is driest deposited in to the account. And for them to give my son back his money.

Business

Response:

PNC Bank, N.A. responded to Ms. [redacted] on 8/13/15, 8/18/15, and 9/02/15, and considers this matter addressed.

Consumer

Response:

Review: On 12-31-13, a field operation came to my door from PNC mortgage and gave my son a note to call National City mortgage and there was only a 1-800 number on the note. I call the number and the customer rep was rude and gave poor customer service. I asked why would a field operator come to my house and give this information to my son and I only owe my December payment. She could not address my issue. I ask to spoke with a manager and she stated let me see if one is available and come back and just transferred me to an voice mail box in which was a manager [redacted]. I call back and spoke with another rep and explained that I do not discuss my finances with my children as children should be children and not worry about bills. And I just wanted to know why was someone sent to my home and I am only due for December 2013. He stated that it could have been an error. I asked to spoke to a manager and was put on hold. The manager was also rude, [redacted] and gave poor customer. After calling back four times I was not given an explanation as to why this happen and the manager [redacted] spoke in a frustrating manner and gave me incorrect information. A weak person could have wanted to end their life if they had others issues in life. Customer Service is important and what happen to me close to two hours on the phone is unacceptable.Desired Settlement: I would like the customer service department to listen to all the recorded calls, therefore, they can witness the poor customer service I received on today and given information that reflect the truth as to why a field operation handed this important information to my son and I am only due for my December 2013 mortgage payment. And I also call last week and made a payment and the rep stated that I would be fine. I also would like a letter of apo

Business

Response:

This letter is confirmation that PNC Mortgage, a division of PNC Bank, National

Association sent a response to the borrower regarding the referenced complaint.

Thank you for contacting PNC Mortgage.

Sincerely,

Mortgage Escalations Group

Review: On 7/17 my wife and I went to the PNC Bank ( [redacted] to close four accounts. We were met by a Mr. [redacted]. I gave Mr. [redacted] the four statements ending 6/18. These were liquid accounts , not cd's. The total amount of funds we were taking out was aprox. $542 thousand dollars. He promptly processed the four checks and gave them to us. When We looked at them it was apparent that the amount did not include the accrued interest from 6/18 to 7/17. The accrued interest for that period is about $400.00. When I questioned him on this he stated that it was PNC policy. If we would have closed the accounts one day later we would have received the accrued interest. I asked him to reverse the process and we would come back tomorrow. He said he could not do that. I asked to speak with the Branch Manager Mr. Steve [redacted]. Mr. [redacted] went to his office and informed us that he would not speak with us. The accounts were originally opened in March of 2015 by Mr. Phillip [redacted].Desired Settlement: DesiredSettlementID: Refund

Refund the accrued interest for the period of 6/18 to 7/17. We should have been informed by Mr. [redacted] that one day was going to cost us this money. We certainly would have come back if we were informed.

Business

Response:

PNC Bank, N.A. responded to Mr [redacted] on 7-29-2015 and considers this matter addressed

Consumer

Response:

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

Review: PNC Bank of State College is holding a lien against my home for a loan which for which we don't owe a cent. They strictly forgot to "satisfy the loan" on record (back in 1996), and now I am unable to go forward with a Home Equity Line of Credit with [redacted] out of Loretto, PA. I have contacted them several times and my rep at [redacted] has done the same. They claim there is nothing they can do, regardless of the complete and total information I have given them to research the loan. They admit there is nothing owed and it is a mistake on their part, but absolutely nothing has been done to "satisfy" the loan and it has been almost a month in dealing with this. At least 3 different PNC bank reps have spoken to me and to my [redacted] rep. My time frame for the special interest rate for[redacted] has run out due to PNC's failure to complete the loan both back in 1996 and now. Please Help!!!! My loan number from October 1996 (which was a mortgage for $40,000 which was then sold to [redacted] and paid off in full) is [redacted] completed on October 31, 1996. Thank you.Desired Settlement: I need PNC to file the proper paperwork and pay the money to have my loan "satisfied" and all liens removed. Immediately, if possible.

Business

Response:

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

Please be advised PNC has completed our review of Ms. [redacted]’s concern. Ms. [redacted] was provided a written response, dated August 26, 2013, which was sent to her 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).

Sincerely,

[redacted] Assistant Vice President Executive Client Relations

Review: Three months ago I attempted to refinance my home with PNC. PNC has been my bank for several years. I do all of my personal banking with them and my company banks with them as well. PNC refused my refinance request due to conforming loan requirements that now incorporate projected future students loan repayments that cosigned for my kids who are still in school and their loans are deferred for atleast another 3 years. Despite my frustration, I moved on and was approved by my primary lender, [redacted], for a HARP loan. PNC is refusing to sign off on a subordination agreement with [redacted] for PNC to remain the the same lien position. This is a unfair business practice that makes no sense whatsoever and is causing me significant financial injury. The subordination agreement is is mute if PNC signs it; nothing changes. If PNC remains unwilling to sign it and I cannot refinance then nothing changes for PNC either, except that I cannot lower my monthly primary mortgage payments. There are no other issues surrounding this other than this is PNC's policy to not be subordinated into last position. I think that is all well and good if you are accepting or rejecting new loan applications. This decision, I reiterate, does not improve PNC's position. I feel like the bank is acting in bad faith and attesting to a loan that was approved by them almost seven years ago and is in good standing being re-payed.Desired Settlement: I would like the subordination agreement executed immediatelyorI would like PNC to refiance the the entire loan packageorI would like PNC to pay me the difference of what I will lose in saving over the life of the loan ($1,500 month for 30 years)

Business

Response:

In response to Revdex.com Case# [redacted] filed by Mr. [redacted], PNC Bank mailed a written response directly to Mr. [redacted]. PNC Bank considers this issue resolved.

Sincerely,

Executive Client Relations

Review: PNC Bank is assessing overdraft fees on pending transactions and again when the transaction clears. They are holding cash deposits until something overdrafts the account and then assessing overdraft fees and after depositing the cash that should have been immediately deposited.Desired Settlement: I would like at least two of the overdrafts taken out refunded to my account. I would like to close my account without additional fees.

Business

Response:

PNC Bank, N.A. responded to [redacted] on December 28, 2015, and considers this matter addressed

Review: I closed my PNC checking account (xxxxxx[redacted]) one year ago, but still have not received the check of the remaining balance ($51).Desired Settlement: Please send me the the check of the remaining balance ($51).

Business

Response:

Whom It May Concern, PNC spoke to [redacted] on June 12, 2015 to address his concerns and consider this matter addressed. Should you have any further questions, please feel free to contact me at [redacted].Sincerely, [redacted]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 was withdrawing money from a PNC bank with my USAA debit card. On the receipt of my withdrawal- the following advertisement was placed:* You may earn a $300 reward if you open a new Virtual Wallet with Performance Select. You will only be considered for one reward amount, which is based on the product type you open.To qualify for the reward, the new checking account must be opened online via the "Apply Now" links on this web page OR at a branch using the appropriate coupon.I then walked straight into the branch and opened the Virtual wallet performance select. I understand the high fees, direct deposit and online bill pay requirements. I paid several online bills to [redacted] credit card, to my [redacted] credit card and to other entities. To meet the high direct deposit limit I rerouted my Federal employee salary from [redacted] into PNC, After I met all these requirements, waited the requisite 6 to 8 weeks to "earn" my 300 dollar bonus, I was denied. I went into the branch to voice my complaint located at [redacted], they suggested I did not meet the online bill payments, as I stated earlier this does not make sense, so I called the 800 number on my card. That customer service confirmed I did meet that requirement and that was not the central issue. AFter enormous effort to get things straighened out and several visits to the bank, I find it unfair and misleading to deny me my bonus promotion offer after I met the all the requirements. To make matters worse I signed up with [redacted] credit card, with a 50,000 bonus points promotion offer after I spend 750, needless to say I spend 750$ the 2ND day I received my card while on business travel and I still have not received that award either. I called to confirm and they keep saying they "escalated my complaint" this is unacceptable, as the bonus is overdue my 2 months I am starting to believe that there is an overall issue with rewarding promotion bonuses that are promised to the consumer and I am feeling misled by the advertising and upset byDesired Settlement: Award me my overdue promotion bonuses, for each account. I also am so unhappy with the customer service, very long wait times on the phone and inconsistent messages I receive. I am on the brink of ending both my banking and credit card relationships with PNC. As you can tell, I am diligent with my bill paying, have a stellar credit score and have multiple relationships with PNC products and I am unwilling to put up with bait and switch I feel like I received.

Business

Response:

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

Review: On the 28th of April, 2015 when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I first logged into my account via my [redacted] and to my surprise, discovered that there had been 10 unauthorized transactions (ATM withdrawals and POS) totaling $4776.00 that were carried out on my PNC bank checking account on the 27th day of April, 2015 in [redacted] State. Also I found out that there was an unauthorized transaction of $8.06 at a Wendy's store in [redacted] state carried out on the 26th of April, 2015.

I reported this immediately to PNC'S customer service representative (Name: [redacted]) who informed me that they had blocked my account to have me call the bank to verify if it was me that performed all the transactions the previous day. I told her clearly that I was not the one that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees (total $12:50) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number for the disputed claims.

I am a pharmacist and for sometime now, have been out of United States conducting a research on a novel drug combination for the treatment of ebola and other viral hemorrhagic fevers. In fact, I left the states in September to [redacted] where I stayed for 3 months then left to [redacted] where I stayed from mid-Dec, 2014 to mid-March, 2015 then back to [redacted] for an ongoing research. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone.

To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of $4776.00 for the 10 unauthorized transactions.

I then called back on the 11th of May, 2015 and spoke to another representative who then re-submitted the claims. Afterwards, on the 13th of May, 2015 my checking account was credited with only $8.06 for the transaction at Wendy's with a description of (FINAL DISPUTE CREDIT) meaning that the other unauthorized transactions totaling $4776.00 were denied. This got me totally annoyed. I then called severally to speak to a supervisor or manager but to no avail. I have been given a lot of run-arounds and phone hang-up during the calls. This is totally unacceptable in this present dispensation.Desired Settlement: A resolution of the case would be for PNC Bank to credit back all the 10 unauthorized transactions performed on 27th April, 2015 totaling $4776.00. That is, a full refund of $4776.00 to my checking account number [redacted] is required. In addition they should also credit all the ATM withdrawal and balance inquiry fees debited to the account in respect of these transactions. Also I need a letter of apology from PNC bank for all the run-arounds, phone hang-ups and the delay in providing the funds.

I would like the charges refunded or else legal action will be taken against PNC BANK for authorizing fraudulent transactions on my account. Thank you.

Business

Response:

June 1, 2015This customer's issue has been resolved to his satisfaction.Kind regards,[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: PNC BANK IS HOLDING 72 DOLLARS. MY SONS SCHOOL DECIDED TO TAKE OUT THREE PAYMENTS AT ONCE WHICH RESULTED IN AN OVER DRAFT FEE. IN STEAD OF THE BANK CALLING ME AND NOTIFYING ME OF THE POSSIBLE OVERDRAFT FEE THEY JUST OVER DRAFTED MY ACCOUNT AND NOTIFIED ME MORE THAN FOUR HOURS AFTER THE OVER DRAFT. MOST BANKS CALL PREVIOUS TO THE OVER DRAFT AND ALLOW YOU TO PUT THE MONEY INTO THE ACCOUNT. THIS BANK WAS EXTREMELY DECEPTIVE AND JUST OVER DRAFTED THE ACCOUNT WITHOUT ANY NOTIFICATION AND NOW IS REFUSING TO RE CREDIT MY ACCOUNT EVEN THOUGH THE MONEY WAS AVAILABLE WITHIN 24 HOURS AFTER THE TRANSACTION. ON TOP OF THAT PNC BANK IS FULL OF LIARS. THE FIRST GUY [redacted] FROM THEIR ESCALATION TEAM STATED THAT HE COULD SEE EXACTLY WHEN THE MONEY WAS TAKEN OUT OF THE ACCOUNT AND WHEN MY DIRECT DEPOSIT WENT THROUGH. THIS WAS COMPLETELY UNTRUE AS STATED BY [redacted] IN CUSTOMER SERVICE WHO CONFIRMED THAT IT IS NOT POSSIBLE FOR THEM TO SEE WHAT TIMES TRANSACTIONS OCCUR. THE OVERDRAFT FEE WAS FOR 72 DOLLARS WHICH WAS IN MY ACCOUNT LESS THEN 24 HOURS AFTER THE OVERDRAFT HAPPENED. THEY ARE DENYING TO REFUND MY MONEY BACK TO MY ACCOUNT. AS STATED IF THEY WOULD HAVE INFORMED ME OF THE POSSIBLE OVER DRAFT PRIOR TO IT HAPPENING WHICH ALL BANKS THAT I HAVE HAD PREVIOUSLY DO I WOULD HAVE PUT THE MONEY INTO MY ACCOUNT AND THE OVERDRAFT WOULDN'T HAVE HAPPENED. TO MY KNOWLEDGE THIS IS THE FIRST TIME I HAVE EVER HAD AN OVER DRAFT WITH THIS BANK IN WHICH IN THAT SITUATION ALL OTHER BANKS WOULD HAVE GIVEN ME THE BENEFIT OF THE DOUBT AND CREDITED THE MONEY BACK TO MY ACCOUNT. MOVING FORWARD I ADVISE EVERYONE TO BANK WITH SOMEONE ELSE. WHEN A MULTI MILLION DOLLAR CORPORATION IS THAT GREEDY OVER 72 DOLLARS SOMETHING IS WRONG. I HAVE HAD THIS SAME SITUATION HAPPEN WITH [redacted] AND OTHERS AND WAS IMMEDIATELY CREDITED THE MONEY BANK INTO MY ACCOUNT. AS STATED AT THE BEGINNING THIS WAS NOT MY FAULT AS MY SONS SCHOOL IS ONLY SUPPOSED TO PUT THROUGH ONE TRANSACTION A WEEK AND INSTEAD PUT THROUGH THREE WHICH CAUSED THE OVERDRAFT. I HAVE HAD THE DISCUSSION WITH MY SONS SCHOOL AND THEY ADVISED THAT WOULD NEVER HAPPEN AGAIN. THE BANK KEEPS BLAMING ME FOR THE MONEY NOT BEING IN THE ACCOUNT PRIOR TO THE TRANSACTION BUT AS STATED THE MONEY FOR THE ONE TRANSACTION WAS IN THE BANK THERE IS NOTHING I CAN DO ABOUT THE SCHOOL PUTTING IN THREE TRANSACTIONS AT ONCE. ALSO AS STATED MOST BANKS GIVE YOU AN OPTION TO PUT MONEY INTO YOUR ACCOUNT BEFORE AN OVER DRAFT HAPPENS PNC BANK JUST OVERDRAFTS THE ACCOUNT AND THEN NOTIFIES YOU HOURS AFTER THE FACT OF THE OVER DRAFT.Desired Settlement: MY DESIRED OUTCOMES ARE FOR [redacted] WITH THE ESCALATION TEAM TO BE REMOVED FROM HIS POSITION IMMEDIATELY DO TO DECEPTIVE BUSINESS PRACTICE. I WOULD LIKE [redacted] AND [redacted] WITH CUSTOMER SERVICE TO HAVE A LITTLE MORE TRAINING AS THEY HAD VERY LITTLE KNOWLEDGE OF MY ACCOUNT ESPECIALLY [redacted] WHO STATED I ONLY HAVE ONE ACCOUNT WHEN I CLEARLY HAVE THREE SEPARATE ACCOUNTS WITH THEIR BANK. I WOULD ALSO LIKE TO SEE SOMEONE WITH THE AUTHORITY TO CREDIT THE MONEY BACK INTO THE ACCOUNT ON THE CUSTOMER SERVICE TEAM. [redacted] AND [redacted] CALLED THEMSELVES MANAGERS BUT CLEARLY DIDN'T HAVE THE AUTHORITY TO CREDIT THE MONEY BACK TO MY ACCOUNT. EVEN IF THEY WOULD HAVE AGREED WITH MY COMPLAINT THEY REALLY COULDN'T DO ANYTHING ABOUT IT THAT IS UNACCEPTABLE. THERE SHOULD ALWAYS BE SOMEONE IN A DEPARTMENT THAT CAN COMPLETELY RECTIFY A SITUATION I STILL WOULD HAVE HAD TO GO THROUGH PROBABLY THREE OR FOUR MORE PEOPLE JUST TO GET THE MONEY CREDITED EVEN AFTER I WAS DONE WITH THEM. LAST I REALLY JUST WANT THE 72 DOLLAR OVERDRAFT CHARGE CREDITED BACK TO MY ACCOUNT.

Business

Response:

May 20, 2015Called customer, spoke with wife/co owner of account. Issue has been resolved.Case closed. **

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. Despite the fact that I spoke with 10 customer service represantives, and multiple members of the escalation team and it took me filing a complaint with the Revdex.com in order for them to admit their wrong doing. That is disgraceful, but yes thank you for helping me and getting the funds returned.

Review: The Assistant Manager helped me open an estate checking account. I placed the funds to be deposited on his desk. They consisted of 3 checks, a zip-lock bag of coins and small bills, and cash consisting of two $1,000 bills and one $100 bill. The total deposit was over $33,000. He took the money to the teller. It seemed to take an unusally long time. When he returned and handed me the deposit slip, I did not notice it was short $1,800 and simply put it in a folder provided me. I later discovered the error and contacted the bank. I called the Assistant Manager four times, leaving messages explaining the problem and asking him to call me. But he never returned my calls. This began a 4 month effort to resolve the problem and locate the missing funds. I gave the bank a signed affidavit from the person who had given me the decedent's money - verifying it was two $1,000 bills and one $100 bill. But the bank didn't think it was relevant. The bank's cameras could not see the denominations of the bills I had put on his desk. The deposit slip was blank - the coin, currency, check section had not been properly filled out by either him or the teller. The bank finally did their own internal investigation, but could find no evidence of the two $1,000 bills at the bank. So they mistakenly concluded I had never presented the two $1,000 bills for deposit and closed the case. I think someone substituted two $100 bills for the two $1,000 bills. Then all the bank's paper trail for the deposit makes sense, and explains why all the teller's drawers balanced that day and they could not locate the missing funds. I believe somebody in that branch knows what happened to those two $1,000 bills. Normally, I fill out the deposit slip and hand the teller the funds myself, checking the total afterwards. But because the assistant manager did those things this time, I did not check them. It was a costly lesson. I am submitting this complaint to alert others, so this doesn't happen to them.Desired Settlement: I would like the estate to be reimbursed the $1,800 missing from the opening deposit, and the funds rightly credited to the checking account. I have thorough documentation of my efforts over 4 months to resolve this - even working with the bank's Regional Manager - if the Revdex.com would like to see it. I am filing this complaint with the Revdex.com so that this experience will be on file as a public record, and in hopes it may help alert and protect others.

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.

[redacted] response said they did not have written authorization from me to respond to the Revdex.com. So I have now submitted that authorization form. In the 4 months of their investigation, PNC Bank has never given me a written response to any of my questions.

Regards,

Business

Response:

March 5, 2015Good afternoon, we have investigated the customer concerns and have determined no PNC Bank error occurred. We have communicated the results 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.

I am disappointed in the response from PNC Bank. It still sheds no light on resolving the missing $1,800. Still no written explanation responding to any of my questions like: Why did it take him so long to make the deposit? Where was he all that time? Why did he not fill in the coin, currency, check, and total of a nearly $34,000 deposit? Why was one of the checks imaged twice - throwing off the total deposit even further? Why did he never return any of my four phone calls once I identified a problem? Why can they not explain why both the employee and the bank manager kept PNC's own escalation manager on hold for 15 minutes and then BOTH of their phone lines conveniently go dead? And when she called another time the assistant manager said "hello, hello", as if he couldn't hear her? So in the end, I still have never received a written explanation to any of these problems. And no explanation for why not all the cash made it from his desk to the teller and in to the deposit. Someone at that bank knows what happened to the missing money. It is sad that this kind of dishonesty is allowed to go on in our banks. I submit my experience as a warning to others. I was opening a new account, but never again will I trust an assistant branch manager to take money to the teller for deposit. I had no idea he wouldn't be trustworthy. I'll be more careful now. I hope sharing my experience will help to protect others. I have put forth, in good faith, a four and half month effort to get this problem resolved. It is ashame banks get away with this kind of deceitful behavior today.

Regards,

Review: I have banked with PNC for a long time as has may family. Without telling me, they placed a hold on my card and I was unable to do my Black Friday shopping. I was embarrassed and humiliated. And I missed a fun and money saving day. Had I been notified it might have been different. This is not the first time PNC has done this to me. There is nothing questionable on my account.

When I have called customer service all I have gotten is rude, belligerent employees. They usually give me false information, and today the representative just said, "yes, take your money out." She also would not forward me to a supervisor and just kept saying the same sentence over and over. It was beyond rude. That is my experience with customer service most don't know what they are even talking about. I had to call a local branch to get them to fix the issue.

I had a previous issue last week and someone called to investigate it, from PNC. All they ever say is, "We are so sorry." I no longer want sorry, I want some sort of attempt to make it right with me. I missed tons of sales. It is inexcusable to do this to your customers. And then to be treated as I have been is abhorrent. My Father has a rather large sum of money in PNC, and the local branch knows him well. He in fact is always wined and dined by PNC at holidays, that is how much he has in the bank. He is willing to pull his funds if I do. We are so disappointed in PNC. I don't want to hear...I am sorry...I want them to do something for me. I also want them to assure me that this kind of thing will stop.Desired Settlement: I think that PNC owes me a written apology. I also think that they owe me compensation for the time and sales I missed. I am sorry is not going to be satisfactory. I am thinking of a lawsuit if this isn't rectified to my satisfaction. I LOST money yesterday. Not to mention my time and peace of mind.

Business

Response:

12-4-15PNC Bank, N.A. responded to [redacted] on 12-4-15,

and considers this matter addressed.Thank you,RM

Review: Here is my message to PNC. They refused to waive the fees stating that they have given courtesy waivers in the past when they have used the same unfair practices to generate bogus overdraft fees.I would be happy to send any proof you need.I am going to close my account with PNC but I want all fees as requested refunded. Thank you.OverdraftFee07/04/2013I am disputing the $36.00 overdraft fee assessed to my account on 7/1/13 and the 3 overdraft fees of $36.00 each totaling $108.00 assessed to my account on 7/2/13.These fees were assessed totally unfairly and without merit when my ATM receipt of 6/28/13 shows otherwise regarding the available balance at that time. There was a deposit of $35.00 deposited to my account on 6/28/13 which the ATM receipt showed an available balance of $40.93 after the deposit. It then showed an available balance of $25.93 even after the $15.00 ATM withdrawal that I withdrew right after the deposit on 6/28/13. You charged the $36.00 overdraft fee on 7/1/13 when my account was not even in the negative per my online account review and 6/28/13 ATM receipt which caused the 7/1/13 $24.38 debit to [redacted], $15.00 ATM withdrawal done on 6/28/13 and the 7/1/13 debit to ITunes store of $1.98 to bounce and made the account go into the negative. There never would have been a negative balance for those 3 transactions as noted above if you had not went in and debited a $36.00 overdraft fee which was not warranted as my ATM receipts show and especially since the deposit of $35.00 made along with the available funds already in the account was more than enough to cover the 3 transactions had you not went in and took $36.00 when it was not even warranted and it caused the 3 transactions to bounce. The 3 transactions of 7/1/13 never would have bounced had you not went in and taken the $36.00 overdraft fee that was not even warranted!!! I would also like to know why you show transactions pending for several days after they are initiated instead of posting them? I also do not agree with the $36.00 overdraft fee assessed on 7/2/13 which you assessed for the $100.00 [redacted] Insurance payment of the same date since you then turned around and reversed it on 7/3/13 and did not even pay it even though I signed up for and my overdraft protection was in effect..I agree with paying this ONLY if you had paid the payment and then there should not have been a $36.00 returned item fee on 7/3/13. You pay payments when there is no overdraft protection and dont pay them when there is overdraft protection.. That makes no sense at all??? You then turned around and charged me another $36.00 for reversing the [redacted] payment even though you should have paid it since the overdraft protection was in effect. I would only agree that only $36.00 overdraft fee assessed 7/2/13 is warranted only if the $100.00 [redacted] payment had been paid. I also want the $36.00 returned item fee reversed since you did not even bother to pay the $100.00 [redacted] payment even though you have paid payments in the past when I did not have overdraft protection. This makes no sense whatsoever!!! To summarize, what I am requesting is a total of 4 overdraft fees totaling $144.00 be deposited back to my account unless you pay the $100 [redacted] payment that you have already reversed and I am requesting the $36.00 returned item fee be reversed also due to you did not honor my overdraft protection. There is no consistency in how PNC decides which payments to pay, deposits, and assesses fees especially when it comes to overdraft protection.. It is getting to the point where I feel that I need to take this to the banking commission as it appears that PNC is engaging in deceptive practices to collect fees. I do not disagree with paying fees when they are warranted but this is ridiculous. I am having a hard enough time without having to deal with this all the time. I am the only income in my house as my husband has Pancreatic Cancer and is awaiting disability, everything is behind and we even had to get food stamps and medical assistance.. I am not saying our situation is PNCs fault but when your unfair practice of assessing unwarranted fees causes me unwarranted and totally unnecessary expenses then it warrants investigation by an outside banking agency if it is not corrected or continues.. Thank you, [redacted]Desired Settlement: I want a refund issued to my account of 4 overdraft fees totaling $144.00 and a returned item of $36.00 for a total of $180.00. I also requested a response from the Presidential Inquiry Unit if the original PNC employee was unable to take care of it and I got nothing.Here is PNC's lame response.Re: OverdraftFee Date: 07/07/2013Message: Dear [redacted], Thank you for contacting us through secured email. We apologize for our delayed response. Upon review of your account, I do see that you do not have overdraft protection, yet you have Opted-In to Overdraft coverage. Opting In to Overdraft Coverage allows you to overdraw your account with regards to an ATM withdrawl or completing most POS transactions. By Opting in, you agree to the fees associated to this service. Customers who do not want to have access to funds that would overdraw their accounts, when making an ATM withdrawal or when completing most POS transactions, may opt-out of overdraft authorization. By opting out

Business

Response:

Your correspondence to the Revdex.com (Revdex.com) of Western Pennsylvania has been forwarded to PNC Bank National Association's Executive Client Relations Office for review and response. I appreciate the opportunity to address your concerns regarding Non Sufficient Funds (NSF) fees on your PNC Bank checking account ending [redacted].

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 Bank, National Association ("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 Withdrawing Money section of our Account Agreement for Personal Checking, Savings and Money Market Accounts ("Account Agreement"). For your reference, additional copies of the Account Agreement and our Free Checking Features and Fees are being sent to you under separate cover.

Please allow me to explain the difference between overdraft protection and overdraft coverage:

Overdraft Protection is a service that links another PNC account (protecting account) to a PNC checking account. In the event that there are not sufficient funds in your account PNC will automatically transfer funds from your protecting account to cover any overdraft on your account. If there are not sufficient funds in the linked protecting account(s) to cover the items presented and avoid the overdraft situation, an overdraft fee may be assessed. In this case, you do not have overdraft protection associated with your checking account.

Overdraft Coverage covers your ATM and everyday debit card transactions at PNC's discretion if you overdraw your account. Opting-in to Overdraft Coverage may allow your ATM withdrawals and everyday debit card transactions to be approved when funds are not available in your checking account. Overdraft coverage does not opt out of standard overdraft practices for items such as checks, ACH transactions, and recurring debit card transactions.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Our records indicate that your account is opted in for overdraft coverage. You may wish to consider opting out of this service. Please visit your local PNC Bank branch or call our Customer Care Center at ###-###-#### to discuss these options for your account

My review of your account history indicates Overdraft Item Fees were appropriately assessed on July 1, 2, and 3, 2013, as disclosed in the notices sent to you on the dates the fees were assessed. It is PNC's practice to refund any fee assessed as the result of a Bank error. Since no bank error occurred with respect to the transactions noted above, PNC Bank respectfully declines your request for reimbursement.

PNC Bank offers services such as Overdraft Protection and 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.

I mailed copies of our brochures pertaining to your account under separate cover for your future reference.

Should you have any questions regarding this issue, please call me directly at toll-free ###-###-####, Extension ###-###-####. Thank you for allowing me to clarify our position in this matter.

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 account was not overdrawn on the dates or transactions in question. It was only overdrawn as a result of PNC Bank accessing an overdraft fee which in turn caused all my transactions thereafter to bounce. Also, I would only have felt responsible for the one fee and one fee only charged for the [redacted] overdraft ONLY PNC Bank had paid it but they chose to post the payment and then turn around the next day and reverse it so that they could double dip me for fees. They shpuld have just declined it instead of posting the payment and then reversing it the next day and charging a 2nd fee. This is total fraud and predatory practices on their part.

I am aware of the past 90 million dollar lawsuit against PNC Bank for fraudulent overdraft practices. I am demanding that the funds that were fraudulently accessed to my account be refunded back to my account so that I can close this account as I will not be conducting any future business with PNC. I habve already opened a new account with a local bank with a good reputation that does not engage in such practices.

The documentation that I provided showed clear and concrete proof that the transactions in question would not have been in the negative had PNC not accessed a bogus and fraudulent overdraft fee when there were funds in the account. The documentation provided supported this and I would also be happy to submit a copy of receipt for the deposit made at the ATM that would also doubly support this.

The response offered by PNC Bank was totally lame and unacceptable. PNC needs to own up and stop their fraudulent and shady business practices.I worked for a mortgage company for many years and I know how these things work. Do things to collect more fees.

I will take this to the next level including the banking commission and MD and PA Attorney General Offices if this is not resolved to my satisfaction as requested.

Regards,