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February 23, 2018[redacted]RE: Revdex.com of Western Pennsylvania - Case Number [redacted]Dear Ms. [redacted]:This is in response to your complaint filed on January 6, 2018, with the Revdex.com of Western Pennsylvania...

regarding your PNC Bank, National Association (“PNC”) Performance Interest checking account ending |4| (the “Account”). I attempted to contact you on January 8, 2018, but was unsuccessful in reaching you. I appreciate the opportunity to address your concerns.In your complaint you stated that in December of 2017, $252.00 in Overdraft Item fees were assessed to your Account. You advised that your mobile application showed a positive balance when you made the transactions causing the overdraft, which were held as "pending." You stated you have been unsuccessful in reaching PNC to obtain an explanation for the fees. You indicated that because these Overdraft Item fees caused additional overdrafts, you would like a refund in the amount of $252.00 for the fees assessed on December 6 and 8, 2017. PNC denies that any wrongdoing occurred, but, as a courtesy, has decided to honor your request.Pursuant to PNC’s Account Agreement for Personal Checking, Savings, and Money Market Accounts (the “Account Agreement”), in determining whether you have sufficient funds in your account to pay checks and other withdrawal items, PNC’s general practice is to consider (1) the deposits and withdrawals posted to the account that day, and (2) all pending electronic transactions (including, but not limited to, point-of-sale transactions) for which PNC has received notice, even if those transactions have not yet posted to your account. Pending transactions immediately impact the balance used to pay items presented for payment during nightly processing, and PNC’s general practice is to post items according to the date and time they were authorized or when PNC received notice of the transaction. We receive notice of transactions at various times throughout the day, and not necessarily in the order in which they occur.Finally, Overdraft Item Fees are only assessed on the posted items presented to your account against uncollected or non-sufficient funds.PNC researched your assertions regarding this matter and determined that Overdraft Item Fees were appropriately assessed on December 5, 6 and 8, 2017, as disclosed in the notices sent to your address of record. According to our records, on December 4, 2017, your beginning balance in the Account was $416.82. There were six (6) transactions totaling $71.58 that remained pending and reduced your available balance to pay items to $345.24. There was a deposit in the amount of $100.00 that increased the available balance to pay items to $445.24. Subsequently, there were eight (8) transactions totaling $476.04 presented for payment which resulted in a negative balance of -$30.80. One (1) $36.00 Overdraft Item Fee was appropriately assessed on December 5, 2017.On December 5, 2017, your beginning balance in the Account was $40.78. There were three (3) transactions totaling $52.61 that remained pending and reduced your available balance to pay items to -$11.83. Subsequently, there were three (3) transactions totaling $72.97 and the $36.00 Overdraft Item fee presented for posting which resulted in a balance of -$120.80. Three (3) $36.00 Overdraft Item Fees were appropriately assessed on December 6, 2017.On December 7, 2017, your beginning balance in the Account was -$176.19. There was one (1) credit transaction in the amount of $1.67 that remained pending and increased your available balance to pay items to negative -$174.52. Subsequently, four (4) transactions totaling $63.96 presented for posting which resulted in a balance of -$238.48. Four (4) $36.00 Overdraft Item Fees were appropriately assessed on December 8, 2017.It is PNC’s practice to refund any fee assessed as the result of a bank error, which did not occur in these instances. However, PNC is sympathetic to your concerns. On February 22, 2018, seven (7) $36.00 Overdraft Item fees totaling $252.00 and one (1) $15.00 Calculated Service Charge were refunded as a courtesy. These refunds are viewable through your online statements at www.pnc.com. Future refunds may not be granted unless the fees are the result of a bank error.PNC provides multiple methods to confirm the available balance at a given time. One method available to you is mobile banking. Please note that when signing into mobile banking, two balances are provided; a “Ledger Balance” and an “Available Balance.” Please refer to the “Available Balance” when initiating transactions for payment. Available balance is the balance that is available for immediate withdrawal from your Account. Available balance does not take into account deposits not yet available or items PNC has not received notification of, such as checks or check card purchases that settle for amounts different than the pending amount.Options such as Overdraft Protection and 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 to effectively manage the account and avoid the assessment of fees.Enclosed for your records are copies of the following:• Overdraft Notices dated December 5, 6, and 8, 2017• Checking Account Statement dated December 12, 2017Thank you for allowing me to clarify PNC’s position in this matter. If you have any further questions regarding this issue, please feel free to contact me directly at [redacted]. I am available Monday through Friday from 8:00 am to 4:45 pm, Eastern Time.Sincerely,Executive Client Relations Enclosures

n Thu, May 5, 2016 at 4:30 PM,  wrote:PNC Bank, N.A. responded to [redacted] on May 5, 2016, and considers this matter addressedJeanette [redacted] Bank Officer Executive Client Relations

October 19, 2016 PNC Bank, N.A. responded to [redacted]  on October 7, 2016, and considers this matter addressed. Thank you,CJ

PNC Bank, N.A. responded to Mr. [redacted] on August 15, 2015, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on December 12, 2016, and considers this matter addressed.

PNC Bank, N.A. responded to Mr. [redacted] on May 27, 2016, and considers this matter addressed. Thank you

April 29, 2016- PNC Bank, N.Aresponded to *** *** on April 26, and considers this matter resolved.? Thank you, Meghan J***

PNC Bank, N.Aresponded to Ms*** in writing on June 22, 2017, and considers this matter addressed

I am looking to be reimbursed from the insurance policy that was added to my account for the past 5yearsPNC added an insurance policy to my vehicle believing I didn't have insuranceI have made several attempts to supply the required documents but I continue to the run around from PNC.? My
payment was increased by a month..if I don't pay my full payment then I would get a late payment......I hope this answer your questions,

JME 9-11-“PNC Bank, N.Aresponded to? *** * ***? on? August 20, 2015? , and considers this matter addressed”

PNC Bank, N.A. responded to Mr. and Mrs. [redacted] on February 13, 2017, and considers this matter addressed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution will be satisfactory to me as soon as I receive a transcript of my loan. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I am unsure of how an...

$2,300 escrow shortage was even calculated or how my taxes for this year were calculated at over two times what they actually are.  No documentation was ever provided as to why this massive escrow increase occurred and I hope it doesn't happen again next year.
Regards,
[redacted]

Revdex.com:
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.
The business claims "THEY" reviewed the matter but I KNOW that there is video surveillance in every bank in this country and I KNOW that the video surveillance of the day I was in their bank and WAS SOLICITED to open this account, the manager who approached me stated to me AND confirmed AFTER I SPECIFICALLY ASKED HIM that the 0% interest was NOT introductory only!  I KNOW there is video/audio proof of this, so no I do not accept them saying they reviewed it and they don't feel they should honor my request to reimburse the interest they charged me!  Pull the video/audio surveillance of that day and let a mediator or a neutral individual review it because I am right!
Regards,
[redacted]

May 4, 2018[redacted]RE: Revdex.com - Case Number [redacted]Dear Mr. [redacted]:This is in response to your complaint filed on March 19, 2018 with the Revdex.com regarding your PNC Bank, National Association (“PNC”) SmartAccess Prepaid Visa Card ending in XXXX (“Card”). Thank you for taking the time to correspond with me via email and telephone on multiple occasions beginning March 23, 2018. I appreciate the opportunity to address your concerns.On January 3, 2018, PNC received a dispute from you alleging an error related to an ATM cash deposit in the amount of $XXX.XX that did not post to your Card on January 2, 2018. Upon receipt of this dispute, PNC began an investigation into the disputed transaction. Our records confirm, your PNC SmartAccess card ending in XXXX was closed on February 8, 2018.During our investigation into your disputed transaction, PNC determined that no faults or errors were present at the ATM in question during the time of the disputed transaction. As a result, on January 3, 2018, PNC denied your dispute and written notification of this was mailed to your address of record.On January 30, 2018, PNC received a dispute from you alleging an error related to an ATM cash deposit in the amount of $XXX.XX that did not post to your Card on January 1, 2018. Upon receipt of this dispute, PNC began an investigation into the disputed transaction.During our investigation into your disputed transaction, PNC determined that no faults or errors were present at the ATM in question during the time of the disputed transaction. As a result, on January 31, 2018, PNC denied your dispute and written notification of this was mailed to your address of record.As mentioned in my communication to you on April 13, 2018, an additional review of the disputed transaction was completed. Again, PNC found no error with the ATM in question during the time of the disputed transaction. I advised that if you were able to provide the exact time you attempted the transaction, PNC could review the matter further. You have indicated that you do not remember the time the transaction was attempted.Thank you for allowing me to clarify PNC's position in this matter. If you have additional questions regarding the matter, please contact me directly at XXX-XXX-XXXX. I am available Monday through Friday between the hours of 8:00 AM and 4:30 PM, Eastern Standard Time.Sincerely,XXXXX XXXXXExecutive Client Relations EnclosuresPNC Reference Number XXXXXXXXXXXX

March 24, 2017PNC Bank, N.A. responded to [redacted] on March 17 and 23, 2017, and considers this matter addressed.Thank you,ACB

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.The response from PNC that they responded to me on Nov 19 is not accurate. I did  not hear from PNC on that date!  There has been several attempts to reach out  to me but I have always been unsuccessful to reach a person on my returned calls always leaving a message. On Oct 19 they did credit my account by $476 but I still feel it is short by some $300-400. 
[redacted]

Revdex.com:
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.
[HiI do not understand how they have resolved the matter. The last person I spoke to Brett B[redacted] said that he will talk to his colleagues /others and get back to me. He did not get back. The lady Pam said that she will get her boss to contact me - he did not.Basically - the issue still remains. My old debt is not being paid off first ( as is the practice with all businesses - pay old debt first before new debt). No one has contacted me to resolve the matter - so I believe the issue still remains - unresolved.I am not surprised that the business responded like that - basically they have not been very helpful. To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

PNC Bank, N.A. responded to Ms. [redacted] on February 5, 2016, and considers this matter
addressed

“PNC Bank, N.A. responded to [redacted] on July 1, 2016, and considers this matter addressed” JT