Home Satellite

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution of mailing the 2nd check to me on 3/is satisfactory to me, given that the check has been received on Monday 3/20/
Regards, *** ***

PNC Bank, N.Aresponded to *** *** on August 16, 2017, and considers this matter addressed

March 2, 2018*** *** *** *** *** *** *** *** **
***RE: Revdex.com - Case Number ***Dear Mr***:This is in response to your complaint filed on January 19, 2018, with the Revdex.com regarding your Spend account ending in XXXX (the “Account”), which is part of your PNC Bank, National Association (“PNC”) Virtual Wallet Thank you for taking the time to speak with me on January 23, I appreciate the opportunity to address your concerns.In your complaint, you stated that two weeks after you deposited your check, it was taken from your Account without any notice or your approvalAs a result, you indicated that your Account was assessed overdraft feesYou explained that you called PNC immediately and were advised to follow up with the bank that issued the check, ***, in order to reach resolution but the funds have not been returned to your AccountYou have requested that PNC return $XXX.XX to your Account.Pursuant to PNC’s Virtual Wallet Fine Print (the “Account Agreement”), in the section titled Collecting your deposits, when you make a non-cash deposit, we post it to your account, but this credit is dependent on receiving final paymentIf you make a deposit that will not be paid - for example, if you deposit a bad check or we don’t received final payment for electronically deposited funds - we will withdraw this amount from your account plus any interest you’ve earnedIf this causes your account to be overdrawn, you must also pay the amount of the overdraft immediately, as well as the overdraft charges.PNC has reviewed your concerns and determined that the funds from the your deposit were appropriately debited from your Account on November 6, Our records indicate that on October 2, you deposited check number XXXX, in the amount of $XXX.XX to your Account using PNC Mobile DepositOn November 6, 2017, a debit was processed on your Account in the amount of $XXX.XX as PNC Bank was notified that this same check had been previously been cashedAs a check can only be negotiated one (1) time as tender, PNC debited the funds from your Account.Our review further confirms that on November 7, 2017, the Account was assessed four (4) $XX.XX Overdraft Item Fees as a result of the $XXX.XX debit processed on November 6, It is PNC’s practice to refund any fee assessed as the result of a bank error, which did not occur in this instanceHowever, PNC is sympathetic to your concernsAs a courtesy, PNC issued a refund on November 7, 2017, for the four (4) $XX.XX Overdraft Item Fees, totaling $XXX,XX, assessed to your AccountFuture refunds may not be granted unless the fees are assessed as the result of a bank error.PNC respectfully suggests that you follow up with the bank that issued the check, ***, or your employer, in order to reach a resolution.Thank you for allowing me to clarify PNC’s position in this matterIf you have any further questions regarding this issue, please feel free to contact me directly at XXX-XXX-XXXX, extension XXX-XXX-XXXXI am available Monday through Friday from 8:am to 5:pm, Eastern Standard Time.Sincerely,XXXXXXXX XXXXXPNC Executive Client RelationsPNC Reference Number XXXXXXXXXXXXMember of The PNC Financial Services Group, Inc Smithfield Street Pittsburgh Pennsylva

On Tue, Feb 21, at 3:PM, J*** *** ***> wrote:Hello ***, Thanks!! PNC Bank, N.Aresponded to *** * *** on February 21, 2017, and considers this matter addressed. Cheryl J***Assistant Vice President

PNC spoke with Ms*** on April 5, 2018, and considers the matter addressed. Thank you

on June 8, PNC responded to the customer and considers the matter resolved

PNC Bank, N.Aresponded to Mr*** on May 17, and considers this matter addressed

PNC Bank, N.Aresponded to *** *** on 4-28-17, and considers this matter addressed

May 11, 2017PNC Bank, N.Aresponded to *** ** *** on May 10, 2017, and considers this matter addressed.Thank you,ACB

PNC Bank, N.Aresponded to *** *** on December 28, 2015,
and considers this matter addressed

September 9, 2016Dear Ms***PNC Bank, N.Aresponded to MsT*** *** *** on September 9, 2016, and considers this matter addressedSincerely,Lisa M***Executive Client Relations

October 10, 2017*** * *** *** ** *** *** *** ** ***Re: Consumer Financial Protection Bureau Complaint #
Office of the Comptroller of the Currency Complaint# Revdex.com of Western Pennsylvania Complaint # ***Dear Mr***:This is in response to your complaints filed on August 14, 16, and 27, 2017, with the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau, and the Revdex.com of Western Pennsylvania, respectively, regarding your PNC Bank, National Association (“PNC”), Standard Checking account ending in *** (the “Standard Checking Account”) and Business Checking account ending in *** titled as *** *** * *** *** (the “Business Checking Account”) (collectively, the “Accounts”)Thank you for taking the time to speak with me on August 29, 2017, regarding your complaints and I appreciate the opportunity to address your concerns.In your complaints you stated you accepted a part-time position with a company that required you to accept US Postal Money Orders, deposit them into your account, and then withdraw the funds and send the proceeds to a third partyYou indicated that between July 5, 2017, and July 13, 2017, you deposited several money orders to your AccountsYou further stated that on July 14, 2017, you were informed that these money orders were being returned as fraudulent items and you would be responsible for the resulting negative balance in your AccountsYou are requesting to have at least $2,returned to you.As disclosed within PNC’s Account Agreement for Personal Checking, Savings and Money Market Accounts and the Account Agreement For Business Accounts (collectively, the “Account Agreements”), all non-cash deposits are posted to your Account subject to our receipt of final paymentIf we receive notice that an item is being returned to us unpaid or if final payment is not received, or if an item is returned after final payment, we will charge your Account for the amount of those deposits, for any interest earned on those deposits and for our return of deposited item charge as well, even if those deposits have already been made available to youIf this charge creates an overdraft, you agree to pay us the amount of the overdraft immediately and we will charge your Account a service charge for the overdraft.PNC researched and reviewed your assertions and determined that PNC followed PNC procedure regarding this matterAccording to our records, between July and July 13, 2017, you deposited nine (9) United States Postal Money Orders totaling $8,to your Standard Checking AccountThese money orders were all returned as counterfeit between July and July 27, Nine (9) $Return of Deposited Item Fees, totaling $108.00, were appropriately assessed on July 17, July 26, and July 27, On August 1, 2017, a direct deposit of $3,was credited to your Standard Checking Account reducing the negative balance to $5,278.63.As disclosed in PNC’s Consumer Schedule of Service Charges and Fees and Business Checking Accounts Related Charges - Additional Services and Options (the “Fee Schedules”), a $per day Continuous Overdraft Fee is assessed for each day the account remains overdrawn after or more calendar days, up to a maximum of $This fee is in addition to any other fees assessed for the overdraft.The Standard Checking Account remained overdrawn and fourteen (14) $Continuous Overdraft Fees were appropriately assessed between July 24, and August 7, 2017, totaling $On August 9, 2017, a direct deposit of $1,was credited to the Standard Checking Account reducing the negative balance to $4,As no further deposit was made, on August 28, 2017, PNC closed your Standard Checking Account with a balance owing of $4,092.58.On July 7, you deposited two (2) Money Orders each in the amount of $986.00, to your Business Checking Account, totaling $1,These items were returned as counterfeit on July 20, 2017, resulting in a negative balance of $1,The Business Checking Account remained overdrawn and eleven (11) $Continuous Overdraft Fees were appropriately assessed from July 24, 2017, through August 7, 2017, totaling $As no further deposit was made, on August 8, 2017, PNC closed your Business Checking Account with a balance owing of negative $1,983.80.Regarding your comments on Federal Deposit Insurance Corporation (“FDIC”) insurance, FDIC insurance is utilized in the event a bank failsA bank failure is the closing of a bank by a federal or state banking regulatory agency, generally resulting from a bank's inability to meet its obligations to depositors and othersIn the unlikely event of a bank failure, the FDIC acts quickly to ensure depositors get prompt access to their insured depositsFDIC deposit insurance covers the balance of each depositor's account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closingFDIC insurance coverage does not cover losses as a result of fraud on individual customer’s accounts.It is PNC’s practice to refund any fee assessed as the result of a bank error, which did not occur in this instanceHowever, PNC is sympathetic to your concernsOn July 24, 2017, two (2) $Overdraft Item Fees totaling $were refunded to your Standard Checking Account and on August 4, 2017, eleven (11) $Continuous Overdraft Fees totaling $were refunded to your Business Checking AccountAs an additional courtesy, on October 2, fees totaling $were refunded to the Standard Checking Account reducing the balance owed to $3,and fees totaling $were refunded to the Business Checking Account reducing the balance owed on that to $1,You may contact our Recovery Department at *** to discuss the balances that remain owing.Enclosed for your records are copies of the following• Account Agreements• Fee Schedules• Standard Checking Account Statements dated June 30, through August 28, 2017•Business Checking Account Statements dated July 1, through August 8, 2017On behalf of PNC, I apologize for any inconvenience you have experienced with this matter and I appreciate the opportunity to clarify PNC’s positionIf you have any additional questions or concerns, please call me toll free at ***My extension is ***, and I am available Monday through Friday from 8:AM to 5:PM, Eastern Standard Time.Sincerely,Executive Client RelationsPNC Reference Numbers

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

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my
complaint. For your reference, details of the offer I reviewed appear below.The only response that I have received from PNC was several voice mails asking me to call them to discuss the matter further. I believe I was fairly straight forward with the resolution from PNC requested - because of the poor customer service I received from PNC after opening my two accounts (weeks to get checks and ATM cards, and then only after complaining to a Regional Manager), I wanted to close the two accounts that I had opened without being penalized and being charged a $fee by PNC for an "early account closing." If the customer service that PNC had provided would have been anything but substandard, I would not want to close these accounts. As a customer, I don't appreciate being "held hostage" by PNC when they don't fulfill their very basic responsibilities. Again, until PNC waives the $early account closing fee, this issue is not in any way, shape, or form resolved. A simple call from PNC stating that they are waiving this fee will be the only acceptable resolution to this issue. Regards,*** ***

PNC responded to Ms*** ***'s concerns on January 11, 2017, and considers the matter addressed

PNC Bank, N.Aresponded to *** *** on August 11, 2017, and considers this matter addressed

PNC Bank, N.Aresponded to *** *** on June 7, and considers this matter addressed

To Whom It May Concern:PNC Bank, N.Aresponded to *** *** a on June 17, 2016, and considers this matter addressed.Sincerely,Joseph L*** Bank Officer Executive Client Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
PNC has not responded and the matter has not been addressedI never received my sign up bonusThey've been harassing meIt's a huge mess
Regards,
*** ***

December 18, 2015PNC Bank, N.Aresponded to *** *** on December and 18, 2015,
and considers this matter addressed.Thank you,ACBPNC Bank