PNC Financial Services Group, Inc.

Review: I have been trying to contact PNC Bank about them randomly freezing my account, charging me for a new debit card, and other issues since 7/29/2013. Not one of my messages has been returned and they are actively ignoring me.Desired Settlement: I want a legitimate apology from PNC Bank, I want them to address my issue, and I want the money they took from me returned.

Business

Response:

This letter is written in response to the complaint filed by Mr. [redacted] with the Revdex.com.

As no signed authorization to release information was provided, PNC Bank has responded directly to Mr. [redacted] as of October 4, 2013.

If you have any additional questions or concerns, please call me directly at ###-###-####. My extension is [redacted], and I am available Monday through Friday from 8:30 AM to 5:00 PM, Eastern Standard Time.

Sincerely,

Review: In May of 2013 myself and the couple trying to assume my loan filed with the assumptions department of PNC Mortgage Loan assumptions and were told the process would take 6 to 8 weeks. We are now in our 8th month and the company still has not completed the assumption process. [redacted] does not return calls or keep you informed as needed. She continually gives the same reasoning which places the blame on the underwriters rather than giving us ways to resolve the issues. She has been given repeated documents with more than enough information to close on the assumption and yet cannot give us a closing date. I have ask for weekly updates through either phone or email in December and as of today January 14, 2014 have still not received and email or phone call to update me on the status in over a month. I have also ask several times for a supervisors contact information and have never received any.Desired Settlement: I would like for help in getting a supervisor or someone else that can help close this process. There is no reason that she can give me other than her underwriters do not understand the deposit information from the bank statements and yet repeated explanations have been given and the bank has even provided deposit slips and explanations to [redacted]. I understand the paperwork takes a while but 8 months is more than ample time and I have already had to relocate for my work. I need this closed.

Business

Response:

See Atatched

Review: Ref:Review: 30yr FHA Streamline Loan denied by PNC Mortgage without my knowledge and never informed me.TO WHOM IT MAY CONCERN:Dear Sir/Madam: The bottom line is that I have been repeatedly given the run-around by PNC Mortgage regarding my Streamline Loan applications, lack of communication and, bad customer service from PNC Mortgage. Since Sept 25th of 2008, I purchase a new home from Wall Homes and have a 30yr FHA Fix rate of 5.25% with PNC Mortgage. My current payment is $1,538 each month. However, FHA rates became lower between 2% to 3.875%. Therefore, I took action to save for my family. I repeatedly sent PNC Mortgage my applications for a 30yr FHA Streamline Loan at Fix Rate 3.875%, which never get completed because PNC Mortgage. PNC Mortgage has continually been messing up my applications, making all kinds of excuses and creating major customer dissatisfaction with PNC Mortgage. I do not want anymore excuses from PNC Mortgage. Please have my final document ready to close on the 30yr FHA streamline Fixed 3.875% loan for my home. I need this 30yr FHA Streamline Loan at Fix Rate 3.875% get done. The bottom-line is have gain the needed savings to support my family, getting better family dental care, family health insurance for my family, and rainy day funds for my family's need. My available time is 1:00pm to 2:00pm CST and after 5:30PM. Since the beginning of 2013, I have been given the run-around with PNC Mortgage Refinance office in regards to my Streamline 30yr FHA 3.875% Refinance Loan applications. I had to repeat this long tedious paperwork because of the lack of professional customer care shown towards me by PNC Mortgage office. I am a Single Family home owner with PNC Mortgage since Sept. 25th 2008. Moreover, PNC Mortgage has not treat me with respect to this entire 30 Yr FHA 3.875% Streamline Refinance loan process. It is my belief that PNC Mortgage has continually conceal the truth and had strong intentions of directing my loan applications to path of failure. Therefore, leading me to a huge lost of opportunity for a 30yr FHA Streamline refinance Loan rate at 3.875% for my family.All my documents was completed and sent to PNC mortgage as required for closing on 8/31/2013. However, I expected to close withing a months time, but PNC Mortgage has keep prolonging my application by asking for more documents or for any reason. I sent to PNC Mortgage what I had on file, but PNC Mortgage said the oil/gas/minerals right one. I spent lots of time calling gas companies, visiting deeds office, Texas TAD, just to find this so-call oil/gas/minerals document with no success. After much running about, [redacted], PNC Mortgage processor, finally said it okay, but wanted me to send in another months bank statement, which I I did, but was not accepted, since the balance must reflect a positive balance. I mentioned to her that I will send it to her via email, and I did sent my [redacted] statement with positive balance to [redacted] Tosadori on 8/26/2013 via fax for closing by 8/31/2013 or 9/1/2013.I left a voice message to [redacted] on 8/26/2013 to call me about her fax number to send required information. Shortly, thereafter, [redacted] from PNC Mortgage called me stating that my Streamline FHA 3.875% loan process had been closed/denied prior to my closing date 8/31/2013 without any notice to me. He said I must start all over and rates has gone up. There were ambiguities in what [redacted] was mentioning to me today over the phone. [redacted] admitted that he does not have all the details of what has transpired between [redacted] and me, in regards to my closing on [redacted], because he is stationed in another location. I had not have called PNC Mortgage on 8/26/2013, PNC Mortgage would have continued to keep me in the dark. Therefore, misleading me and giving me a false sense of hope and direction that my application was going as scheduled.I replied that this is absurd and, no one from PNC Mortgage has ever spoken or write me that my application has been denied and closed. PNC Mortgage officials working behind the scene on my Streamline Refinancing have decided to close/denied my loan process long before my closing date (8/31/2013). I am frustrated and totally disappointed with PNC Mortgage. This Streamline Refinance is very important to me and should have been completed. If PNC Mortgage has denied my loan without communication this to me, then I am very unhappy with PNC Mortgage integrity, ability, and capability to handle FHA Refinance loans with respect to me as a Homeowner and customer with PNC Mortgage since 2008. There were no discussions between [redacted], PNC Mortgage Processor, at anytime about my Streamline 30yr FHA Refinance Loan being denied or canceled long before my closing date 8/31/2013. If this has been done behind my back, I feel that PNC Mortgage officials have handled this unprofessionally and, it is very disrespectful to me as a homeowner with PNC Mortgage. Based on how PNC Mortgage has treated me, I cannot reference anyone that I work with to PNC Mortgage.Please have this processed and continue to closing on 8/31/2013 or 9/1/2013. I have been looking forward to my closing, to lower my bills and save for the family, and especially, after having to spend so much time with this process. PNC have not help me gain the lower rate of 3.875% and continue to give me the run-around or a never ending cycle of helplessness from PNC.Desired Settlement: Finally, closing date has passed gone since 8/31/2013. This means that PNC would have me to repeat the application again and then the -run-around again. I am disgusted by PNC Mortgage process, and PNC have repeatedly shown a lack of customer care and major lack of concern about my application. Lack of communication in regards to my application. I do expect that PNC Mortgage would complete my application process as scheduled or give more time with same Interest rate at 3.75% or lower and, compensate for messing up my applications process. If not, then I have no other option to report to local and national news, Revdex.com and Fannie mae and, Freddie Mac FHA offices.

Business

Response:

10/2/13, We have responded to this customer's concern. Written correspondence has been mailed to the customer today. Thank you, [redacted]

Review: On July. 24th 2015, which was Friday. I was to receive 199.77 into my account that I thought was still open. I was not aware that the account was closed. I split my check up to go two accounts, PNC Bank account was one of them. On Friday I was expecting to receive the money in the account and was told that the account was closed and it would automatically go back to my company's bank the next day which was Saturday. so I gave it a few days and now its Thursday and I have contacted the local branch as well as the customer service number and corporate and they all keep giving the run around and no one is giving me an exact answer to where my money is that was direct deposited into the account. the local branch stated 24hrs, the customer service number stated 3 days( which has passed) and the corporate office is stating 7 business days. My patients is running short with this bank that stated that there is nothing they can do because the account is closed but they see the deposit that was suppose to post but was rejected because of the account was closed. This is not acceptable from a bank.Desired Settlement: I would like my money as soon as possible.

Business

Response:

PNC Bank, N.A. responded to [redacted] on August 29, 2015, and considers this matter addressed

Review: In November 2014, PNC rep Amanda W[redacted] presented banking services to me with to include the Virtual Wallet account. With this account if I opened a Virtual Wallet account and funded by a certain amount of direct deposits per month and used the bill pay feature I would in return receive $400 as a bonus. This was the same program that [redacted] bank was offering at the time. I decided to go with PNC and was in contact with Amanda W[redacted] on several occasions in order to make sure that I follow all the steps in order to obtain the bonus. She issued me account numbers and I set up my online access. This again was reviewed with Amanda. My name along with my sister's name was listed on my mother's PNC checking account for health related emergencies and it is not used by me or my sister. Since this was the circumstances and not a virtual wallet account, I was assured that this was not an issue. I therefore funded my Virtual Wallet account and completed all the steps in order to get the bonus. I even called Amanda W[redacted] and she looked everything over and said I completed the steps. After months my account was not given the bonus and Amanda W[redacted] would not return my calls until I left a message that I was going to call her supervisor and I promptly got a call back and she said I can't get the bonus because I was on my mom's account. But she will see what she can do. Again, I did not hear back from her for another couple months until I again asked for her supervisor's phone number. She emailed me and said she will look into the matter again. After another couple weeks she offered me free Cleveland Browns tickets to whatever game I wanted. I do not want Browns tickets I want the bonus I was promised. It was a pain for me to leave my bank after many years and switch everything over. Further, [redacted] bank near my house was offering the same incentive. I chose PNC and Amanda W[redacted] either made a mistake or was completely deceptive. Either way this is not the way to treat a loyal customer.Desired Settlement: I would like the $400 bonus I was promised by Amanda W[redacted]. I was assured on several occasions that I met all requirements - then she must have realized she provided me incorrect information and at that time she tried to stop communication hoping I would go away. Things may be different if I felt she was HONEST and up front with me but the childish games she was playing is what is really aggravating. She is not at all professional.

Business

Response:

PNC Bank, N.A. responded to Mr. [redacted] on October 15, 2015 and considers this matter addressed. --DMB 10/15/15

Consumer

Response:

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

Review: I have been enrolled in the [redacted] program since 2009. On 12/21/2013, I called the customer service number on their website and asked about my points and how I could use them. I was informed by the customer service representative that my points about 111, 633; had been cancelled as it was part some changes that were going on. I asked the representative why I was not informed about this. She said that they had sent out letters informing everyone that this was going to happen and that people should use their points before December 2013. I told the representative that I had received no such letter, and asked her what address did she have on file for me. She gave me the address of my apartment which I had left in Feb. 2011. I told her that if they were sending information to the wrong address how on earth was I supposed to know about this?I was transferred to a a couple of more people who I told the same story again and again. They said that they were sorry that this happened, but that they could not do anything about it. I was told that they also mentioned this in my online account statements. I told this person, was this the only way you communicated these changes to all your customers? She said no, everyone else was sent a physical letter as well, which I did not receive! Small print in online statements is no substitute for a physical letter addressing this issue specifically! This lady also said that she now had my present address on file, when I told her "then in that case, why were your representatives reading out my old address all this while?" She said she did not know. But all this was recorded!!! I am very upset that an institute like PNC [redacted], is capable of such bad business practice, they are trying to get away by expecting me to read the fine print on my online statements and not acknowledging that fact that they were sending details about this to the wrong physical address and have basically now cheated me of my points and expect to get away with this by apologizing!Desired Settlement: I want them to either give me back my 111.633 points immediately and in case they cannot I want the monetary value of those point.

Business

Response:

We are resolving the issue with a credit of

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111,366 to the credit card points balance.

1-29-2014 [redacted]

Review: I was informed today by a PNC customer service representative that my PNC Points expired last year. I never received any type of notice of any change in PNC's points program. The first I'd heard of this new program was today, and I went to look for my points, and they were nowhere to be found, so I contacted PNC customer service. The following was my conversation with PNC's Online Banking Customer Service: Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you.Hello, this is [redacted]. Thank you for choosing to use our online chat service. How may I assist you today?[redacted]: Why can't I find my PNC points? I need to redeem them before I can no longer use them. I had several thousand linked to numerous debit cards I've held with both PNC and [redacted]!![redacted]: Good morning and thanks for chatting with me today! I am happy to help! To make this chat more personable, may I refer to you by your first name? [redacted]: yes[redacted]: Thank you [redacted]. I am sorry your Points are no longer available. Points for the Free Checking expired in September 2012.[redacted]: I never received any type of notice of this![redacted]: PNC sent several mailings advising all Points customers of the changes. [redacted]: Well I received 0.[redacted]: I am sorry you did not receive the mailings. Most customers discarded the mailings thinking it was advertisements. The good news is, we now offer Purchase Paybacks. In regards to the Purchase Payback Program, PNC Purchase Payback delivers targeted offers to customers through Online Banking. These offers are based on a customer's past purchases.[redacted]: When customers take advantage of these offers by using their PNC participating debit or credit card, they benefit by earning cash rewards. For example: If a customer makes a purchase at [redacted]'s with their check card, they may receive an offer from [redacted]'s.Desired Settlement: Despite PNC's claim that I received several mailings, I actually did not receive any at all. The honest thing to do would be for PNC to do the right thing, and give me my points back, with a certain allotted time to use them.

Business

Response:

Executive Client Relations for PNC Bank, National Association (“PNC”) received your correspondence regarding the consumer complaint filed by Christopher Ott. Please accept our apology for the delay in providing you our response.

Please be advised PNC has completed our investigation of Mr. [redacted] concern. Mr. [redacted] was provided a written response dated September 19, 2013, which was sent to him via the U.S. Postal Service.

Should you need additional information regarding this matter, I may be reached at ###-###-####, extension [redacted], Monday through Friday between the hours of 8:00 a.m. and 4:30 p.m. (ET).

Consumer

Response:

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

Review: As of today 7.30.14 PNC Bank, N.A. has failed to deliver requested documents I have been asking for since 3.24.14. At the same time in my correspondences dated, 3.24.14, 6.10.14,7.09.14 I advised consistently and immediately that I am a victim of Identity theft so that they can in turn take the necessary steps in assisting me and correcting any errors caused due to the identity theft. An auto loan application was done unauthorized and caused an inquiry to reflect on my credit report ([redacted])from PNC Bank, N.A. In which I have been advising they must delete, however they refuse. I have on all three credit bureaus a "fraud alert" which red flags any institution to contact me first prior to accepting and/or processing any loan applications to review with me security questions and to confirm that I am in fact the loan applicant. PNC Bank, N.A. has been very uncooperative and since 3.24.14 after requesting from them all documents they have relating to this unknown loan application they fail to provide them to me and from my understanding it is a violation of the "Fair Credit Reporting Act".Desired Settlement: I want PNC Bank, N.A. to correct and delete immediately the unknown credit inquiry they processed without my authorization from my Experian Credit Report immediately. The loan application number they noted on their correspondence to me is Loan Application Number: [redacted]

Business

Response:

9-2-2014 still researching issue **

Consumer

Response:

I rejected the companies response of "still researching", I am still waiting for a solid answer and remedy.

Business

Response:

On Thu, Oct 2, 2014 at 11:55 AM, <[redacted]> wrote:

Good Morning,

Please find the attached response and attachments to Mr. [redacted] from PNC Bank regarding case #[redacted]. This response has also been mailed to the client.

Thanks,

Officer

Client Relations Manager

Executive Client Relations

Consumer

Response:

Review: I sold my property that was serviced by PNC Mortgage on 7/31/2014. Because the closing date 7/31/2014 is very close to the regular mortgage due date 8/1/2014, I made 1 more payment just in case the closing transaction will not reach PNC Mortgage in time for the monthly due date. There are also some overpayment in the final closing transaction too. Altogether, there are about $1,000+ overpayment made to PNC Mortgage on 7/31/2014. PNC Mortgage received the overpayment on 8/1/2014 and acknowledged in a letter sent to me on 8/10. In that letter, they claim the overpayment will be sent out in 20 business days. That means, they will hold my $1,000+ on their account for 20 business days, for what? interest? I called their customer service multiple time asking for when I can expect my money to be sent back to me, but they always say it is after 20 days, because they need to be sure the final payment is cleared. I do not understand this, because PNC Mortgage sent me a letter on 8/10 stating all final payments have been cleared. Why do they continue holding customer's money for another 10-15 days?This is stealing. I have urgent use of the money. My good intention to not miss any mortgage payment deadline has turned against me, because PNC Mortgage wants to make some extra interest profit, or maybe use my money to do other businesses. This is stealing. Imagine PNC Mortgage must be doing the same to other thousands of customers. These overpayment money, if added up, can be millions of millions of dollars. Imagine how much interest PNC Mortgage can make out of these money for 20 business days.Desired Settlement: I need my money back with interests accrued during these 20 business days. I know it won't be much, maybe just few pennies, but I want PNC Mortgage understand that they cannot just take customer's money for extended period of time and do whatever they want.

Business

Response:

NO AUTHORIZATION ON FILE. PNC MORTGAGE IS RESPONDING DIRECTLY TO THE CUSTOMER 9-22-2014

Review: I had moved away from [redacted] in early 2013 due to medical issues. I reviewed and closed my account with PNC Bank when I had relocated. There must have been a low dollar discrepency on the account and I was not contacted via mail, email, or phone number on the account even knowing the account was closed. They preceeded to bill overcharge fees for 2 months and send them straight to a third party collection agency without contact. I had called pnc with no avail to resolve the issue and over 2 years later am still receiving collection notices from this issue.Desired Settlement: The account in question when reviewed by PNC was closed before overdraft and late fees were even posted. I will pay what the negative amount was (2-6 dollars) and not a penny more since I was not notified until the fees were totaling over $170.00

Business

Response:

To Whom It May Concern:This letter is written in response to your correspondence regarding Mr. [redacted]. PNC spoke directly with Mr. [redacted] and provided resolution to the concerns he expressed in the Revdex.com case # [redacted]. The Revdex.com did not provide a signed authorization form with the Revdex.com complaint.Sincerely,[redacted]Officer/Customer Relations ManagerExecutive Client Relations

Review: first,I had a contract with [redacted]. my contract was terminated. yet [redacted] kept drafting money from my account. every month,for approximately, 5-7 month's, I would dispute the draft,pnc would issue me a new card,then this this cycle repeated for month's. in frustration, I talked to another Bank. they laughed,said,it is not a card problem,they have a check number,that pnc should this and fix it,,,,,,,,,,, second. I had an overdraft,PNC charghed,$36.00 which I'm glad to pay. but after depositing $200.00 then approximately $140.00 the fines every five day's piled up to the point it was impossible to keep up with 5 day fines. OK I talked to another bank,again,they were like what ???? never heard of that. OK my final bill $338.00 had $350.00 wired from **. see PNC bank manager. MR. W[redacted],on Patton AVE. 28806 (zip) I try to pay the $338.00 ,but they say no now another $30.00 dollars.for settling. so at $368.00. I only had $350.00 and they would not budge on fines every 5 day's.and in frustration and desperation,went to another bank. explained what I'm telling u. and they insist they never heard such robbery,and now that I have a real bank, not criminal's. I'm happy,but PNC is threatening ruin my credit for 7 year's if I do not pay extortion shake down criminal animal behavior,after 10+year's as a customer.Desired Settlement: take your animal criminal fines. if I actually owe a fair amount after the $340.00 in deposit's I'll pay. but clear my name before I contact new's media, because no one including other bank's can believe this.

Business

Response:

1-8-2016PNC Bank, N.A. responded to Mr. [redacted] on January 7, 2016, and considers this matter addressed.Thank you,Julie L[redacted]

Consumer

Response:

Review: had stopped in a PNC location to refinance my car, and every part of the process was terrible. I asked to deal with the manager, and he passed me off to a rep. After I refinanced my car is when the trouble began. I was told everything would be easy, online banking no problem. Online banking is a HUGE problem with PNC. I originally tried to enroll online which directed me to call customer service to set up. After holding for 30 minutes, I was told the loan department needed to help me and they were closed, very frusterating. Then, I get a call back from someone who said they could help set me up, but I would have to wait 3-4 days to get a PIN in the mail.. they said that was the only way. I am in the process of moving so I asked they send it to a new address, they told me that would add an additional 3-4 days to process the address request. Again, more frusteration. Finally I received my paper with a 4 digit PIN to set up my online banking so I can pay THEM. I go to [redacted] to enroll, and after I enter my acct#, pin, and ss, for the first time.. I get a message saying "After several attempts your account is locked and you need to call customer service.. are you kidding me PNC? All I have wanted to do for the past month is set up online banking so I can PAY YOU.. this has been the worst most frusterating process I have ever gone through with any bank. I would like to just switch banks but that would mean re-financing again which is not a realistic option. Do yourself a favor, go somewhere else. Don't use PNC. By the way my online banking still isn't set up.Desired Settlement: I just want my online banking set up

Business

Response:

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

Review: I had an existing account with PNC. I only used it when I was living in [redacted]. But, I had moved from that area 3 years ago. The account was not overdrawn or in the negative. I recently moved to [redacted] seen there was a PNC. So I figured I will use my existing account. They had randomly taken my money, with out sending it to the state collection's (Normal procedure if no one is around to claim your money) and closed my account with any verbal or written form of contact for me. I was patient about it and pursued to re-open the account. after 3 days of waiting for the account to be opened they had denied my request and not given me a liable reason. So I figured I should come too you people about this matter.Thank you-[redacted]Desired Settlement: I have already told them that I will not have any future business with them. How ever a presence or a notification from the Bureau should clarify why their reputation holds to their action's. I would like to at least have my money back. They would be nice...

Business

Response:

3-3-15 JME In regards to complaint #[redacted] for [redacted] PNC has spoken to the customer and addressed the concerns expressed in this complaint on 3-3-15. The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.

Review: I was charged 8 overdraft fees for 5 overdraft charges at $36.00/each for a total overcharge of $108.00.Desired Settlement: I would like those 3 erroneous charges to be refunded back to my account.

Business

Response:

[redacted]PNC Bank reached out to the customer by phone to resolve the issue. If you have additional questions or concerns, please contact me directly at ###-###-####.

Thank you,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], spoken with their representative and the issue has been resolved.

Review: I opened an account with [redacted] bank several years ago PNC bank bought them out and charged me 200 in fees because I went over 46 dollars PNC bank recently took over [redacted] bank and since they have my accounts have been having all sorts of problems. I was an [redacted] customer for years with no issues late payments or anything on my 4 accounts which include a credit card 2 lines of credit and the checking account. PNC bank in 2 months have manged to ruin this relationship. I went over on my account not sure how when I had enough in overdraft protection supposedly 46 dollar for this PNC thought it good buisness practice to charge my account an NSF fee on a daily basis. Once I realized this I spoke with someone immediatly and requested my account to be closed and these fees removed and I was told the account cannot be closed and the fees would continue unless I paid what I deemed as an unjust fees. I explained to them I never signed any paper work with PNC bank agreeing to any thing of this nature my account was opened with [redacted] bank the representative stated nothing they can do. I have not paid any of the fees that PNC bank decided to charge my checking account [redacted] and from 2/13-3/27 PNC bank has charged me 200 in fees because of an overdraft of 46.00. PNC bank has even mistakenly placed a deposit in this account that is not even mine and charged me an NSF fee for a deposit that bounced that again was not even mine. I am extremly shocked on how PNC bank thinks these kinds of buisness practices can be acceptable and have not tried to rectify this matter especially since I have not signed any documents with them accepting these termsDesired Settlement: I am requesting PNC bank remove all the NSF fees totaling 200.00 from my account and stop any negative reporting to chex systems as they threatend to do I would also like for them to close this checking account [redacted] as I do not wish to do buisness with there bank any longer

Business

Response:

Your correspondence to the Revdex.com (Revdex.com) of Western Pennsylvania has been forwarded to PNC Bank's Executive Client Relations Office for review and response. I appreciate the opportunity to address your concerns.

Mr. [redacted], on your February 10, 2012 to March 2,2012, your [redacted]) checking account statement ending [redacted], shows your balance was $2.68. This was the final balance before your checking account was converted to a PNC Bank Free Checking account ending [redacted].

On March 9, 2012, a funds transfer of $57.11 from your line of credit account ending [redacted], to your checking account ending [redacted], made your balance $57.79.

On March 9, 2012, $154.35 payment to your line of credit ending [redacted] posted to your checking account, your balance was -$96.56.

On March 12, 2012, a funds transfer of $50.00 from your line of credit ending [redacted], to your checking account made your balance -$46.56. We assessed a $25.00 Overdraft Item fee the same day, your balance was -$71.56.

On March 14, 2012, through March 23, 2012, your account was assessed $7.00 Continuous OD Charges for each day the account remained overdrawn after 5 or more calendar days, up to a maximum of $98.00. This fee is in addition to any other fees assessed for the overdraft. This fee is disclosed in our Consumer Schedule of Service Charges and Fees which I have enclosed for review.

On March 26, 2012, $267.90 payment to your second line of credit ending 9355 posted to your account, your balance was -$450.46.

On March 27,2012, we assessed a $36.00 Returned Item Fee (NSF) for the reversal of your $267.90 loan payment, your balance was -$155.56.

On April 9.2012, a $148.36 payment to line of credit ending [redacted] posted to your checking account, your account balance was -$303.92.

On April 10, 2012, we reversed the $148.36 payment to your line of credit and assessed your checking account a $36.00 Return Item Fee (NSF).

On April 10, 2012, a funds transfer of $50.00 from line of credit [redacted] to your checking account, your balance was -$141.56.

On April 13,2012, we debited your checking account ending [redacted] for $50.00, your April 10, 2012 transfer caused you to go over your $3,000.00 line of credit limit, therefore, we did not post this transfer to the balance.

On April 19, 2012, even though no bank error occurred, PNC issued a courtesy refund of $116.00 to your checking account ending [redacted].

On May 4, 2012, your account charged off with a negative balance of -$75.56.1 have enclosed your checking account statements and Overdraft Notices for your review.

The total balance owed to PNC Bank including the $30.00 Account Charge-off Collection fee is $105.56.

Mr. [redacted], T reviewed your account and could not find where PNC Bank deposited money into your account in error with the information provided.

After reviewing all of your information, we respectfully deny your request for refunds to your account. To make payment arrangements, please contact our PNC Bank Collections Department at ###-###-####.

Thank you for the opportunity to clarify our position on this matter. Should you have any further questions or concerns regarding your account please contact me directly at ###-###-####[redacted].

Review: My wife wrote a check out of our PNC account for $1500 on 3/30/15 and mobile deposited into our [redacted] Credit Union to pay off our car. On 3/31/15, this amount came out of our PNC account and was credited to our credit union. We shredded the check after 30 days. On 5/5/15, [redacted] charged our account back $1500 saying that the money was sent from PNC to [redacted] because they have the physical check. We have NO accounts with [redacted] and there is no record that [redacted] has tried to send this check to PNC and our account has still not been credited back at PNC since [redacted] debited our account $1500 on 5/5/15 (1 week ago). We have spoke with several people at PNC and are told that the escalations group would be contacting us within 72 hours. Tomorrow will be 1 week and no one has called us. We have left messages and get no call backs from the escalations team. Our case # is [redacted]. We have also been told this could take 60-90 days to be resolved. So in the meantime I am out $1500??? No one seems to care that we are about to pull all of our money from your bank. I understand investigations take time, but we deserve some one to follow up with us. We have $1500 missing and since the check was written out of our PNC acct and we can prove that we are not getting credit from our credit union, I don't understand why we can't get this resolved. If there is a check, it is fraudulent because I shredded the physical check. I believe this is a routing error and need this resolved ASAP. If this is the way your customers are treated, I want no part of it.Desired Settlement: I want my account credited $1500.00 since there is proof from [redacted] that I am not receiving this money in my account so I can write another check for $1500 OR the money sent to [redacted] to pay off my car loan.

Business

Response:

6-7-15 [redacted] RE: ID [redacted] This is for response to your correspondence regarding [redacted] PNC Bank has spoken to the customer directly on May 28, 2015 and has addressed his concerns.

Consumer

Response:

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

Review: I was financed to purchase a new vehicle through PNC Bank. Part of the agreement is to have the vehicle insured. The vehicle has had full coverage since the date of purchase. I received a letter from the bank to provide proof of insurance or they would purchase it for me and add the charge to my loan. I immediately had my insurance company provide the information required. Again I received the letter and again had the insurance company provide the required documentation. I was told that upon receipt of the requested documents that I would not be charged any additional or insurance purchased in my name. I received a call from the collection department stating that my payments were not being made on full due to insurance being purchased on my behalf. I paid the fee and again sent the required documents by fax and email. I had the insurance company cc me on the email and call me to confirm the fax had been received. The insurance company called me to confirm the fax was successfully sent and I received the email. This has been going on since summer 2013. Now it is November and I received a call from collection department telling me my payments still are not being made in full. I refuse to pay any additional or suffer any penalties since I completely complied by providing what was needed...several times. Now they are threatening my good credit because their employees' inability to properly file the information. In my eyes they made an unauthorized purchase In my name since I was compliant by providing the information. I should not have to pay anything over my original payments, any fees occurred need to be refunded, and no claims against my credit should be made. This is infuriating since it has happened several times, I talk to someone different every time, and each of them treat me like I'm the one that has done something wrong. The only thing I did wrong was use them as my lender. This has been the worst experience I have ever had regarding a vehicle loan.Desired Settlement: I would like this to be resolved by PNC admitting their mistake, restoring any fees or charges made against my account as a result of their mistake, and improve practices of receiving and recording information to improve customer service and ensure no one else has this same horrible experience.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Mr. [redacted] on December 2, 2013. We have evaluated the information and working with client towards resolution. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank, N.A.

Review: On April 8, 2014, PNC Mortgage left me a voicemail to call back a number ###-###-####. My current payment for April is due. I am within the 15 day grace period. When I spoke with the representative, she proceeded to inform me that PNC actually had a [redacted] phone number on my account which is in no way associated with me and that they had been trying to contact me. This is their own error as I never gave them this number. Next I was informed that as of August, PNC will call consumers each day after the 1st until they make a payment or make a commitment to make their mortgage payment for the month. I believe this is an aggressive and unfair debt collection practice. Specifically, I was told that PNC will call each month that payment is not made on the 1st unless the consumer calls PNC on the 1st to inform them when they will make a payment. I believe this is not within the parameters of debt collection and violates consumer rights and also places an unfair burden on selected consumers whom PNC wishes to apply this new policy to which is discriminatory. The representative also asked various questions of me even after I had informed her of when I would make the payment which adds further to the argument that these collection calls have less to do with actually knowing when the consumer will make a payment and more to do with pressuring the consumer to make the payment that day. The representative did try to get me to make a payment, acknowledging that the 15 day grace period was not yet over. I have been making my payments each month and this is the first month where I have actually received a call, which further adds to the argument that this is not a policy that PNC is universally applying. Also there is no writing in which I was notified of PNC's change in collection policy and stating that I would receive a call each day after the 1st of the month that my payment is due or would have to call in and let PNC know when I would be paying. As such, without notice, this policy is void.Desired Settlement: No monthly phone calls for collections if payment is not made on the 1st and no requirement that I call PNC to notify them each month of when my payment will be made. If PNC wishes, they may send written notices to the address which they have on file which is the residence subject to my mortgage. Additionally, a consumer may request that a creditor not contact them by phone, so I am also making this request not to be contacted by telephone and only in writing.

Business

Response:

4-21-14 [redacted]. PNC has responded directly to client on April 21, 2014.

Consumer

Response:

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 will await the direct result of PNC's internal investigation of the matter per the letter I received and thank you for your assistance.

Review: PNC has made an error on my bank account.1st a payroll deposit went to another account a while back, a deposit I made one day went into another account than mine, now this error.Desired Settlement: I would like for PNC to correct my account ASAP.

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] received on 07/24/2014. We have evaluated the information and will mail a response to the client. We do not have written authorization from Ms. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

[redacted]Executive Client Relations

PNC Bank

I was in at PNC bank the other day and I seen the mgmt talk down to to a girl who was a teller there who was very sweet and helpful. In the middle of assisting a customer this mgmt looked at this girl and Said rudely interrupting you need to go to the lobby. Very unprofessional and very snooty. Just because they are in mgmt don't treat your employees like dirt. I felt so bad for that girl. Unacceptable