Phillips Trenching & Well Drilling

I contacted PNC Executive Client Relations today and was patched through to Kim C[redacted], the representative tasked to investigate my case. She said that she had "finished the research" and would pass the completed investigation to legal in order to make a decision. She said that if I was reimbursed...

for these debits (which she did not total) there would be two things that could pose a problem. One was that there is a tying period where I had to alert PNC to any discrepancies on my statements within forty (40) days of the day the statement was issued. I told C[redacted] that that was not fair that I would be penalized because I submitted a signature card and PNC did not follow through with taking my mother's name off my account. Second, she said because my mother is on the statements that might also pose a problem (she did not explain why). She said I should have an answer within 3-4 days, so I should hear back from her by Monday, March 7.Before I was patched through to C[redacted], "Janet" told me that a signature card was not sufficient to remove my mother from my account, and that the teller that told me this back in 2012 had "mis-communicated" with me.  She said I should have closed the account and opened a new one. I told her that the signature card had taken my mother's name off of my checking account but not from my reserve or my savings.It looks like they are moving towards a decision, but I worry that they will find some loophole to not refund me that money that they should have never had the right to take. Any help you can offer me is much appreciated.[redacted]

PNC Bank, N.A. responded to Ms. [redacted] February 11, 2016, and considers this matter addressed

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

PNC Bank, N.A. responded to [redacted] on January 13, 2016 and considers this matter addressed.

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]

December 29, 2015PNC Bank, N.A. responded to [redacted] on December 9, 18 and 29, 2015 , and considers this matter addressed.Thank you,ACBPNC Bank

March 7, 2016 PNC Bank, N.A. responded to [redacted] [redacted] March 7, 2016, and considers this matter addressed.  Thank you, Meghan J[redacted]

PNC Bank, N.A. responded to [redacted] on June 9, 2015 and considers this matter addressed

The person I talked to at the escalation department said the bank will not take any responsibility with this matter.  Ths issue that I have is that after the teller told me that the cashier's check is not a "protected check" anymore I relied on her personal advice and knowledge as a banker.  The teller specifically told me verbatim that she would know whether the check would clear in 24-48 hours and she called me to tell me the check was good.  If she had told me what the person in the escalated deparmtnet told me - that you can't be sure if Cashiers Checks can clear for up to 30 days I WOULD HAVE NEVER CASHED THE CHECK!  I relied on her expertise and she misled me.  The banks need to educate their employees on Fraud and Cashiers Checks.  The bank has a responsibility to do so.  She could have even told me she wasn't sure of the specifics of what to do with a cashiers check and then I would have researched it myself -  but she didn't. If you want to find out whether a check is genuine, call or visit the bank on which the check is written. That bank will be in a better position to tell you whether the check is one they issued and is genuine.Know the difference between funds being available for withdrawal from your account and a check having finally cleared. Your bank may be required by law to make funds available to you even if the check has not yet cleared. However, it could take several weeks to know if the check will clear or not.If you can't trust your bank with your money matters than who are you supposed to trust?  What is your role in supporting your customer's and their money?  Are you not there to offer sound financial adivice and support to your customers?  Do you just drop your customers once they have an issue and you played a major part in that issue?  Do you not return their phone calls and act like they are harassing you just for expecting follow-up.   Do you let your tellers  give our misinformation and then not take any credit in what occurred?  Because that is what you are doing right now.  If I were a major personnel at a bank the first thing I would do is send all my employees information on how to identify red flags for fraud and how to advise my customers against it.  I would educate your tellers that Cashiers checks do not clear in 24 - 48 hours, but it could take up to 30 days. There are hundreds of sites on the web that discuss this type of fraud.  It has become rampant.  If I would have taken 5 minutes of my time I would have known about it.   However, I relied on what your teller told me.  I throught she was knowledgeable on the subject.  Additionally, I asked to speak the Greater Maryland Bank Manager about this situation.  I was told they are not allowed to give out that type of information and that I would be contacted by them.  I'm sure I won't be - I doubt that anyone will return my phone call.

PNC Bank, N.A. responded to [redacted] on September 29, 2017, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on September 26, 2017, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on August 16, 2016, and considers this matter addressed.

June 1, 2016Dear Ms. [redacted],PNC Bank, N. A. responded to Mr. [redacted] on June 1, 2016, and considers this matter addressed. Sincerely,Lisa M[redacted]Executive Client Relations

January 29, 2016  “PNC Bank, N.A. responded to [redacted] on January 29, 2016, and considers this matter addressed” Thank you,CJ

PNC Bank, N.A. responded to [redacted] on 10-26-17, and considers this matter addressed

PNC Bank, N.A. responded to [redacted] on October 26, 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 is satisfactory to me. 
Regards,
[redacted]

PNC Bank, N.A. responded to ([redacted] ) on (10/28/15), and considers this matter addressed.

PNC Bank, N.A. responded to Mr. [redacted] on June 11, 2015, and considers this matter addressed

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