PNC Bank Complaint - Unbelievable!
I am FED UP with PNC Bank.
I had an account with PNC in 2006. I made an error and overdrew my account. Because it was overdrawn for too long, they closed my account and sent my closed (overdrawn) account to a 'recovery specialist' who works directly for PNC Bank in Pittsburgh.
In late 11/06 I received a letter from PNC Bank stating the amount of money that I was overdrawn that I needed to repay. Early 12/06 I called my 'recovery specialist' and made and agreement with her to pay a certain amount of money to PNC Bank via cashiers check... and I had a specific mail stop (internal mailing between PNC Banks) to send my payment when I got the cashiers check at the local PNC Branch.
I received a letter about a month or so later (01/07 or 02/07) stating that I had paid the balance as agreed and Chexsystems would be notified. Chexsystems is a reporting agency for financial institutions (similar to a credit report from Experian).
I believed their silly little letter and thought that the issue would be resolved as agreed since I fulfilled my financial obligation and paid them back as agreed.
A few months later I attempted to open a new checking account with a different bank. I was declined! The reason... because I still owed money to PNC Bank (THE MONEY I ALREADY PAID)! Well I called and my 'recovery specialist' guaranteed me over the phone that I had paid it off and that everything would be reported back to Chexsystems.
A few months later, which would now bring me to 10/07, I tried to change my savings account with a different bank, into a checking account. Once again, I was declined because of Chexsystems stated that I still owed money from 11/06 to PNC Bank.
By this point I was aggravated to say the least, but still remained patient, more patient then I now realize I should have been. I was giving them the benefit of the doubt thinking that sometimes things happen and confident that they would resolve this overlooked error. I requested them to mail me another letter stating that I paid the balance as agreed and that I did not owe any more money... and once again that Chexsystems would be notified.
I waited 2 weeks for the letter to come to my home and didn't receive a letter. I called again and spoke to someone else who said that my letter was mailed on 10/27/07. I waited a little while more until 11/17/07 and called back and advised that I needed them to send me another letter because I never received the letter which was supposedly mailed on 10/27/07.
The letter was the same as the first, it said that everything was paid off as agreed and Chexsystems would be notified.
January 28, 2008 I wanted to open another checking and savings account with a local credit union (now I have 2 checking accounts and 2 savings accounts with 2 separate financial institutions)... I bet you all know what I am going to say.... I WAS DECLINED AGAIN BECAUSE CHEXSYSTEMS SAID THAT I STILL OWED PNC BANK MONEY!!!! I was able to present a letter stating that I paid them in 12/06 and the woman opening my account said that it only takes 30 days for Chexsystems to be updated when the bank informs them of a change. WELL I called the 'recovery specialist' on 01/28/08 and advised that everything was still showing as NOT BEING RESOLVED ON CHEXSYSTEMS!!! Her response "Oh I see the problem, the drop down box is still showing open. I will correct the problem and notify Chexsystems. It will show up in 30 days that your account is clear with PNC Bank."
My patience was GONE by this point in time. LONG GONE! It took me 5 phone calls just between 10/07 and 01/08 to TRY TO GET IT RESOLVED.
I finally went to the local credit union and asked them my rights to order a Chexsystems report. The wonderful account rep at the branch gave me a piece of paper with Chexsystems information. In the beginning of March I ordered my own report. NEEDLESS TO SAY PNC BANK WAS STILL SHOWING UP WITH ME OWING THEM MONEY!!!! I called my local credit union and asked her if she could run the report YESTERDAY and she ran the report... it is still there surprise surprise!
Now if you count the days between 01/28/08 and 03/12/08 it is over 30 days.
I filed a dispute with Chexsystems; however, I don't feel that the dispute alone was enough. I made sure to contact the 'recovery specialist' supervisor yesterday and let her know of the situation. I said to her "please tell me WHY it has taken OVER 6 phone calls including TODAY just since OCTOBER 2007 to get this issue resolved. This has been ongoing since 12/06 what is the explanation that you can offer to me as to WHY it has taken so long?" Her response to me "Maybe you were talking to the wrong person". I said " I was speaking to my recovery specialist that was assigned to my case.... WAS THAT THE WRONG PERSON?" She insulted my intelligence and I feel that this a MAJOR case of a misrepresentation!!! They represented to me that Chexsystems would be notified... and they never were.
For all the time and effort I put into trying to get something resolved which was taken care of in 12/06... THEY SHOULD BE PAYING ME!
I HATE PNC BANK.... HATE HATE HATE THEM!!!!!!
Anyone know who I can go to to file a formal complaint for all the stress, aggravation, time, and most of all embarrassment PNC BANK has unjustly caused????
There is no LOGICAL reason why this issue shouldn't have been resolved in 12/06 when they received their money.