PNC Financial Services Group

On Sun, Dec 28, at 12:PM, < [redacted] > wrote:PNC Responded to the customer on 12-23- Please update your records [redacted] Assistant Vice PresidentExecutive Client Relations Enterprise Escalation Group [redacted] *** *** [redacted] [redacted]

January 5, 2015 [redacted] ***Re: RevDex.com - Case Number: [redacted] Dear Mr. [redacted] :Please allow me to respond to your complaint filed on December 1, 2014 with the BetterBusiness Bureau (“BBB”), regarding a short sale on a property PNC Bank, National... Association(“PNC”) has a lien on. I appreciate the opportunity to address your concerns.For privacy reasons, PNC cannot provide information regarding an account that you are notassociated with. I have attempted to contact you by phone and through email and have notbeen successful.Thank you for allowing me to clarify our position. Should you have additional concernsregarding this matter, please contact me directly at ###-###-####, extension ###-###-####,Monday through Friday between the hours of 8:30 a.m. and 5:00 p.m. Eastern Standard Time.Sincerely, [redacted] ***Executive Client RelationsEnterprise Escalation GroupCC: BBB Case Number 10324170

PNC Mortgage is in receipt of your inquiry dated October 28, 2014 sent to the RevDex.com (BBB) regarding the referenced loan. In your correspondence, you state your dissatisfaction with our October 24, 2014 response. Specifically, that we did not address your concerns that your loan is about eight years old, and we extended the maturity date to another 30-year term without your consent. You also state that when we modified your loan we added fees and interest, and because of this the loan amount was higher than when the loan was first originated. We regret if our October 24, 2014 response (copy enclosed) was not clear. Our records show that the type of loan you have is through the U. S. Department of Veterans Affairs (VA) which had a 30-year term at the time it closed on August 17, 2010 with a fixed interest rate of 5% and a loan amount of $232,271.00. As indicated in our October 24, 2014 response, our records show that we spoke with you on September 18, 2014 and verbally informed you of the terms of the loan modification. Our records do not show that we informed you that the maturity date would not change. Based on the information you provided, your net monthly income was $ [redacted] and monthly expenses were $***. The modified monthly payment amount of $1,449.98 is deemed an affordable payment by loan guidelines. At the time of the modification all past due payments and fees are added to the new unpaid principal balance, which is within VA guidelines. More specifically, at the time of the modification your loan was due for the October 2013 payment, and past due payments and fees are not forgiven, which is the reason the modified loan amount increased from the origination in August 2010. Additionally, according to the VA guidelines the term was extended to a 30-year term and there was no other option available at the time that your loan was modified. We received the signed loan modification (copy enclosed) documents with an interest rate of 4.75% on October 1,2014. On October 8, 2014, our records show that we waived $296.55 in late charges and $156.00 in property inspections. Also reflected in our October 24, 2014 response the loan modification documents were mailed to your residence in September 2014. PNC Mortgage received the properly signed documents in our office on October 1,2014. Your signature was witnessed by a notary; therefore we deemed the signature was valid and indicated your agreement to the terms of the modification. As a result the loan modification was completed with your knowledge and per your request. Should you have any further questions or concerns regarding this matter, please call our Customer Service Help Desk at ###-###-####.

PNC has responded directly to the customerNo release was provided

PNC did not receive a signed authorization from MrNave to release information to a third partyWe have responded to Mr [redacted] directly in writing as of February 27, ASC

To Whom It May Concern, We did not receive third party authorization allowing us to discuss this issue with the Revdex.com We have contacted our client and resolved this issue directly with the client [redacted] ***Executive Client Relations, AVP

PNC Bank, National Association (“PNC”) received the complaint for Ms [redacted] on March 04, We have evaluated the information and have spoken with the customer to address her concerns 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] ***, MSWExecutive Client Relations OfficerEnterprise Escalation GroupPNC Bank

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

[redacted] 10-29-14 PNC is working directly with customer

I had three account s with PNC bank a money market account , a credit line ,and an interest checking account where my employer directly send my p[paycheck to this account ending with [redacted] In occasions where I was short of funds to pay me expenses from the interest checking I had the system setup to transfer the funds from my money market account to my interest checking accountThe bank charges me $per transaction Few months ago I close the money market account and I asked the bank to provide me with overdraft protection through my credit line Couple of months ago the I discovered that the bank charged few fees each one was for $which added to couple of hindered dollarI called the bank and I asked them to explain what happened, they said that I did not choose overdraft from my credit line, they said that I signed up for what is called ooverdraft protection draftAt that time I thought was not clear of what I informed the bankso I did not argue with them and I asked them to please change the overdraft protection to my Credit lineThe bank promised to do, so and they did Last week , the same thing happened discovered that the bank charged my Over Draft protection fees nineteen times each time was in the mount of $, all happened between 9/and 9/Apparently my check came in late again and the bank did not use my credit line again to cover the costI called the bank couple of days ago and they said that the credit line was suspendered , this is they chose to cover my charges using the Oof overdraft protection, the same option I asked the bank to remove for the second time when they were told to use my credit line not the banks’ overdraft protection service So the bank charged me $two to three times some time for buying a cup of coffee or a sandwich Here are my issues: The bank should have connected my overdraft to my credit line first time I asked them The bank should have removed the option of overdraft protection( o)option as I requested after I had my self covered using my credit line The bank claims that they notified me of the suspension of my credit line, which I never received any written of verbal notification Even if my credit line was suspended the overdraft protection service from the bank should have been removed over a month ago The bank stands to make $ per transaction every time they charge my credit line, and they charge $per transaction every time their overdraft protection service is used I am asking that all the charges to be resorted

Provided a detailed explanation to consumer of past loss mitigation effortsMore specifically that PNC does not accept partial payments unless prior arrangements have been made with our Collection or our Loss Mitigation departmentsConsumer was on a Repayment Plan and timely payments were made Advised consumer to reference the Repayment Plan because it was agreed we would continue to report the account as delinquent to the credit reporting bureaus until the loan was brought currentAlso, informed consumer that late charges were not assessed during the period they were making payments in accordance to the Repayment Plan.Informed consumer that payment did not increase prior to the Repayment PlanThe last escrow analysis was completed on July 17, 2013, and the new payment effective September 1, was $1,However, once the Repayment Plan was completed in October and regular payments resumed in November payment decreased to $1,because payments were made reducing the escrow shortage from the last escrow analysis Informed consumer that loan is current therefore escrow analysis was generated and new payment effective May 1, will be $1, Letter mailed to consumer on April 3,

Please feel free to call me at ###-###-#### if you need any more from me Thank You [redacted]

PNC has woeked directly with the customer for resolution of this issue

On April 23, 2015, we resolved the issue to the customer's satisfaction He has the contact number if he has any further issues thank you [redacted] for [redacted] 4-27-

February 20, 2015 [redacted] Re: RevDex.com (“BBB”) Complaint No. [redacted] Dear Ms. [redacted] , Please allow me to respond to your complaint filed on January 29, 2015 with the RevDex.com (“BBB”) regarding your PNC Bank,... National Association (“PNC") auto loan ending in *** (“Account"). I appreciate the opportunity to respond. Our records indicate that on November 10, 2014 a payment in the amount of $536.84 was due. It is PNC’s practice to call borrowers if a payment has not been received by the due date. When PNC did not receive payment by that date, PNC attempted to contact you. I apologize if you feel our telephone calls were excessive. Per your written request, we have removed your phone number from our records and marked our files with your request to cease collection attempts by phone. Please note that while phone calls will cease if a Cease and Desist is placed, you are not relieved of your obligation to pay this debt. Thank you for your time in allowing me to clarify our position. I attempted to contact you on January 29, and February 4, 2015 via phone and email to ensure your satisfaction with this resolution, however I was unsuccessful in reaching you. If you have any additional questions or concerns, or would like to further discuss your experience, I welcome the opportunity to speak with you. Please call me toll free at ###-###-####, my extension is ###-###-####, which is also my direct phone number. I am available Monday through Friday from 9:00 AM to 5:30 PM, Eastern Standard Time. [redacted] *** Officer / Customer Relations Manager Executive Client Relations

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 belowThis business is constantly doing this and caused me to be in foreclosure before when they received my payments and refused to apply it now they do the same thing after they cashed both checks for February and MarchThey mailed me a letter over a year ago when they did the same thing stating my credit was being updated and they never didMy credit report still shows four months in row being past due in when it was no fault of minePNC said they would fix it but the report was just pulled a few days ago and is still reflecting being paid negativelyI want it fixed asap and another letter sent showing that those negative payment history were falsely reported and removed Regards, [redacted]

3-11-- JLH - Issue resolved directly with client Did not have authorization from client to provide details to Revdex.com

Tell us why here...We were told by [redacted] ***, Branch Mngr of PNC Bank in [redacted] that she will set in motion to have every transaction looked at to see who stold my money She was going to request this be done starting in Sept of through of May of She told us this will be done and will take a while because of all the work involved She told us this on June 6, On June 6, I cancelled my bank card so no more transactions could be made I told [redacted] at this time That on occasions my hands were full so I handed my friend my debit card for them to take out some money at an ATM I was standing right beside him and never, never did I give my debit card to anyone and told them to take some money out with out me being there I was standing beside the person different times I explained in detail to Ms *** that I never, never gave my card to anyone to take out money without me being there On June 13, a letter was send to me stating that my PNC banking card and personal PIN number was used in the transactions in question and that I did not notify PNC bank that since I authorized another person to use my card I did not tell them that I revoked this privledge So because of this they are denying reimbursement I told Ms *** again and again that I did not authorize another person to use my card other than those times I was with them and was very clear to my friend he was never to use my card again I explained this again and again to Ms *** I did tell PNC bank that I revoked my friend using my card My dad ***, called PNC Bank when we received the letter dated June and filed a complaint stating that [redacted] revoked his friend from using his card and stated this on many occassions We are still at a standstill PNC Bank will not listen and my dad received another letter dated July 21, staing the same exact thing as above They are denying reimbursement because [redacted] did not notify PNC Bank that he revoked his authority for his friend We told them on the initial meeting and my dad also told them when he called to issue a formal complaint but PNC Bank keeps saying I did not tell them that I revoked to my friend and I did repeatedly..but they will not listen PNC Bank gave my dad a very hard time and would not listen to anything he said Both my parent's name is on my account Any help you can give me would be greatly appreciated The money stoled is around $30, Thank you for any help [redacted]

This issue has been resolved directly with the client Thanks [redacted] Executive Client Relations Specialist P9-PSFD-03- Smithfield St3rd Fl Pgh PA Ph# ###-###-#### Fax# ###-###-####

I have reviewed the response made by the business in reference to complaint ID [redacted] In addition to that response, the business contacted me, admitted they were in error and sent me a check for $to cover the costs of fees and some of my time/gas for this experience they caused with their bounced check And, I find that this resolution is satisfactory to me Regards, [redacted]