PNC Financial Services Group

PNC has responded directly to the client and we have honored the request to refund the $fee Issue has been resolved

As there is no Authorization to Release on file, we will be responding directly to the customer

Tell us why here...PNC has contacted the client and resolved the issue [redacted] Executive Client Relations Office

Tell us why here...We reviewed excerpts from PNC’s Account Agreement for Personal Checking, Savings, and Money Market Accounts (“Account Agreement”) under the section titled Deposits, and PNC’s Consumer Funds Availability Policy to provide explanation to when his funds from a deposit are available We also provided a copy of the Consumer Schedule of Service Charges and Fees discloses that an incoming wire transfers will be assessed a fee of $

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 belowAs your records show, PNC refused to answer my original complaint, and you closed the complaint in December noting that the company failed to reply in a timely manner On January 5, the company decided it would finally respond both to the closed complaint and a complaint filed with the CFPB The statement that I was not qualified to receive the bonus because I applied before the offer was made is absolutely untrue, It is true that the direct mailing piece I submitted was mailed to me AFTER the credit card account had been opened, What the company does not say is the original offer appeared on their website, and it required a spend of $within days, The mailed piece I submitted required only a $deposit and was a later offer, and NOT the original offer, Further, with our FICA scores, (myself and my wife as well) we do not need any additional credit cards, and were perfectly happy with our existing *** and [redacted] cards, PNC solicited us via an email, not the other way around, and so we applied, For the bank to suggest we would apply for the card with no bonus offer is absurd, at bestIf I had the time, I would get the PNC webmaster to track down the original web posting, I should note that right now, in 2015, the bank is still offering a bonus for new card applicants, of $150, not $100, with a $ spend, Quite frankly, we can live without the bonus, since we had combined deposit accounts in excess of 400,at the time we applied for the card, and if the bank wants to treat high net worth depositors by trying to wiggle out of paying the bonus, so be it, I have closed my wife's credit card today, bonus or no bonus, and I am going to close mine shortly,We will eventually close the deposit accounts as well because PNC clearly does not want our business I can send you copies of all of the emails sent to and from PNC when we inquired about the missing bonus posting, and they would show that at NO TIME did any customer service agent state we were not eligible, These contacts go back to early October, That PNC would drag its feet and wait until Jan of this year to make this ridiculous excuse is beyond belief, but it is just not worth it to pursue this further, I am happy that your data base and that of the CFPB reflect these complaints, so that other consumers will think twice, I know that you have many other complaints about sales and advertising issues with this business, as does the CFPB so thanks again for your efforts, but it is time to move on Thanks again Dr [redacted] ***

To Whom It May Concern, PNC Bank received the complaint for Ms [redacted] on April 8, 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

RE: Revdex.com Complaint ID: [redacted] PNC Mortgage does not have a signed, written authorization from the mortgagor allowing us to release loan information to youTherefore, we will research your inquiry and provide our response directly to the mortgagorIf you receive a signed authorization from this mortgagor, you may fax it to our Customer Service department at [redacted] .Sincerely, [redacted] Consultant IEnterprise Escalation GroupIn support of MortgagePNC Bank

PNC was able to reach the customer directly to resolve this matter If you have additional questions, I can be reached at ###-###-#### Thank you, [redacted]

On Mon, Nov 24, 2014 at 8:06 AM, < [redacted] > wrote: Please update your files to show these complaints as closed and answered. # [redacted] - [redacted] -- no authorization on file. response letter sent to customer on 11-17-2014.

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.They claim they sent a letter that resolved the issue, yet, according to their customer service reps, this account shows active foreclosure rather than property redeemed case closedHow much more information do they need before they close the account? I'm sure you have received all the paperwork before but I will submit again Regards, [redacted]

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. As of 11/16/14, I have not heard from PNC Bank, and would give them permission to correspond with BBB. Regards, [redacted]

To Whom It May Concern, PNC Bank received the complaint for Ms [redacted] on December 4, We have evaluated the information and spoke to client to address her concernsWe do not have written authorization from Ms [redacted] to respond to your officeShould you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted] ***Executive Client RelationsPNC Bank

On Sat, Jan 17, at 4:PM, wrote:Regarding the Revdex.com Case # [redacted] filed by [redacted] ***, PNC has resolved this issue and corrected the credit bureau reporting as the customer requestedNotification of the correction was mailed to Mr *** on 1/16/ Please reflect this issue as resolved on you Revdex.com websiteThank You!! [redacted] Assistant Vice President Executive Client Relations PNC Bank

To Whom It May Concern, PNC Bank received the complaint for Mr [redacted] on December 18, 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, On 4/28/2015, PNC notified Ms [redacted] that the issue was resolved [redacted] 4/28/

We are working directly with the client to resolve this concern, and do not have third party authorization to release MB - 1/26/

PNC Bank, National Association (“PNC”) received the complaint for Ms*** on December 22, We have evaluated the information and mailed our response to the customer We do not have written authorization from Ms [redacted] to respond to your office Should you have any questions, please feel free to contact me directly at ###-###-####Thank You, [redacted] ***, MSWOfficerExecutive Client RelationsPNC Bank

To Whom It May Concern,PNC Bank received the complaint for Ms [redacted] We have evaluated the information and spoke to client to address her concernsWe do not have written authorization from Ms [redacted] to respond to your officeShould you have any further questions, please feel free to contact me at ###-###-####

As discussed via phone, I will be faxing over a police report of stolen cardI would also like it to be noted that PNC did not advise me to get a police report, even when I vividly asked on multiple occasions via phone with their representatives(they stated I did not have to get one and it didn’t matter whether I filed one or not) 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 itPNC has tried to use my statement against me about my pin #Yes, I stated I had it written downHowever, I also stated it was written down for PERSONAL USE, in my homeThey seem to be leaving that fact out and using my statement against me for their own gainSo claiming anyone could have gotten hold of my pin and that I just left it out in the open to be seen is highly incorrect and offensiveI would like to point out it was still NOT addressed through phone call from PNC on 1/22/15, about debt collecters calling me! And why I should owe them if they won’t even give me my $ back! This debt was quickly entered onto my credit report, before it was even solved and I cannot even go to another bank to open an accountThat is completely unfair to meAccounts were also closed before I even received notice in mail from PNCI spoke with Ms [redacted] 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 bankThe above statement I completely refute, because this is the entire reason I claimed fraudI viewed the images and those were not my checks nor my handwritingI made sure that was very clear my first fraud claim call and to everyone I spoke with thereafterAlso, I would like video footage to be requested from location fraud was done atIt is clearly seen I was nowhere near the scene, as I was at work during specific time fraud withdrawals/deposits were committed Additionally, there were undisputed items that occurred after the date Ms [redacted] indicated her card was lostPlease note, the above statementEverytime I have spoken with PNC corporate over the phone, this is the reason I was given for my disputes being denied, NOT THE PIN # STATEMENT, THAT THE BANK IS NOW TRYING TO USE AGAINST ME! I will be sending over all correspondence received through mail from PNC BankAll are dated and I will explain in detailI will also be sending over all transactions that were done that were fraudulent, as I specifically sat down with banker on 12/12/14, and we both assured that all transactions were correctly processed, as banker filed all claims herself So after 12/12/14, there should not have been ANY undisputed items that occurred after date I indicated my card was lostKind Regards, [redacted] [redacted] ###-###-####

To Whom It May Concern, PNC Bank received the complaint for Ms [redacted] on April 2, 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