PNC Financial Services Group, Inc.

Review: About a month ago, I was contacted by a CLC Loan rep for a PNC loan. I attempted to contact her, but instead, they decided to take $1300 out of my checking account. This caused several overdrafts and fees. They took the money without warning and caused the overdrafts.Desired Settlement: Reverse all fees as the bank caused it to occur.

Business

Response:

To Whom It May Concern,

PNC Bank has not received any third party authorization regarding this issue. We received this issue also from the Consumer Financial Protection Bureau and we are resolving this issue directly with our client and the CFPB. We are in the final stages of resolution and expect final resolution within 7-14 business days.

[redacted]Executive Client Relations

Review: PNC Mortgage bought my loan. My loan papers state that the escrow account will be used for both property taxes and insurance. My insurance is now due and they are stating that they are only collecting for taxes even though my loan papers indicate otherwise. There is enough money in the account to pay for the insurance but they are refusing to do so unless I jump through hoops. They initially claimed that they didn't have my paperwork. After I asked to speak to a manager, I was told that they are now looking through the documents.I find this behavior to be disdainful and would like for this situation to be corrected by the company. I have called two times now and this call has lasted over 30 minutes. I don't appreciate being treated this way by this company and would advise anyone who considers working with PNC to think twice.Desired Settlement: Pay my insurance out of the money in the escrow account before the due date of October 18.

Business

Response:

Dear Ms. [redacted]:

PNC Mortgage is in receipt of your inquiry dated October 3, 2013 sent to the Revdex.com (Revdex.com) regarding the referenced loan. Thank you for your patience while we reviewed your concerns.

In your correspondence, you state that your homeowner’s insurance premium is due. You explained that you called us to pay the bill because there were sufficient funds in the escrow account to pay the premium. You expressed the difficulties you have experienced while attempting to resolve this matter.

A review of our records indicates that subsequent to our receipt of this inquiry, this issue has been resolved.

Our records reflect that PNC Mortgage acquired your loan on July 16, 2013.

On October 3, 2013, you called to inquire about escrow for insurance and we advised you that requests are required in writing.

On October 4, 2013, we received your letter dated October 3, 2013 requesting that we pay the homeowner’s insurance premium due on October 18, 2013.

On October 9, 2013, we disbursed $1,008.67 to [redacted] for homeowner’s insurance policy number [redacted], effective October 18, 2013 through October 18, 2014.

Our records indicate that, an Escrow Account Disclosure Statement (copy enclosed) was mailed to you on October 10, 2013. The new monthly payment of $2,340.95 is effective December 1, 2013.

On October 16, 2013, a letter (copy enclosed) was mailed advising you that the homeowner’s insurance was added to the escrow account.

We apologize for any frustration or inconvenience you experienced regarding this matter. Your business is important to us and we remain committed to providing you with the highest level of service. We hope that this letter provides clarity regarding your concerns with your loan.

Should you have any further questions or concerns regarding this matter, please call our Customer Service Help Desk at ###-###-####.

Sincerely,

Mortgage Escalations Group

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: they sent me a refund check for $65.60 I went to cash it and I couldn't get it cashed because they didn't sign the check I called them about it and they said to give it 6 to 8 weeks this was back june 14,2013 I have called them a couple of times and they tell me to be patient I just want my refund it has been almost a year I think that is being patient enoughDesired Settlement: my refund check signed and I think they should pay me interest on my refund

Business

Response:

Dear Ms. [redacted],

PNC Bank worked directly with the customer to get the check re-issued to her from [redacted]. Please contact me directly with any additional questions at ###-###-####.

Thank you,

Review: When PNC transferred my credit line account over from [redacted] my autopay was not reconnected properly. This resulted in a late pay in September 2012. I spoke with a branch manager who assured me it was a bank error and promptly credited late fees and bank charges back to my account. Three years later and it is still showing on my credit report as a 30 day late. This is adversely affecting my credit score. I have filed several disputes in an attempt to have this removed from my credit report. I've contacted several people within PNC to get this resolved and they keep giving me phone numbers to call that go to general mailboxes. This is getting ridiculous. I'm trying to purchase a home right now and this is negatively affecting my mortgage application. I need this resolved immediately.

Product_Or_Service: Credit Line

Account_Number: xxxxxxxxxxxx[redacted]Desired Settlement: DesiredSettlementID: Correction to a credit report

I would like the 30 day late removed from my credit report immediately as well as a letter on PNC letterhead stating that it will be removed immediately.

Business

Response:

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

Review: My Mother passed away April 26, 2014. Since May 13, 2014 I have been trying to close her account. I supplied my Mom's death certificate, small estate affadavit, and copy of the will.Original request came through ther banker I worked with [redacted]. Starting June 2nd I escalated to the VP Branch Manager [redacted]. This issue still has not been resolved as of June 6, 2014. This banks legal department has denied the request even after supplying them with exactly what they have asked for. At this point, I just need help, and need to let this bank know its policies and procedures are aiding to even more distress. No one should have to bury a parent, but cannot close an account.Desired Settlement: I just want the account closed, and their policies changed to allow the VP Branch Manager to close accounts in their institution using their own judgment. The legal department does not need to be involved for accounts with small deposits in an account.

Business

Response:

PNC Bank is responding directly to the customer regarding this matter. We do not have an authorization on file to release any information.

Sincerely,

[redacted]Executive Client Relations Officer

Enterprise Escalation Group

Review: I received an insurance check made payable to my and PNC Bank. This check was for some body work I had completed 2 1/2 weeks ago. I went to the local PNC brank in [redacted] MO on January 14, 2016 with the check. I was informed that I had to sign he check, have a copy of the final bill, which was faxed over while I was there, and that it had to be sent in to the headquarters. She also told me it would take 3 days to complete. I have contacted them numerous times with no help. No bank representative has been able to assist me. I have now not had a vehicle to drive for 2 weeks, well past the 3 days in which I was told it would take. The body shop, a dealer, and my bank said this is absolutely redicolous and they have never heard of this situation. I need my truck and them to do there job NOW!Desired Settlement: I need them to send the dealer the money overnight, or send me the money payable to the dealer overnight, NOW.

Business

Response:

February 10, 2016PNC Bank, N.A. responded to [redacted] on February 10, 2016, and considers this matter addressed.Thank you,ACBPNC Bank

Review: [redacted]PNC Bank suddenly permanently closed in [redacted] Where I reside without any warning or respect to customers causing me to drive to the nearest PNC Bank which is located @ [redacted] 01/02/2015.The bank was not busy when I drove to PNC Bank which is located @ [redacted] on 01/02/2015. When I entered the counter to get a certified check. As the teller began to meet my needs he suddenly realized the bank was out of certified checks and he stated he's already made one trip to another branch to get certified checks but ran out again. He then told me where to go if I needed a certified check.I asked the teller, "why was he out is there not a policy in which you reach a certain amount and you order more?" This was odd being PNC is a bank that gives us directives before running out of our checks purchased through their banking.The Teller next to the teller whom was assigned to me spoke up and said, "I was on vacation and ordered more checks but they cancelled them for some odd reason"? I found this to be tacky and unprofessional. It was cold and rainy on thand the teller finally said I will go get the check for you.When he arrived he went to get approval from his manager on two different segments of processing my request. Not once did the manager show his or her face and apologize.The teller even mentioned he hopes to not work at that particular branch ( [redacted]) again. To make matters even worse the tellers computer froze and he was unable to produce me with a receipt from the certified check! I asked him to hand write me something; anything as I am still nervous with my account being unprotected by these unprofessionals.The teller stated he will mail me a receipt in which I have not received as of date.My goal is to leave PNC ASAP once I complete my research seeking other banking institutions. The experiences are horrible and working as hard as I have I feel my life savings is in danger.Desired Settlement: It would be appreciated if PNC would teach customer service skills to their tellers along with training. This bank discussed on [redacted] and the bank on [redacted] I've had horrible experiences. For example in the [redacted] Branch [redacted] nearly convinced me to sign a huge annuity and failed to mention she has no experience in the area yet nearly caused me to make a huge mistake.Sample emails will be delivered in correspondence to [redacted] as well upon request

Business

Response:

Dear Ms. [redacted]To Whom It May Concern Executive Client Relations for PNC Bank, National Association received [redacted]'s issue for review and response on January 8, 2015. We have spoken to the client to address her concerns on January 14, 2015 regarding the level of service received from our [redacted] and [redacted] Branch's. PNC Bank takes customer feedback very seriously. Due to employee confidentiality, we cannot discuss details surrounding our follow up, however we can assure you that it has been escalated to the appropriate levels of management. With the conclusion of our conversation, we consider the issue to be addressed and apologize for any frustration Ms. [redacted] experienced with PNC Bank. If I can be of further assistance, please contact me toll-free at ###-###-####, extension ###-###-####. Sincerely, [redacted]Executive Client Relations OfficerEnterprise Escalation Group

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: had life inc. on a loan ,starting in 2008,they just dropped it after paying for it all these years, how can they do this?? I would like a refund!Desired Settlement: I would like a refund of every dollar I put in this...

Business

Response:

6-3-2014 [redacted] spoke to the client. No authorization on file

Review: I went to PNC out of my area, because the Main Branch in South Bend, Indiana was closed, this time the customer service lady "said it a bank alert", I told her I report my debit card on Friday.My debt card should have a no transaction alert, not the drive up or banking withdrawal, this lady said I could come into the bank. I do not go to the bank, for the simple reason the last time I was standing in the bank, and the clerk at the PNC, [redacted] would give the cash I had fill out a withdrawal receipt, she stated that my government ID do not have the right address, when the clerk would look up my account, my addresses were [redacted] PNC clerks are racism, and a black woman can not have that amount in an account, I had to be stolen the money out of some one account, using that person ID.Desired Settlement: DesiredSettlementID: Other (requires explanation) I lost my debit card, I want the clerk and bank put on monitor for declining me a transaction. I had one dollar to my name, and I could not purchase the food I needed for the weekend.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on May 6, 2014. We have evaluated the information and are working with the client directly to address her concerns. We do not have written authorization from Ms. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: acc I HAVE PAID OVER 400 IN OVERDRAFT FEES IN THE LAST MONTH! I WILL NOT PAY ANOTHER THAT IS NOT MY FAULT. YOU TOOK MONEY OUT OF THE ACCOUNT WITH OUT NOTIFYING ME FIRST BECAUSE OF ANOTHER ACCOUNT THAT WAS CLOSED BECAUSE OF TRANSACTIONS THAT I DID NOT APPROVE. CLAIMS WHERE DENIED AND THATS FINE AND I WILL PAY OFF THAT BALANCE BUT I WILL NOT PAY ANY FEES FOR OVERDRAFTS THAT WHERE CAUSED BECAUSE YOU JUST TOOK MONEY OUT OF THE ACCOUNT.I HAVE SPOKEN WITH MANY PEOPLE AND THE LAST PERSON WAS RUDE AND MADE ME FEEL LIKE I WAS DUMB ASKING ME IF I HAD READ MY CUSTOMER AGREEMENT ASKING ME Teria: May I ask, what exactly do you want fixed? I SAID I WANTED IT FIXED I AM NOT PAYING OUT ANY MORE FEES THAT ARE NOT MY FAULT. I WANT IT FIXEDDesired Settlement: 8/12 overdraft fee8/11 account fee8/11 28.02 was taken out of acc ending in 1961 and caused overdraft

Business

Response:

PNC responded to Mr. [redacted] on September 3, 2015 and considers the issue addressed.Thank you,Melissa G[redacted]Executive Client Relations

Review: I called PNC Bank for a total of 3 hours today trying to make a payment on my line of credit account. I was instructed by PNC Rep to call [redacted] to make my payment. they could not find my account and was transferred back to PNC. After 3 reps tried to resolve my payment account info, the last rep I spoke to told me that a previous rep took my payment over the phone and waived the $10.00 fee. Wait a minute "how much was the payment deducted for" I was unaware anyone took a payment over the phone?? So I asked her how much? she said I don't know.....how do you not know,,you are deducting money for someone' account?? She said you can call back in 2 days and find out?? I just want to let you know how your customers are being treated...Oh and can someone help me find out where my line of credit is??Desired Settlement: call

Business

Response:

Re: Revdex.com Complaint No. 10215711

To Whom It May Concern:

This letter is written in response to your correspondence regarding Ms. Nicole [redacted]. PNC has worked directly with 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: Account ending in [redacted], name on account [redacted] bank has charged me around 200$ in fees for NSF and continous overdraft and I made the deposits before the closing time of 10:00 PM. Their mobile app states that if you make a deposit before 10:00 p,m, the deposit will be available that business day, it does not say anywhere that only the first $100 will be available. They are not informing the clients correctly. Months ago I had a dispute for a transaction on my account and they did not resolve it and took the money out of my account and charged me around 200$ in fees, even that I sent them all the documents explaining that the pharmacy was supposed to give me that money back, because the government was paying for my medication. The issue was not resolved, that is why im contacting you and if they do not give me my money back, I will contact the federal trade commission.Desired Settlement: I want my money back (Around the $400 fees they charged me in the past months) and I want to close this account, I want to end my financial relationship with this bank.

Business

Response:

PNC is working directly with the client. We are in the final phases of processing a response.

Review: I had fraudulent charges to my PNC checking account. I reported the charges before they ever posted to my account. The bank informed me they could do nothing until they actually posted and weren't just memo posted. The charges posted a week or so later and I contacted the bank to dispute the transactions. They never called, emailed, or otherwise contacted me. I went into the local branch to check on the issue, they informed me they sent me a piece of mail and I was supposed to fill it out and send it back to them. I informed them I never received it. They looked in their computer systems for the document and could not find it and had to make a new one for me. I signed the document, an affidavit identifying what happened. The document identified multiple fraudulent charges on my account. After not receiving any contact form PNC for a few more weeks and not seeing any movement on my account I again went into the local branch. The manager called the escalation team to check on the issue. I was told things were being processed and I just needed to wait. A few more weeks went by without any contact. I again went into the office. I was told I received credit back for all but one of the charges. The charge I did not receive credit for was the largest, $140+. They failed to file this charge with the others even though it was in the affidavit and I had proof that it was their fault not mine. They have now informed me that we are past the 60 day charge back window to receive the funds and I should prepare not to receive the funds. Currently, I am negative the $140+ on my account because I pulled all my money out of it. So if they don't get my money back, technically I will owe them the $140+ even though it was their fault for not filing. They have told me that it was my responsibility and that I did not communicate with them. I have not received one phone call or email. The one letter I did receive in the mail was dated 10 days before they wanted it back to process the claim so I didn't get it in time.Desired Settlement: I want the money I am owed from the fraudulent charge taken off my account so I may close the account and be done with PNC Bank. If they reverse the charge they owe me a little over $1.00. I want that money back and the account closed.

Business

Response:

5-13-2014 [redacted] No authorization on file. PNC is working with client to resolve issue.

Review: My credit card was stolen and I immediately sent a message through their online system requesting that they stop all possible account activity and to close the account for added security (I had not used the account also for several months, as I had moved overseas, far away from their branches and took a new local bank to use primarily instead).It has been five days since I asked them to close the account and they still have not responded through the online system or otherwise.I generally get (and it says that they will respond within 24 hours on the website) a response within a day, but not this time.It has been five days since then.There is no excuse for not responding to a stolen card alert given to them nearly a week ago.Desired Settlement: Stop all possible activity on the account, beginning from the date of Sept 11 (last week) and also close the account permanently, as requested. No more liability.I will not be responsible for any further charges to this account from that date forward.I expect an email directly or through their online system acknowledging this.I marked this as a "REFUND" related request as I suspect a stolen card could possibly be used by someone. The account is still in good standing currently, as of now.

Business

Response:

PNC Bank reached out directly to Mr. [redacted] to resolve his request. If you have additional questions, please contact me at ###-###-####.

Review: I DISPUTED CHARGES OF NSF FEES AND THIS BANK KEPT SENDING ME PAPERWORK FOR SEVERAL MONTHS TO CREDIT THE NSF CHARGES AND THEY WOULD CREDIT ME AND TAKE IT BACK AND THEY DID THIS SEVERAL TIMES, WASTING MY TIME AND PLAYING GAMES WITH GIVING ME THE CREDIT BACK AND REVERSING CHARGES AS THEY SAID THEY WOULD DO. THE DO NOT TELL THE TRUTH AND PLAY GAMES WITH THEIR CUSTOMERS AND DO THINGS TO ACCOUNTS SO THEY WILL INCUR FEES. I want this to stop.Desired Settlement: I WANT $600-1000 CREDITED BACK TO MY ACCOUNT AND MY ACCOUNT ZERO'D OUT AND CLOSED PER MY REQUEST. Whatever my account is negative I want it mad positive and then closed with me owing PNC nothing as promised before that they would do..

Business

Response:

March 27, 2015Dear Ms. [redacted],PNC has responded directly to the customer's complaint. A written response was mailed to the customer at his address of record on March 27, 2015.Please feel free to contact me if you have any questions regarding this matter.Sincerely,[redacted]OfficerExecutive Client RelationsEnterprise Escalation Group

Review: PNC took over my loan. My prior company had the same insurance requirements and my property has always had insurance coverage. I have provided proof of coverage several times however PNC refuses to record that coverage anywhere and refuses to refund the 1,751.00 they have taken from me which is 123% more than what my escrow expenses are. Now they are increasing my mortgage by 37% because they are using the money they wrongfully charged me in my escrow calculation.Desired Settlement: I want the 1,751.00 I should have never charged refunded and I want my escrow recalculated using my true escrow expenses and not the over charge.

Business

Response:

[redacted] 1-15-2014

Review: I had a [redacted] way back from 2005 (secured credit card) and up until the PNC buyout, I never had an issue with billing. Once the changeover happened, they said they would send me a pin in the mail (never got) and I would have to pay through PNC.com and I couldn't use [redacted] site anymore. (I had online billing) So after a while passed I called customer service and stated that I could not pay by phone or give me a pin by phone so they resent my pin but by the time I got it, they closed the account and paid it off with my security deposit. I did not want this to happen. Now I have a 30 day late mark on my credit report with all 3 credit reporting agencies for a billing changeover which was out of my hands.Desired Settlement: Remove the 30 day late mark on all three credit reporting agencies.

Business

Response:

8-6-14 PNC has responded to this complaint directly to the customer via telephone conversation.

Consumer

Response:

Review: I have a fradulent charge on my bank account. Someone went to a check cashing place or a PNC branch (they keep changing which one it was) with my debit card and withdrew a lot of money. The only problem is that I was at work all day with my debit card so how is it even possible that someone was able to use it? I called the bank twice and they have only tried to get me to get a loan or a credit charge to cover the charges. Of course, they can't tell me who did it or where it was done since the debit is still pending. However, it has remained in pending status for two days and the transaction detail keeps changing. I have a check that is out which will bounce and then I have to pay fees for that and lose my good reputation with my landlord. How could this even happen?Desired Settlement: Once the money is back in my account, I am closing my account with PNC. I believe that something fradulent is going on with the bank practices and I want nothing to do with this business.

Business

Response:

PNC is responding directly to the customer regarding this concern. Thank you.

Review: PNC distributed coupons offering a cash bonus for new account holders if specific conditions were met, I presented the coupon when I opened an account at the PNC branch location in the [redacted]. Based on the advertised offer, I am due a total cash bonus of 400.00. When I called PNC customer service last week, I was told there was no bonus because the offer had not been coded when the account was opened, I returned to the branch, gave them a copy of the offer, and was told I would be notified. I did receive a secure emailstating I would hear from their fulfillment department within "24-48 hours" but I have heard nothing, so I am filing this complaint, The conditions were as follows., 1, open a top tier virtual wallet account (performance select). Pay one on line bill, deposit $5000 from a government entity in direct deposit, and deposit $20000 minimum in the virtual wallet growth account. As of August 31, when my second pension check will be deposited, I will have net ALL of those requirements, I want to receive written confirmation from PNC that all of the bonuses offered will be posted to my account at the appropriate date from account opening (60/90 days)This failure to fulfill advertised bonuses seems to be a common Revdex.com issue,Desired Settlement: proof that PNC will post aLL offered bonus cash at the promised date, in the form of a written statement, and that it will honor all other inducements offered to new depositors, including a #100 bonus related to its PNC visa card, which I also opened, and for which all conditions have been met,

Business

Response:

This is in regards to your correspondence regarding[redacted]. PNC Bank has responded via telephone call with the cusotmer directly addressing these concerns. THe Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.

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 with one caveat. PNC did post the promised opening account bonus of 300. It offered two other bonuses as well to be posted 90 days after the opening date, so those bonuses are not due yet, PNC has assured me that when the time comes, those bonuses will be credited as well. So I want to respond that the business reply to the Revdex.com is acceptable at this time,

Regards,

Review: In November 2014, I cancelled two recurring "autopay"'s from my PNC checking account. Since then, PNC has been processing the payments anyway from my checking account - causing my account to overdraft. After the second occurrence, I stopped paying their fees, filed a fraud complaint over the phone with one of their reps, and requested the account be closed to stop the daily charges while they investigated. They refused to close the account, saying I must bring it to a positive balance before they will close it - meaning that it is still occurring daily fees. They also refused to refund the overdraft charges that were caused by their own error! So now I get regular calls from their collection department requesting that I bring the account current. When I explain the situation, the PNC representatives are understanding but state that they cannot do anything about crediting back the fees because their computer system won't let them. They also say that they cannot stop calling either. So now I'm trapped in an apparently endless loop resulting from a mixture of the greed and ineptitude of PNC Bank. I am happy do bring the account current, but I cannot do so without them stealing 70% of my deposit - an apparent reward for their incompetence. The people who work for PNC bank that call me regularly see that this is their companies fault, but are powerless to address it due to corporate directive. They are also required to keep making the same pointless phone call.I once made it through the collection rep to a manager, who understood and agreed to fix them problem. He got someone on the phone from the "Escalation Department", a woman named [redacted] After asking for my debit card number for verification, she put me on hold without advising she was going to do so and, after 20 minutes, the line was disconnected by PNC. That was the closest I have come to resolution.Desired Settlement: I simply want PNC Bank to stop trying to charge me for their own incompetence. The overdraft fees were caused by their error, not mine, so drop the entitlement, waive the fees, and I'll gladly pay the rest. This means ALL fees dating back the the 1st of December 2014. I will not pay a single dollar, as doing so would be rewarding their ineptitude and arrogance.

Business

Response:

PNC has responded directly to the client. No release was provided.