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PNC Bank, N.A. responded to [redacted] on October 14, 2016, and considers this matter addressed

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.PNC has not provided a copy of the initial application with my signature.  PNC has not provided the name of the employee that allegedly assisted with the application for credit.  PNC provided me with a street address where the card was mailed that I have not used/lived at in 50 years.  PNC provided me with a incorrect mother's maiden name on the account.  A PNC bank employee opened up a credit card, in my name, without my permission.  PNC bears culpability and should cancel card and debt.
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.
Regards,
[redacted]From: [redacted]>Date: Sat, Aug 20, 2016 at 9:14 AMSubject: Re: Your complaint has been receivedTo: Revdex.com

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. 
Regards,
[redacted]

October 23, 2015
PNC Bank, N.A. responded to Mr. [redacted] on October 23, 2015, and considers this matter addressed.
Thank You,
[redacted]

PNC Bank, N.A. responded [redacted] on 3-2-17 , and considers this matter addressed

PNC Bank, N.A. responded to [redacted] on September 30, 2016 and considers this matter addressed Andrea M[redacted] Executive Client Relations

PNC Bank, N.A. responded to [redacted] on March 9, 2016, and considers this matter addressed.

Please be advised that while I was contacted by PNC (early December) to say that Melody H[redacted] would research and respond, she has not returned phone calls placed by my short sale...

representative.  Time is of the essence and PNCs failure to respond is unacceptable.  LOAN# [redacted] 
Regards,[redacted]

PNC Bank, N.A. responded to [redacted] on June 28, 2017, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on April 12, 2017, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on September 7, 2017 and considers this matter addressed.

To Whom It May Concern:PNC Bank, N.A. responded to [redacted] on May 6, 2016, and considers this matter addressed.Sincerely,  Andrea C[redacted] Executive Client Relations PNC Bank

PNC Bank, N.A. - Is responding to the customer directly on 01/19/2017 and considers this matter to be addressed.

PNC Bank, N.A. responded to Mr. [redacted] on August 28, 2015, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on July 3, 2017 and considers this matter addressed.

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.
This is in response to PNC's letter of June 26, 2017, and recent voice messages concerning my inquiries and complaints to the RevDex.com ("Revdex.com") (copied here). Not only are the facts in the response substantially false, but they do not speak to the fundamental issues involved here, which surround PNC's policies, compliance of those policies, and accountability of same.I made a payment to my account on its due date of May 20, 2017. There were continual issues with PNC's mobile app that day (this has been noted contemporaneously). Because of said issues, the payment was not submitted until after the cutoff time of 7:00 PM on May 20, 2017. The PNC representative I spoke with on that day coached me through making the payment via its website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed.On June 5, 2017, I advised the representative of my May 20, 2017 experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act (FCBA), I would institute proceedings to close my account.When speaking to Ms. M[redacted] on June 7, 2017, she credited my account the $25.00 late fee, and explained by admission, that what occurred on June 5, 2017 was not standard protocol or PNC's policy. And that PNC does does waive interest and not the late fees, not one or the other. Whether my inquiry to the RevDex.com prompted this response from PNC is unknown. But I was not advised that PNC was returning the late fee as a courtesy, but rather to be in compliance with the bank's own policy, which clearly was not carried out on June 5, 2017.While subjective, I would argue that PNC not complying with FCBA and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation or miscommunication, I can't imagine why the business has been so difficult to cure this issue and resort to falsities concerning the dispute. If PNC's position remains concerning reopening my account, which was only closed because of its miscommunication, non-compliance and/or misrepresentation of its own policy, I have no choice but to request that the Revdex.com document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three (3) major Credit Bureaus.
Regards,
[redacted]

February 13, 2017- Please accept this as an acknowledgement of receipt of the above referenced inquiry. PNC Bank has referred this inquiry to its affiliated broker-dealer for review and resolution directly with the customer. Thank you for bringing this matter to our attention.

On 6-29-2017, a second dispute was filed and provisional credit applied to customer's account. We provided this information to the customer. Per REG E regulations, there are timeframes for the dispute process. We are monitoring this until the final resolution

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.
[PNC did indeed try to contact me, and left a message on my phone...but never called back nor accepted my return calls.  On one occasion they again called to say that they were looking into the complaint and there was no reason for me to speak with them other then to provide new information.  Since this exchange I was charged again for a late fee of $35 for overdrawing from my account on the 8th of February.  The problem I have with this is that on the 7th, I had funds in the account, and on the web page from the bank I was informed that on the 8th they would draw an amount that would exceed the amount I had in the bank.  I purposely waited until the next day to deposit funds to see if the bank would again change the account in their favor. Sure enough, on the 8th, the same withdrawal I was warned about posted on the "7th"!!! I was immediately charged a late fee!  This is what I am talking about when I say underhanded.  If the charge posted on the 8th like the account page stated, I would have been able to deposit the funds without a fee.  Since they posted the withdrawal near midnight on the 7th, they could automatically charge me a fee.  They do this on an ongoing basis to thousands of people...look online and you will see forums of people complaining that PNC is unfairly charging late fees and posting withdrawals at near midnight so as to not allow for people to add funds in time!!! It is a legal scam they are putting on the people.  Anyone reading this, stay away from PNC!!!! ]
Regards,
[redacted]