PNC Financial Services Group

PNC Bank received the complaint for Mr [redacted] on November 03, We have evaluated the information and spoke to client to address his concernsWe do not have written authorization from Mr [redacted] to respond to your officeShould you have any further questions, please feel free to contact me at ###-###-#### Sincerely, [redacted] Executive Client Relations PNC Bank

RE: Customer: [redacted] ECCS ID No [redacted] Revdex.com Complaint ID No [redacted] Dear Revdex.com: This letter is confirmation that PNC Mortgage sent a response to the customer regarding the referenced complaintThank you for contacting PNC MortgageSincerely, [redacted] [redacted] Consultant Enterprise Escalation Group In Support of Mortgage PNC Bank

PNC is responding directly to the customer regarding her concern

March 4, 2015Dear Ms***,PNC Bank has worked directly with the customer for resolution of his concern Please feel free to contact me if you have any questions regarding this matter.Sincerely, [redacted] OfficerExecutive Client RelationsEnterprise Escalation Group

I spoke with Ms*** on January 22, and advised her the reason the Accounts were closed was due to the history of returned deposit items; specifically, there were two returns from a closed account at another bank During this conversation, Ms*** also expressed concern about the resolution of her disputes, stating she had received differing responses I advised Ms [redacted] the disputes had been denied because Ms [redacted] stated her PIN was written down and anyone could have gotten it Ms [redacted] denied making that statement, so I reviewed her disputes and confirmed our records indicated she had informed our representative at the [redacted] *** branch on December 12, 2014, that she had lost her debit card and her PIN number was written down and anyone could have gotten it Additionally, there were undisputed items that occurred after the date Ms [redacted] indicated her card was lostMs [redacted] asked if PNC was going to credit her for any of the disputed items, because if not, there was no reason to continue the call I confirmed that since the disputes were denied, we will not be crediting Ms [redacted] any funds At that point, Ms [redacted] disconnected the call

Good afternoon [redacted] , Please be advised that the Director of Customer Relations from PNC Bank called me and told me the same thing again that should be 10-business days to get the monies back credited to my account as the other Customer Service Managers told meI just told him that he didn't have to call me for the same statements and no actionAll I need is my monies credited back into my accountI saw the monies in my account as pending transaction however I still can't use itThey didn't apologize or anything like that, some of their customer service managers were really rudeEvery time they called me they used the same excuses and told me to wait from 10-business daysIt's really frustrating talking with them over the phone when they called me with the same excuses and no action at allI won't be so sure how they reconcile the balance on daily basis if they can't resolve the problem right away as they knew what happenedAlso camera can even tell the truth Thanks Have a great day [redacted]

As there is still no signed Authorization to Release Information, we cannot relaease any details to the Revdex.com We have sopken with the customer today and have resolved this complaint 11/20/ ***

March 5, 2015Dear Ms***,PNC Bank has responded directly to the customer regarding his concern Written correspondence was sent to the customer on March 5, 2015.Please feel free to contact me if you have any questions regarding this matter.Sincerely, [redacted] OfficerExecutive Client RelationsEnterprise Escalation Group

Dear Ms***We have been unable to contact the customer by telephone, however, the fees were waived as requested by the customer.Sincerely, [redacted] Executive Client Relations

Whom It May Concern, PNC Bank received the complaint for Mr [redacted] on March 9, We have evaluated the information and spoke to client to address his concernsWe do not have written authorization from Mr [redacted] to respond to your officeShould you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted] ***Executive Client RelationsPNC Bank

To Whom It May Concern, PNC Bank received the complaint for Ms [redacted] on march 19, We spoke to client to address her concerns and consider this matter addressed Should you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted] ***Executive Client RelationsPNC Bank

The customer filed a CFPB complaint Please close this complaint as PNC will respond to the CFPB - Regulatory

Revdex.com: 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 company did not address the two significant matters 1) The loan terms, especially related to the lifetime of the loan, were changed without my consent For a loan that originated eight years ago, it is significant to change the terms without my consent back to a 30-year loan This does not make the loan more affordable for me, it only makes me give the company a significant amount more money 2) The loan was modified in order to make it more affordable Instead, a significant amount of fees and interest were tacked onto the loan, and the monthly payment amount stayed virtually the same This means that the total due to the company is now more than it was eight years ago when the loan was originated! This does not make the loan in any way more affordable, quite the contrary it makes it significantly less affordable Regards, [redacted] ***

PNC has responded directly to the client letting them know that the $promo credit will be credited to the account by the morning of Friday January 30,

On Tue, Jan 27, at 12:PM, wrote:On 1-27- PNC sent a letter to the customer to resolve the issue Please update the Revdex.com complaint as "answered"Thank you [redacted] Assistant Vice PresidentExecutive Client Relations Enterprise Escalation Group

On Wed, Nov 12, at 3:PM, [redacted] > wrote: PNC has received a complaint through the [redacted] for this customer Please close your complaint as PNC will respond to the *** Complaint Thank you [redacted] Assistant Vice President Executive Client Relations Enterprise Escalation Group PNC Bank [redacted] *** [redacted] (p) ###-###-#### (f) ###-###-#### [redacted] On Wed, Nov 12, at 3:PM, wrote: PNC has received a complaint through the CFPB for this customer Please close your complaint as PNC will respond to the CFPB Complaint Thank you Deborah Smerker Assistant Vice President Executive Client Relations Enterprise Escalation Group PNC Bank Smithfield St, 3rd Floor Pittsburgh, PA 15222- (p) ###-###-#### (f) ###-###-#### [email protected] On Wed, Nov 12, at 3:PM, wrote: PNC has received a complaint through the CFPB for this customer Please close your complaint as PNC will respond to the CFPB Complaint Thank you Deborah Smerker Assistant Vice President Executive Client Relations Enterprise Escalation Group PNC Bank Smithfield St, 3rd Floor Pittsburgh, PA 15222- (p) ###-###-#### (f) ###-###-#### [email protected] On Wed, Nov 12, at 3:PM, wrote: PNC has received a complaint through the CFPB for this customer Please close your complaint as PNC will respond to the CFPB Complaint Thank you Deborah Smerker Assistant Vice President Executive Client Relations Enterprise Escalation Group PNC Bank Smithfield St, 3rd Floor Pittsburgh, PA 15222- (p) ###-###-#### (f) ###-###-#### [email protected]

We have contacted this customer and resolved his complaint The issue is resolved[redacted] Executive Client Relations

We understand Mr [redacted] 's concern We are responding to the CFPB for this issue as they are the regulator We have not closed the complaint THank You

Dear Mr [redacted] : This letter is in response to your inquiry dated October 16, sent to the Consumer Financial Protection Bureau (CFPB) and your additional inquires dated October 28, and November 21, sent to the Revdex.com (Revdex.com)In your inquiries, you stated that your application was taken on July 12, but you did not receive a Good Faith Estimate (GFE) until September 2, You further stated that you were not satisfied with your experience with your loan officerLastly, you stated you were not satisfied with the closing delayYou have requested that we refund you with a portion of your closing costs and receive an apology from management due to your experience during the loan processAccording to our records, the loan officer issued a pre-approval letter in July to enable you to search for a property to purchaseThe information provided by you during the pre-approval process does not meet the current RESPA threshold for an application, at which time a GFE is provided, and therefore no GFE was provided as a result of the July 12, meetingOnce your purchase agreement was received, we finalized your loan application on August 14, and mailed your GFE on August 15, 2014, with a revised GFE mailed August 16, to reflect a lower Note rate of interest, (copies enclosed)On behalf of PNC Mortgage we apologize for the treatment you received from your loan officer and the delay of your closingYour satisfaction is important to us and we regret that you received anything less than the best possible experience during your loan application processYour concerns have been addressed with the employee involved and documented for further review.PNC Mortgage is committed to customer satisfaction; therefore we are reimbursing you for your origination fee in the amount of $(check enclosed)Should you have any further questions or concerns regarding this matter, please call our Customer Care Department at ###-###-####Best Regards, [redacted] Consultant I Enterprise Escalation Group In Support of Mortgage PNC Bank

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 do not consider this complaint to be resolved Please post all of my responses to the Revdex.com website about this business I tried in good faith to resolve this conflict As you can see I paid for all the erroneous charges that PNC allowed to be posted to my credit card account even after it had been requested to be closed more than months earlier I even paid one of the $late fees they assessed me This shows that I acted in good faith and paid for my purchases and a late fee to boot However, PNC still insists that they did not do anything wrong- is still showing a $balance due and placing it against my credit Ms [redacted] states she responded to me on 06/24/ There is no response on this website With all due respect, I don't think she should have total oversight over matters such as this It should have been sent to an independent third party at her business for them to assess how her company totally fell down on the job in this situation Someone also needs to review their website I believe it to be misleading in electronic billing Her company can not prove I ever accessed any of my electronic billing statements thru email as I never requested this option I especially had no access after I cut up and disposed of the card more than months priorI did not even know my account number Why doesn't someone request PNC prove I had access to my credit card statements and that I viewed them knowing exactly what my balance was Because they know they can not prove it PNC never responded to any of my concerns They just kept billing me late fees and never sending me a mailed statement until I complained to the Revdex.com Then I get a letter and all of my statements from Ms [redacted] how convenient In the process of me trying to resolve this conflict and sending in my check - how nice PNC bank charges me another late fee of $ I ask you, is this a business trying to work with a customer and resolve a complaint The answer is simply and clearly, "NO." I will be addressing this situation with every government agency that will listen Clearly, something shady occurred here (in my opinion) There was no new response to my complaint from Ms [redacted] She did not even respond to the issue I addressed That PNC and her personally knowing I was trying to resolve this account - charged me another late fee before I even got the statements in the mail How is that fair? As my check to PNC shows - the day after I got the statements I mailed a check for what I owed I acted in good faith PNC did not Ms [redacted] did not Please post to the internet on your website, so that other customers of PNC will see what experience I had with them and be wary about this business Especially pay attention to how they try to get you to sign up for electronic statements when this is not your choice Because even if you call customer service and tell them you are not receiving you statements thru the mail, they will do nothing to correct the situation Also, I want PNC to stop sending me statements in the mail I consider my account closed, balance paid in full, and if they are petty enough to hold it against my credit go ahead Hopefully, anybody reading this response can figure out who has integrity and who does not Regards, [redacted] PLEASE REFER TO COMPLAINT # [redacted] PLEASE ENTER INTO MY COMMENTS AGAINST THIS BUSINESS THAT A COMPLAINT WILL BE FILED WITH [redacted] THE [redacted] SO THAT THEY CAN REVIEW HOW I PERCEIVE I HAVE BEEN UNFAIRLY TREATED AND MISLED BY PNC FINANCIAL SERVICES GROUPTHEREFORE, PLEASE SEND ME MY FULL COMPLAINT FROM BEGINNING TO END INCLUDING THE BUSINESS' RESPONSES BY MAIL OR EMAIL SO THAT I CAN FORWARD MY ATTEMPTS TO RESOLVE THIS ISSUE WITH MY COMPLAINT TO THESE AGENCIESSEE PREVIOUS COMPLAINTI WANT ALL BALANCE DUES REMOVED FROM MY CREDIT CARD ACCOUNTI WANT THIS REMOVED FROM MY CREDIT HISTORYI WANT THE ACCOUNT CLOSED