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PNC Bank, N.Aresponded to *** *** on May 31, via email and considers this matter addressed

PNC Bank, N.Aresponded to *** *** on January 31, 2016, and considers this matter addressed

jme 1-20-PNC Bank, N.Aresponded to *** *** on January 20, 2016, and considers this matter addressed

PNC Bank, N.Aresponded to Thomas Hudson on May 31, 2017, and considers this matter addressed

PNC does not have a signed release from the customer in order to provide the Revdex.com a responseWe will attempt to communicate resolution directly with the customer- DMB 4/5/

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

November 16, 2016, PNC Bank, N.Aresponded to Mr. *** on November 1, and considers this matter addressed. Thanks Lauren R***Executive Client Relations

On Tue, Mar 7, at 3:PM, *** *** * *** ***
** *** I hope your day is going well. PNC Bank, N.Aresponded to *** *** on March 7, 2017, and considers this matter addressed. Can you please update the case from unanswered to
answered? Thank You,Rebecca K***Executive Client Relations

Good Afternoon PNC Bank, N.Aresponded to *** *** on February 23, and considers this matter addressed. ThanksLauren R***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
I would like a written response with details to ensure transparencySimply indicating that you have responded is not a response
Regards,
*** ***

To Whom It May Concern:
PNC Bank, N.Aresponded to *** *** on November 3, 2015, and considers this matter addressed
Sincerely, Andrea C***Executive Client RelationsPNC Bank

On Wed, Aug 31, at 4:PM, *** *** * ***> wrote:Hi *** Can you please update this case to reflect the following: PNC Bank, N.Aresponded to Dr*** on August 31, 2016, and considers this matter addressed. Thank you,Ann Ann * ***Assistant Vice President Client Relations ManagerExecutive 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
Regards,
*** ***I wish to offer my response to the answer given to my complaintTheir response was no responseI asked for answers to why I was lied to and de-humanized by their company while trying to do business with themThe only response I received was an insincere apology with no attempt to explain the actions their employees took regarding my requestsI was not informed of any actions taken towards their employees nor was I informed of any steps taken to prevent a situation re-occurring to others in the futureTheir total lack of concern leads me to believe that the actions the employees performed are the rule and not the exception. Thank You for Your Time, God Bless *** ** ***

On Mon, Aug 29, at 10:AM, wrote:Hello Patty, PNC Bank, N.Aresponded to *** *** *** in writing on August 29, and considers this matter addressed Thank you and have a great week, Meghan J*** ***
*** Executive Client Relations, AVPPNC Bank

On Tue, Mar 7, at 12:PM, *** *** * *** wrote: Dear Ms*** PNC Bank, N.Aresponded to Ms*** *** on March 7, 2017, and considers this matter addressed. Sincerely, Lisa M***Client Relations ManagerExecutive Client Relations

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

PNC Bank, N.Aresponded to *** *** on May 31, 2017, and considers this matter addressed

This is in response to your complaints filed on February 15, 2018, with the Consumer Financial Protection Bureau and on March 22, 2018, with the Revdex.com of Western Pennsylvania regarding the Spend account ending in * (“Account”) which is part of your PNC Bank, National Association
(“PNC”), Virtual Wallet with Performance SpendThank you for taking the time to speak with me on February 20, I appreciate the opportunity to address your concerns.In your complaint, you expressed concern regarding how transactions are processed to your Account as well as subsequent overdraft fees that have been assessed to your Account.Pursuant to the Virtual Wallet Fine Print (“Account Agreement”), which was provided to you at Account opening, under the section titled Withdrawing Money, PNC's general practice is to first add deposits (credits) to your Account, and then subtract withdrawals (debits) from your AccountTransactions are ordered according to the date and time the bank receives notice of the transactionWe receive notice of transactions at various times throughout the day, and not necessarily in the order in which they occurIf multiple transactions are received at the same time, or are grouped together and contain no time, then the items will be processed in order of sequence number or, if no sequence number is available, largest- to-smallest dollar amountFinally, Overdraft Item Fees are only assessed on the posted items presented to your account against uncollected or non-sufficient fundsA copy of the Account Agreement has been enclosed for your records.While no specific Account activity was referenced in your complaint, my review of your recent Account history confirmed that on February 13, 2018, your Account had a beginning available balance of $350.40.Two (2) pending debit transactions totaling $reduced your available balance to pay items to $Subsequently, five (5) debit transactions totaling $presented to your Account for posting resulting in an overdrawn Account balance of -$Two (2) of those five (5) transactions overdrew your Account and as a result, two (2) $Overdraft Item Fees were appropriately assessed to your Account on February 14, 2018, as disclosed in the notice you received.On February 14, 2018, your Account had a beginning overdrawn balance of -$In addition, one (1) deposit in the amount of $increased your available balance to pay items to $Subsequently, two (2) $Overdraft Item Fees assessed from the previous day's Account activity, one (1) $ATM Withdrawal Fee and four (4) debit transactions totaling $presented to your Account for posting resulting in an overdrawn Account balance of -$Of those four (4) debit card transactions, one (1) of the transactions overdrew your Account and as a result, one (1) $Overdraft Item Fee was appropriately assessed to your Account on February 15, 2018, as disclosed in the notice you received.On March 19, 2018, your Account had a beginning available balance of $1,One (1) pending debit transaction in the amount of $reduced your available balance to pay items to $1,Subsequently, seven (7) debit transactions totaling $1,presented to your Account for posting resulting in an overdrawn Account balance of -$Of those seven (7) transactions, one (1) of the transactions overdrew your Account and as a result, one (1) $Overdraft Item Fee was appropriately assessed to your Account on March 20, 2018, as disclosed in the notice you received.On March 20, 2018, your Account had a beginning overdrawn balance of -$Two (2) pending debit transactions totaling $further increased your overdrawn Account balance to -$In addition, one (1) deposit in the amount of $increased your available balance to pay items to $Subsequently, one (1) $Overdraft Item Fee assessed from the previous day's Account activity and two (2) debit transactions totaling $presented to your Account for posting resulting in an overdrawn Account balance of -$As a result, two (2) $Overdraft Item Fees were appropriately assessed to your Account on March 21, 2018, as disclosed in the notice you received.It is PNC's practice to refund any fee assessed as the result of a bank error, which did not occur in these instancesPNC offers customers a courtesy credit for one (1) NSF fee every twenty-four monthsOur records indicate that your Account received courtesy credits on October 10, 2016, January 10, and July 31, Therefore, PNC respectfully declines your request for fee refunds.Your PNC Virtual Wallet includes Overdraft ProtectionIf you overdraw your Spend account (the Protected Account), we will transfer available funds from your Reserve, Growth or other designated PNC account (the Protecting Accounts) to cover the transactions creating the overdraftFor more information, please refer to the section entitled “Overdraft Protection Agreement” within your Account Agreement.PNC Alerts, which in addition to keeping your Account register up to date, recording purchases as they are made, and maintaining a positive Account balance, may help you effectively manage the Account and avoid the assessment of fees.Enclosed for your reference are copies of the following documents:• Virtual Wallet Fineprint• Overdraft Notices dated February and 15, and March and 21, 2018Thank you for allowing me to clarify PNC’spositionin this matterIf you have additional questions or concerns, please contact me directly at ***I am available Monday through Friday between the hours of 8:AM to 4:PM, Eastern Standard Time.Sincerely,Executive Client Relations Enclosures

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 PNC did contact me and stated that they will be working on the issue I am still waiting for them to return my moneyThis response from PNC does not resolve my complaintIt will be resolved when I get my money back I was told that I was not the only one complained but there was nothing they could do to expedite the processIt took a second for them to take my money and will take at least weeks to return itThey tried to blame me for not contacting their 3rd party payer,stating that that was my responsibility, but could not confirm that they have this kind of statement anywhere on their policiesI was not informed that I needed to contact their 3rd party to stop payments, neither on the final confirmation letter or any other communicationI still think that is done on purpose and should be legally stopped Again, I really appreciate your help with this.
Regards,
*** ***

On Thu, Sep 8, at 11:AM, *** *** * ***> wrote: PNC Bank, N.Aresponded to Ms *** on 9-7-and considers this matter addressed” Deborah S*Executive Client Relations Quality Analyst