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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,
*** ***

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 Tue, Dec 6, at 1:PM, *** *** ***> wrote:Hello ***We sincerely apologize for the delay on the case referenced aboveCould you please update your records for the case with the following response? PNC Bank, N.Aresponded to Mr*** on December
5, 2016, and considers this matter addressed. Thank you, Tonya Y***Quality Analyst, Executive Client RelationsPNC Bank, NA*** *** *** ***
*** ** ***

PNC Bank, N.Aresponded to *** *** on May 7, via phone and considers this matter addressedTell us why here

August 2, 2016PNC Bank, N.Aresponded to *** *** on August 2, 2016, and considers this matter addressed.Thank you,ACB

Good Afternoon PNC Bank, N.Aresponded to *** *** on February 23, and considers this matter addressed. ThanksLauren R***Executive Client Relations

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

PNC Bank, N.Aresponded to the Ms*** on August 19, and considers this matter addressed

PNC Bank, N.Aresponded to *** *** on December 29, 2015, and considers this matter addressed

PNC Bank, N.Aresponded to *** *** on June 8, 2018, via phone and considers this matter addressed

November 8, 2017*** * ***
*** *** ***
*** ** ***Re: Revdex.com Case Number ***Dear Mr***:This is in response to your complaint filed on September 6, 2017, with the Revdex.com regarding an external transfer made to your PNC Bank, National
Association (“PNC”) Performance Select Checking account ending in *** (the “Account”)I appreciate the opportunity to address your concerns.In your complaint you stated that on September 2, 2017, your son submitted a transfer in the amount of $through PNC’s Popmoney external transfer service (the “Transfer”)You continued to state that Popmoney is not a PNC product and that, while you agree that it was disclosed that it can take three (3) business days to transfer using this service, you feel that since it is an internal PNC transfer it should occur immediatelyYou assert that the Popmoney feature is a fraud and that PNC is holding the money for a profitYou demanded a total of $be deposited into your Account immediately, with $being the amount of the transfer and the additional $being a request for compensation for the time it took to processPNC denies that any fraud or wrongdoing occurred.PNC’s Online Banking: User Guide (“User Guide”), which is part of in PNC’s Online Banking Service Agreement (“Service Agreement”) available at www.pnc.com, under “Transfer of Funds” provides information regarding internal and external transfersWe disclose in the “Schedule an External Transfer” section that external transfers take three (3) business days to complete, beginning the business day after the transfer is completedA table detailing funds availability is located within the “Schedule an External Transfer” tab, and can be reviewed online.While a Popmoney transfer may occur from one PNC account to another PNC account, it is still considered an external transfer and is processed in accordance with PNC’s External Transfer guidelines.Also, located in the Service Agreement is a description of the External Transfer service offered by PNC which states that PNC’s External Transfer Service via online banking is offered by PNC bank and the third-party company, CashEdge IncFurther, it states that the External T ransfer service offered by PNC and CashEdge Inc, “allows you to transfer funds to or from your Eligible Accounts held at PNC and most other accounts held by you at other U.Sfinancial institutionsThe Service also includes the optional capability to electronically ‘Send Money’ to friends, family and other associates with banking accounts held at PNC Bank or other U.Sfinancial institutionsYou do not have to be an owner of the account to which you are sending money using the ‘Send Money’ feature.” Enclosed for your reference is a copy of the Service Agreement.PNC reviewed your assertions regarding this matter and determined that, in accordance with our External Transfer guidelines, the above referenced transfer was credited to your Account appropriatelyOur records indicate that on Friday, September 1, 2017, a Popmoney transfer was initiated to be received by your AccountPursuant to the External Transfer guidelines, the funds were available in your Account on Thursday, September 7, 2017, which was the third business day after the Transfer was initiatedDue to a federal holiday, which is not considered a business day, the transfer appropriately took one additional day.No bank error occurred in the processing of the Popmoney transfer, therefore PNC respectfully declines your request for compensation in the amount of $100.00.PNC does offer additional options for making transfers between PNC accounts, some of which provide immediate access to fundsTo discuss these additional options, please contact our Customer Care Center at *** or your local branch.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 BHIBI am available Monday through Friday from 8:AM to 4:PM, Eastern Time.Sincerely,Executive Client Relations PNC Reference Number

PNC Bank, N.Aresponsed to *** *** on January 5, and considers this matter addressed

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

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

PNC Bank, N.Aresponded to Ms*** on August 19, 2016, and considers this matter addressed. No new information provided

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,
*** ***

PNC Bank, N.Aspoke with *** *** on April 27, 2018, and considers the matter addressed. Thank you

PNC Bank, N.Aresponded to *** *** on May 24, 2017, and considers this matter addressed. Thank you and have a nice day. Jasmine T***Executive Client Relations OfficerAssistant Vice President

On Fri, Sep 2, at 1:PM, *** *** * ***> wrote: Hello *** PNC Bank, N.Ahas responded to *** *** on September 2, and considers this matter addressed. Thank you, Meghan J***Executive Client Relations, AVP