PNC Bank

$55,000 stolen from our checking account: We have been customers of PNC for over 30 years. In September 2008, our checks were stolen and our statements were stolen. We had, between checking and savings, $57,000. We sold a home and made a $59,000 deposit, bringing checking to $86,000. We are still making our weekly deposits from work of $1500. We use the same two tellers, so they would know who we were. We did a police report with New Castle County Police. From October through the 1st of January, there had been daily and weekly withdrawals by check with our forged signatures, clearing our checking account. We called the bank we had our deposit records, and they said our account was fine. Checks had been presented almost daily for hundreds of dollars, not our spending pattern and not by us. No ID for us was requested, and no signature was ever verified. We were stuck with the loss.

PNC claimed they called us. They had 2 cell numbers as well as our home's; they never called either one. **, their manager of the Dove Run Branch in Middletown, DE, said that was our responsibility. That was their negligence. They filed an insurance claim for their loss and collected, and we still were out of our money. It was stolen twice once from the perpetrator and once from our trusted financial institution of 30 plus years. What is our position. All we want is what was stolen from us and the interest we would have had.

I made a recurring payment to my father's account with Bank of America. For some weird reason, he received 2 wired transfers and one check over the mail, meaning they took the money 3 times out of my account in one month. I called and asked for this to be fixed because this is not what I had indented to do. They told me I made a mistake and blah, blah. Okay fine, maybe I did. I asked for this not to happen next month, they said they cannot cancel it remotely. They said, "You have to do it on your computer." I am thinking, what the **? How can they not modify my account remotely? That makes no sense to me.

Fine! I go to the branch in person. The person at the door told me, "We are closing in a few minutes and my manager is busy. It is better if you return tomorrow." I am thinking, **! What type of customer service is this? Fine! I came back the next day. I sat with a lady, explained the problem and I told her that I see the amounts taken 3 times. I saw it on my account activities on the website. She asked me to log into my account on her computer, so I did. She showed me a calendar view of my account and I don't understand that view so I asked her to show me my statement as a list date by date like a normal statement and she said, "You have the virtual wallet account," that account you cannot see the activity listed on a list. I said, "Yes, I can" and she replies, "I don't have virtual wallet so I don't know how to use this." I had to show her how to view it.

Anyway, apparently, she solved my problem. Next month came recurrent payment was taken twice. Several calls to customer service did not work. No help. I even cried over the phone to this people because I am not a rich person and I do need this money. I made sure there were no recurrent payments for this person on my account. Next month came and again 2 payments were taken. I went to the branch again. A man supposedly fixed this told me I was going to be refunded. Oh surprise, the next day, I was refunded of one payment. Not! 1 day later, they undid the refund for no apparent reason.

That's it. I am sick of this stupid bank. Today, I went to make a payment in person, branch opens 9am but they opened 9:15am. I made a payment of $5,000 to my credit card. Its 3 hours later, I called the 1800#. Rep states that they don't know if I made a payment or not. They cannot track it at this time at all and it will take several days! All the transfers take many days. I hate this bank! I have closed my checking with them and soon I will stop using their credit card too.

PNC is the 2nd lender on a short sale I'm working on for my client. They approved the short sale and are receiving a sum of $17,000 at COE. Seller collapsed just before signing closing papers with a Notary and was rushed via 911 to the hospital. Seller is currently still in the hospital. I tried for 4 days to contact the folks at PNC that issued the short sale along with the closing agent - no replies whatsoever to my urgent requests for an extension due to unforeseen circumstances. They did have the nerve to contact me Monday, basically the day after the letter expired, to advise me of the cancellation of the short sale. Then to top it off, they said I can resubmit a package for approval again. The first lender, AHMIS, was very gracious and awarded an extension. So, within the last 24 hours, I've tried every mode/means to contact someone higher up in the short sale department and escalations - no response. Appalling.

We closed the account my daughter and I had with PNC Bank one year ago. Recently, something came through on that now closed account. We got a phone call at our home stating that the account was overdrawn by $145 and that we had to pay. The account was closed one year ago! We haven't heard from PNC for a solid year and now they are coming after us for $145 which we will not be paying. We are asking for a full investigation into this bank's practices!

One other thing, the bank account was opened by my daughter and consigned by my husband. We were present when she closed it as well, one solid year ago. Yet, PNC relayed all the information on this $145 recent overdraft amount. We won't be paying it, because we don't owe it. When we close an account, we close an account and it is not cool for a bank to do this to their former customers! Termination of business is termination of business!

It appears that funds in PNC bank A may not be available in PNC bank B(?). Each bank appears to operate independently of the other branches, or in this case other banks of the same name(?). Be careful with this bank. Branches do not trust each other and there is no corporate oversight. What this means to you and me is if you deposit money in a PNC bank in Flordia, you may not have access to your money in Alabama. Hoops, jump through these hoops and maybe in a week! How sweet it is. Bank A does not trust bank B and since there is no corporate, no branch answers to a corporate entity.

PNC violated the Opt-Out law on my account. When the Opt-Out law came into effect last year or so, I signed up to Opt-Out of overdraft fees when using my debit card. Lo and behold, on 4-12-12, I used my debit card twice when apparently there was not enough money in my account to cover the purchase, but the purchases went through and I was charged for two NSF charges totaling $72.00. What's the use of having the Opt-Out law when the bank is simply going to ignore it? I called the bank twice to ask that the charges be reversed and the manager never called me back. I then went there in person today, and the manager confirmed to me, showing me the computer screen that, indeed, I was signed up for the opt-out but that he "wasn't allowed" to reverse the charges. He further told me that if I called the 800 number to complain, I would simply be referred back to him. Basically they are violating the law.

PNC is a dangerous bank to be in: I was inside PNC on Forrest Hill in Peoria, IL. There was a guy fixing emergency fire lights at the door (seems these would be needed). The manager ** was screaming at him not to do it and to leave. Hmm, being a 74 year old, I figure, if fire starts, I want out and to be able to see how to get out. I went to my reg PNC right after that and pull out all money and went to a safer bank building.

We exchanged US dollars for Mexican pesos. The exchange rate PNC charged was way worse than the current market (I monitored it on my phone). The last time, we lost almost $200. The bank tellers say they are market competitive but that is a lie. They charge much more than the current market, on a consistent basis. The tellers just dismiss my information as being inaccurate, despite proof to the contrary. We are given no evidence of their rate other than a calculator tape showing the total of pesos. They should fully disclose the numbers they are using and the fees charged. Even though there is no regulation, they misrepresent the facts by stating they charge what the market is at the time, when in fact, they charge considerably more. We lost almost $200 last time. How many do not even question the rate or have the knowledge or ability to check it? Buyers beware, yes, but do not mislead. There should be full disclosure of how much it is costing you to use their service.

PNC just took over my bank. I did not go to them. I wrote some checks like I have for years to people that work for me. When they go to PNC to cash the check, they are charged $10. They came back to me demanding I owe them $10 and I did give them the $10 cash to make up their loss. Why is it that you can get money from an ATM or they can deposit checks in their own account for no charge? They are charging me $10 to access my own money and I am not happy about it. This is just another way for banks to rip us off legally!

I had changed banks and had not contacted all of the people that were automatically drafting from my PNC account, which caused the account to be delinquent. I received a letter on 3-16-2012, dated 3-10-12, saying that I needed to contact PNC within 10 days or they would send me to collections. I called on 3-16-2012 to take care of the delinquency and was told that it was already charged off on the 15th of March. I asked why the letter says I have 10 days to call and they lady had no idea.

On March 8, 2012, I had enough money in my account to cover all charges made through March 12th. On March 9th, PNC charged me $72.00 in overdraft charges because of 6 pending transactions. After those overdraft charges and pending withdrawals, my account was still positive $100.63. Then the rest of the charges on my account posted which should have all been covered except for one. They charged me 4 more overdraft charges, even though they had already withdrawn those amounts from my available balance when they were pending.

I understand that I am responsible for one of the charges because I made a mistake when I deposited money and was short $8.87. All of the other items should have been paid without charges and a supervisor cannot explain to me why they weren't. This is not the first time this has happened and the only explanation the supervisor gave when I stated this was bad business practice and fraud was that this "was disclosed". My account should be overdrawn $8.87 plus one overdraft charge of $36, but because of the scam practices, it is overdrawn $224.87. When asked to close the account, they stated that they cannot close the account because of a negative balance and the account will be charged an additional $98 ($7/day for 14 days) continuous overdraft charges.

PNC processed a non-recurring debit card transaction that pushed an account balance below zero. They confirmed the account had opted-out of overdraft protection but processed the payment anyway. That pushed the account -$18.62 under and for that they charged $215.99 in overdraft fees. One of two employees for the bank, Alex ** refused to give his last name but his direct dial phone number is ** lied and said the CARD Act overdraft regulations apply only to checks. More importantly, he verified this is a pattern he sees and told me lawyers cannot do anything about it. I'm sure it is a pattern, though, I also know it is absolutely a violation of the Credit CARD Act which, of course, applies to credit and debit cards.

Their other bill collector, Elizabeth ** said, "We don't do fraud," which is equally false. When I told her I planned to initiate regulatory and legal actions, she laughed and said, "Over $200?" Obviously, they've done the cost-benefit analysis and this is part of their business model. I've filed a claim with the Consumer Financial Protection Bureau, which is what anybody should do when this happens and hope that a class-action attorney will also pick up the case. PNC is routinely ignoring CARD Act overdraft laws. Besides the statements showing exactly what happened, I also forced the local bank assistant manager to hand write the account opted-out of overdraft protection because (surprise) they have no way to print the screen and he refused to let me take a photo of it. He was flustered and sweaty after he took my $233.81 payment to take me out of the Chex system (yes, they sent the account to Chex for fabricated fees). He had obviously been on the phone with somebody and realized what they'd done.

Like I said, I already filed a complaint with the CFPB but any lawyer that wants this as a class action, feel free to email me and I'll call you back; happy to be a named plaintiff. I also live in FL which is a loser-pays state, which is great because at $5K per violation, there should be lots and lots and lots of fees for PNC to pay.

I was recently moved to PNC when my bank (RBC Bank) was bought by PNC. Immediately, I started getting fraudulent charges to my account from New York. I live in Alabama. No ping from fraud alert? My last bank closed my account when I made a charge just over in the next state. Now, it's 10 pm and no one answers the phone! I get transferred to fraud reporting, told it is after hours and to call the number I just called to report a stolen card. I will be moving banks immediately.

I opened savings account for my children as minors. When we tried to close the accounts because there is no PNC bank in Texas. I was told that the accounts did not exist anymore. The funds were used up as service fees. I have sent several letters to the branch in New Jersey and the head office in Pittsburgh, Pennsylvanian. I have not heard anything from the executive client relation department where the letter was addressed to. My 3 kids are still waiting for PNC to refund their savings totaling about $300.

I lost my mother in June and my sister in November of 2012. I was executor for my mother's estate and my sister was caretaker for my mother who had severe dementia. I kept my mother's checkbook account open to take care of miscellaneous expenses. In the meantime, my sister died of cancer.

I contacted PNC Bank and to close my mother's account but they have delayed and stalled citing many different reasons. They deemed my sister was an equal executor of the checking account by virtue of her taking care of my mother. They asked for my sister's estate executor to send them legal, notarized proof, proof of his position, which he did. They now want further documentation of his position to close out the checking account. This is in addition to requesting (one at a time) other documentation which I have given them. The actual checking account reads in the name of me and my mother. I have been writing checks on the account for over 10 years.

The amount in the account is under $4,000, so it's not a big deal financially. But I truly believe they want to frustrate us to the point where we just "give it up" so they can steal the funds.

The bank will not give me an e-mail or fax number to communicate. Everything is through the call in, press a button and wait system. Sometimes I get an "assistant" that of course knows nothing about the situation, so I have to go through the whole thing to get to the point we were last at.

I will submit the names of the contacts if that is appropriate.

I was recently discharged from bankruptcy, and reaffirmed my auto loan. I never received a statement after the discharge, to know when the loan payment was due. They began calling the co-signer on the loan today. He was called 5 times in a half hour. He answered, and PNC stated that it's a few days past due. He had mentioned that the statement never came, like it had, prior to me filing bankruptcy. They offered to send one in the mail, and asked if he could make a payment now over the phone. He explained that I make the payments out of my account. They began to coerce him over the phone, to make a payment today. I did some research online, and found that we are not the only ones they do this to. It is a standard business practice evidently.

I called to cancel my stolen debit card and customer service is closed. What?! I am so disappointed, answer machine tell you call 888 PNC Bank for stolen credit cards but when you call, they tell you same thing and give you same number to call that you called already. Stupid! I'm cancelling my business account as soon as possible. Just because it's weekend, you should be able to cancel your card no matter what. That tells you how much they care about your money, none at all.

Came back from Mexico a week ago. Today our debit card was declined as we were told by the customer service rep of PNC that a $6000.00 withdrawal was made yesterday. There was no one who could help us and they can't do anything until Monday. What? We used the card one-time in the resort, which was exactly 8 days ago for $200.00. I've been home for a week. The trip was completely paid for beforehand. Bad enough PNC didn't notify use of suspicious behavior. I'm concerned there is no security on the weekends to help explain to us. I'm fearful someone can withdraw $6000.00 out of our account when heck I can get $400.00 out in one day as it's the limit for PNC (as least I think it is). I am beyond sick to my stomach at this situation and now will have to wait two days to talk to "someone."

I had no bank account. I went to PNC to open one since I now have some income. One check was a business check (drawn on a PNC account), and one was a government check. I was asked for 2 IDs. I have a driver's license, but I live in a friend's house, so I have no lease agreement and no utility bills. I own a car, but it is in another state right now, so I have no car registration. My passport is expired. I have no credit cards. I did have a post office confirmation of change of address, a social security card, a title to my car, and various other things; but nothing would suffice. I could not open an account.

To make matters worse, I couldn't even cash the check that was written on a PNC account, since I didn't have 2 acceptable IDs nor could I sign the check over to an account holder for them to cash it. I was up the proverbial creek without a paddle. I finally had a little money, needed a few things, and no way to get at my money. I was so frustrated and very angry.

I made some calls to other banks and found out that only one ID was required. I went to one of these banks and opened an account and even had access to a little of the money so I could get the things I needed. In these hard economic times, not all of us have extra money or even just money at all and have to make doe. Not all of us have the resources to have some forms of ID. Do not degrade us more than we already feel degraded by circumstances. I was very distraught after this experience and feel there must be a way to accept other forms of ID.

I had a PNC check someone wrote me. I went to PNC to cash the PNC check, gave proper ID and they charged me $10.00 to cash the check.

My name is Jason. If someone would please help me, I had sent a wire transfer in amount of $20,000 to Canada on January 10th. I had been dealing with wire investigation department; they have done nothing for 3 weeks but send recalls to the wrong bank in Canada. Every time I call them they tell me how they are doing investigation and will send another recall. I am sorry, but for 3 weeks all they did is sending recall.

Sorry, but that's not even close to investigation. I had sent money to HSBC Bank in Canada but they keep sending recall to Royal Bank in Canada. And what Royal Bank is doing is not sending recalls to HSBC Bank. Royal bank is the one who is not sending recalls to HSBC so that HSBC can contact the beneficiary for authorization. Because I am talking to beneficiary Tina at Tatro Trucks, she and HSBC assured me that they haven't received one recall yet. And they can't send me the money till they don't get recall. And I asked PNC investigation department why they don't call Royal Bank and ask what is the hold up. They answered me; they don't call they will send another recall. I am sorry, but that's not investigation. After 3 weeks you should pickup the phone and call.

PNC Bank chose an overdraft option for me without my knowledge. They didn't send me a letter about this option to pay my transaction and then charge me $36.00 for the transaction while there was an option to decline the transaction for no available funds, which I just change it to after finding this out.

I was trying to post a paid ad with Craigslist on 1-23-12. On the account debit info page, I typed in my debit numbers. The page claimed I was not doing it correctly but I have used them for 8 years, I know how to do this. Each time I typed, it said wrong numbers. I was like what am I typing wrong. Turns out each and every time they were getting money out my account a $10 add, they stole $50 out my account and still did not post any ad, no ph number for contact, no email and they only once in 48 hours told me to send name and last four digits of card to check. No other communication, no ad and no money back. People trust them with accounts and they abuse this by taking money that does not belong to them.

This economy is too bad for this behavior and if they are not able to treat people right, they should go back to using prepaid services like before. It makes me wonder if they wanted the option to go in to accounts to do wrong in the first place, this has caused me not only to have no advertising up, also no money for advertising seeing that they took my whole budget for advertising in one swoop and have not tried to make this right. No money returned no ad and no calls at some point in time. They need to realize later for an email. It's time for a conversation and stop hiding behind technology when this is my money and my account. They had no authority to take more than $10. I left a phone number and not even as much as a phone call has given to me. I just want my money returned to my account and an acknowledgement for what was wronged and my ad up or just refund me all my money. I will find other advertising as for now I cannot even pay for more budget that is not allowed for it.

When banks no longer returned actual checks, our family opened multiple checking accounts (with direct deposits) with PNC Bank, which in the D.C. area (Burke Centre) was formerly Riggs Bank. More recently, the bank also does not provide printed statements with check images except by charging a fee per account per month of $3 which is $108 per year for the three accounts. After I declined the fee(s) and tried to print a bank statement on-line, a PDF comes up in the web browser, but I see no method to do an actual print.

Further, the statement is only two pages and appears to include no check images, which is the whole point of the statement for me. When I filled out "contact us" online, an email response said they could not do anything which requires accessing the information in my account. I am not asking for that. I want/need tech support for both the printing and the ability to print online the same bank statement that they would mail for a $3 fee per month per account. Otherwise, unless the printed statement is the same, PNC is not really providing an online equivalent for "free".

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PNC refused to allow me to deposit a check, stating that the person who signed the check over to me did not have an account with them, so they could not verify a signature. I have been banking with them for over 9 years now, and the manager just told me I was not listening and that it's too bad there was nothing he could do.

I went to another bank and opened an account, and they accepted the check. I was so upset I had to go through so much trouble because of this bank and that I was treated so poorly.

I have been a PNC customer for almost 18 months. I left Wells Fargo (which I was a customer for more than 40+ years), due to awful customer service. I am ready to give up on "big" banks. I began using their mobile deposit, and almost immediately got a letter stating that I was not following their guidelines. I re-looked at their guidelines, and guessed that I had signed my signature with my middle name "letter", and the check did not list it. I made sure to sign exactly, as the check stated. I received a second letter stating that I was not following their guidelines, and my mobile deposit service was cancelled.

I called their customer service, and they explained that the "guidelines" that I was not following was putting a notice below my signature, saying it was for mobile deposit only. I apologized and asked to have the service re-instated. She stated that was not possible ever. I was in shock. I asked her why they did not tell me exactly what I was doing wrong. She felt bad, but their rules state it must be terminated forever. That does not seem right. Make them re-instate my mobile deposit service.

We were visiting family over the Christmas holiday in McCaysville, VA and could not access a PNC branch or ATM to make a deposit. We drove 40 miles into Charlottesville, VA to find two ATM machines that would only do cash withdrawals. We called customer service for assistance. We were told there was nothing they could do and we would have to drive another two hours to the nearest branch to make a deposit. The next day, we drove home and made the deposit in the ATM. Two days later, we looked into our account and found the deposit was not credited. We called customer service and were told the check was "unpresentable" and they were mailing the check back to us.

In the process of all this, our account is incurring fees due to the check not being credited. We called the bank after one week to tell them we had not received the check in the mail. We were told they had sent it and it would take 10 days. After 3 weeks, I called again to inquire about the check. I was told they mailed it and there was nothing they could do, that it was not their problem because they mailed the check on the 28th of December. Then, they started posting pending payments to the account a day early causing the account to again go into overdraft.

A payment that was supposed to be automatically paid on the 6th of Jan. did not come out until the 10th of Jan. again causing multiple overdraft fees. I think what these people are doing is criminal. I hope there are enough people who are willing to speak out. Maybe someone will listen to us and help us get some type of resolution in this matter. Basically, they withheld the check so all of our charges would go unpaid and incur fees. We still don't have the check to this day. I don't think we will ever see this "unpresentable check".

I moved from St. Louis MO to Columbia MO to attend law school. There are no branches or ATMs in Columbia. My bank card was stolen. I called in to the bank to order a new card and informed the representative that I recently got married. He told me that I would need to take a marriage certificate to the branch in order to get my name changed. I agreed and told him to cancel the new card and note the account. Days later, I called the branch to orchestrate the faxing of the wedding certificate to find out that my account had been closed due to a $5 overdraft fee!

Apparently, I only had 2 dollars in my account and couldn't cover the $7 card fee. Card fee? Card that I never received? They couldn't get a hold of me because my phone was disconnected. What number were you dialing? The wrong one? Every digit correct except one. Data entry error? You bet. Never sent any info in the mail except the total bill. The branch can't do anything for me. Customer service couldn't do anything for me because (to top it off) there is no record of my initial conversation with the rep who ordered the card for me. But I would have to personally request a card to be charged a fee right? Now there's a 70.00 bill that has been reported to the credit bureau. Hopefully, customer satisfaction can help me! The nice representative said she is going to help me keep the account open. I'm scared to reopen it!

PNC Bank has the worst customer service I have ever seen. In the last few days, I talked to 3 different representative giving me 3 different answers. I have had nothing but problems with them and their representatives are incredibly rude.

A customer representative hangs up on a client. I was actually being calm with her. My initial problems started with them when I was charged $576 in NSF fees for fraudulent activity on my account. They thought they were being kind to me by refunding me $288 even though they took the blame for the fraudulent transactions.

To anyone who is looking to open an account at PNC Bank, look elsewhere and save yourself the frustration.

I have been receiving multiple overdraft charges for about 11 weeks totaling now close to $1000! I explained via email and phone that I live paycheck to paycheck, but they refused to credit them. I also went in person begging, but left running out crying! I applied for a $700 loan from Great Plains Lending about 2 weeks ago with it now being a waste since I only had to apply due to the fees and have to start paying on 1/6 and don't know how I am going to pay since they're applying overdraft fees on my account still today! PNC will not meet me half way since I have been trying to keep up with applying for a loan! I am, at some point, going to have to close my account but not sure what to do!

This fall we moved from VA Beach, VA to North Carolina. Before moving, I notified the businesses I had set up on autopay using my PNC Bank account of my new bank account numbers at OBX Monarch Bank and asked them to begin payment deductions from the new bank. I then called the Legion Road Branch of PNC and requested that they closed my checking account. The woman I spoke to told me they would have to keep the account open for a couple of weeks to be sure all the transactions cleared.

A few weeks later, I called PNC again and requested the account be closed and if any transactions dated after that call came through to return them to the payee as 'un-payable' because the PNC account had been closed. I then transferred the money from the PNC bank to my new OBX Monarch Bank account because I believed all business with PNC had ended.

Instead PNC continued to accept transactions dated after I notified them to close the account and removed my money. These unauthorized transactions cost me $192 in overage charges. I once again called PNC to close the account and was told the bank was not to blame and I had to pay the charges before they would close the account. I sent PNC the remaining $142 in fees on 12-31-2011 using registered mail.

I again instructed them to close the account and not accept any further transactions. I also advised them that I would not pay any additional fees and I was reporting them to the Consumer Affairs Bureau. I believe their overt business practice of refusing to close accounts to be an attempt to continue to collect huge banking fees from their customers. I also believe this business practice is unethical and despicable.

Customer Service at PNC banks is a joke. I have closed both of my checking accounts as of 12-28-11, but I wanted to inform you why I made the decision to close them. I rarely used my checking account for anything other than online payments, but was going to make some changes in 2012 and expected my PNC checking accounts to be more active. I realized that I was out of checks for my account and I came to the bank to sit with a personal banker to get 2 convenience checks printed and I needed to order more checks.I was told at the time that I would be charged $1.50/convenience check. I asked about a money order, I was told $5.00/money order. I asked about a cashier's check, I was told $10.00/cashier's check.

At the time, I thought that the $3 charge to get convenience checks was an unusually high charge, especially since I have gotten them before at this bank for no cost and I can go to another bank right down the street and get them for no cost. I told that personal banker that I could not believe I was being charged this exorbitant fee. I asked for my checking account balance and told the personal banker that I would use the checks to transfer funds to another bank and close my account. My account balance was $5317.79.

The personal banker decided to help me at that point. She said that she was able to close my account at that time. I chose cash payment to close out my account (to forego the $5/money order charge, or $10/cashier's check charge). The personal banker returned with: the customer copy of my debit form for $5314.79; $5314.79 in cash, closing my account; and 2 convenience checks from my now closed account.

So this is customer service at the Naperville Blvd., Naperville, Illinois PNC branch. The teller sold me 2 checks for $1.50/unit for an account that was closed. I had been a bank customer since 2003 and only became more and more incensed about the initial charge and then the blatant disregard for me or my finances and total lack of caring for the customer and servicing of the customer by proceeding to charge me for 2 unusable checks. Once the personal banker returned, I requested a receipt for the 2 unusable checks and she was nice enough to give me a receipt. Perhaps she believes this is good customer service.

I have had this exact same PNC account for almost 14 years. I set it and use it exclusively for direct deposit/electronic deposit of one of my children's child support and again, have done this for fourteen years, the exact same deposit, exact same source. But it has been getting to where even though these electronic deposits usually only take minutes for a button to be pushed and the money sent to the account.

So now, why does it take two to three days for the money to be credited to my account? This is where I interject that I have already verified the deposit source and they were able to provide proof of exactly when they transferred the funds to my account. Yet for two to four days, PNC said "no money here". I sent PNC a complaint about being a longtime customer like this and being treated like this, it takes even longer.

How can a bank just set and play with someone's money like this especially when they have proof that the money was transferred to the account? On top of which, I have noticed that because PNC does not have branches where we currently live, I am forced to use an outside teller and all I have to say about that is you know it's pretty bad when my own bank of 14 years charges me more to use an outside teller than the bank that owns the outside that I don't even have an account with.

When trying to use my debit card over the Thanksgiving weekend, it was declined time after time. I had enough money in that account to purchase a car. They issued me a new card with the same numbers, still the same situation. My direct deposit was going into that account; I had to write a check to withdraw it. I called customer service for the third time and still nothing has been rectified. I won't be using PNC from now on.

This is the 2nd time I ordered a PNC Points from that bank. The first time was terrible. This current time, the "reward" was due in early November. It is not here yet (late December). I have made many phone calls and emails to all including the venerable William Kosis and have no acceptable response. I shredded my PNC card because they are the worst company I have dealt with. No longer, they suck and I am very pissed off.

I opened a joint PNC account with my wife on 10/23/2010. No overdraft protection from another account, we decided to use the "opt out" option. It states that any transaction that will put you into a negative balance will be declined.

I do use the account often at all, but my wife does. I went to use my PNC bank card a couple of days ago. I checked the balance and saw it was negative $171.35. I didn't use the card, used cash, and went home to look over the bank statements. There is over a year's worth of multiple overdraft fees and daily overdraft fees, totaling quite a lot. I deposited $200 cash into the account Friday evening. I checked the account balance Saturday morning. It is showing still in negative by $71.35. I called my local PNC branch and asked why. I was told that only the first $100 of any deposit, no matter the amount, is counted until noon of the next business day, in this case Monday. All the while, I am being charged the $7 daily overdraft fee, even though the cash money is in there.

The day I deposited the $200 cash, I was in a local PNC branch, in person, trying to settle prior matters, but was overall dismissed. I had printed out statements of my accounts, where I was charged overdraft fees when I had money in my account. I showed them to the manager and told her to add them up. The only response was, "We don't add things up personally, our computer system does it for us." I replied, "If your computer system worked, I wouldn't be in here." She kept dismissing, saying she had other customers to help. The only other customer was a lady sitting near us, who spoke up and said, "I am in no rush. I am here to close my account because I am also tired of you taking my money for no reason." I could go on with plenty more, but not.

I was with Cap One bank, but the lines were always long. So, I decided to give PNC a try. I wish I didn't. Text and receive your account balance doesn't work. For example, I have a $100.00 in the account and spend $50.00. I ask to the balance and it will still say I have $100 for a few days. The same thing goes with calling in checking account balance. I got -$50.00 pending. What's the point of having this, if it doesn't offer up to date account info?

I stress, the wire goes to CitiBank in New York, and not an international wire. After 2 days on the phone, and online, in a remote area of Mexico, the best they could do was tell us to get a certified check to close with. Really, I'm in Mexico and they have no branches here, last time I checked.

We probably won't be able to purchase the home that we want, because the sellers need our funds to go to their new home, and they'll find someone else in no time. So, our Mexican attorney has an account in Miami, and we asked if they could wire his part of the closing costs to his account, and then the purchase price directly to the sellers in their Texas account. You got it, they have to check on that one, too. I'm thinking they won't even do that for us, and, it's my money! If I asked them to wire it to the Mafia in Chicago, they'd have no problems there. PNC truly sucks!

I called about getting my PMI off my mortgage. The agent told me why don't you refinance! Sure, OK, sounds good! $360 Fed package (documents) must be completed in two days, $500 Accounting Cost/Requested Documents, Section C, House Appraisal, Balance Sheet, Cost of Goods. Total cost to be declined: $860. Two months later declined for being an independent consultant which the underwriter knew from day one (on my taxes)! I am an independent/senior computer consultant (one of the most employed jobs in this economy) and 2011 I'm having my best year ever!

Suggestion: Please have the underwriter read the tax document on day 1! After all that, I asked the account representative about my original request on how do I get PMI off my account and he said it is not associated with the value of the home but the amount that you borrowed. So if someone refinances, do you make them pay 20% down and if not, then do they then start to pay PMI? How is it not the value of the home?

I went to PNC bank to cash my paycheck which was written from my employers PNC account. I was informed I would have to pay a $10 fee to the bank to cash this check. While normally I would deposit checks in my credit union account I needed access to cash before heading to my bank. Even though I made sure to let the bank manager know I was not happy about the fee and questioned the legality of such a fee I ended up paying the fee. To add insult to injury I was consistently pushed to open a PNC account the entire time I was there even following my discussion with the manager after making my displeasure known.

My wife and I walked into a PNC branch located in Oak Park, MI. Our experience was unbelievable. First, the branch manager, Cynthyia **, did not greet us with her name, or title. Second, she made us feel like, our presence was not welcome. Third, she turned her back to us when communicating. Most business professionals would walk along side the customer, to give a feeling of togetherness. Fourth, after our transaction was complete, we were practically pushed out of her office. Fifth, she never smiled or offered a handshake.

I received a check for some work I did. It was not much money. I needed the cash to get home on the train, so I went to PNC Bank at 1600 Market Street, Philadelphia, PA to cash the check that was drawn on PNC Bank. The Teller told me that it was going to cost me $10.00 to cash the check. I asked why. She told me it was because I did not have an account with PNC. I asked what it was that the $10.00 bought. She simply repeated that because I did not have an account with them, it would cost $10.00 (6%). I asked for a manager. She told me that "the girl in the lobby will help" me and pointed at the lobby. I found a woman after some looking, and she was happy to get me a manager, but could not find her. It turned out the original teller that I spoke with was the manager and was now unable to be found. Then, I was told that she went to lunch. Then, I was told that I could get a receipt, but that it would cost $10.00 to cash the check.

The money that the check represents is not the bank's money. It is the person's who wrote the check to me. The bank charges that person for the service of keeping their money and paying it out on their behest. Again, I ask, what was the $10.00 for? If they would not pay me unless I gave them a cut, then isn't that extortion? If they take a cut because they simply feel like it with no gain to me, isn't that theft? If they are being paid to pay the amounts on the checks (and they are by the account holder) and fail to do so, are they not ripping off the account holder, as well as acting fraudulently? If they will only cash it without a charge if I open an account with them, isn't that an act of coercion?

Where does the $10.00 fee come from? And what is the benefit to the person cashing the check in, that the bank has already agreed to pay out the amounts written on the check to the account holder and charged them for it? Would it be legal for Fedex, UPS, or DHL to open up and take a piece of every package that they have been paid to deliver or charge the recipient a hand it over fee when it arrives already fully paid for in advance? What is to stop PNC, and every other bank that we bailed out, from charging $20.00, $50.00, $1000.00 to cash a check? Why are these giants so inclined to crush the little people? Why is the government stepping in to bail them out with our money, but not requiring them to return the favor? It was only $10.00. But the ethics or absolute disregard for ethical treatment of another human being, behind the strong arm tactics of getting a cut are repulsive and to me, pathetic.

PNC Bank bought out the Bank of Lancaster County. People that had a mortgage with the Bank of Lancaster County and who had paid them off, are still shown with liens at the courthouse. PNC does not know if the amounts are owed or not. This can hold up settlements for up to a week to 10 days. PNC is not fair in not releasing these liens if they do not show as owed. This occurred twice over a two months' period with the estate of Jay **. I helped settle this estate for the daughter.

I have made my payments on time for the past several years, and recently, I was notified by PNC, that they had not received my 10/2011 payment. My records showed that I made my payment on 10/8, prior to my payment due date, and I had a confirmation number, which I always record when making my payments.

I asked that PNC look up the confirmation number, and verify that I made the payment. PNC never followed up with this request, and subsequently I made another payment for 10/2011. I then received a letter from PNC that my account was past due and my credit privileges were terminated with PNC. That does not bother me, however I do not want a negative reflection on my credit, because their system did not record my payment.

Again, I have never missed a payment and I believe the error was in their system, because I did receive a confirmation number. They did not carry out due diligence in checking my confirmation number, and now, they want to penalize me due to their error. I have had problems with PNC when trying to refinance my current home, and they have not wanted to subjugate to my primary lender. Ultimately I have not been able to convert from a variable loan rate, to a fixed rate.

I had a bank account with Bank Atlantic before they closed and became PNC Bank. A month before the PNC Bank opened, they sent me a letter saying that if I had any automatic withdrawal or deposits with Bank Atlantic, I had to call them and let them know of my new account number. Otherwise, they weren't going to get their money. Well, I had a direct deposit thru my job so I called them, canceled the direct deposit and gave them the new account number. I also had a car insurance policy withdrawn out of my account but I didn't call them to give them the new account number because I didn't want them to get the money out of my account. I believe this happened in the month of July.

Now, I had a direct deposit. I never knew that PNC Bank gave the State Farm my new account number and that they were taking the money out of my account until the month of October. I brought it up to one of the Financial Sales Consultant. She told me that we could do a claim against State Farm Auto Insurance and see what happens. The PNC Bank sent me a letter saying that there was nothing wrong with my account but the money was taken out of my account without my consent. The same thing was going on with the bank check card I reported. My bank card was lost and they sent me a new one but they are still taking money out of my account using my old check card number. I believe that there's a glitch in their system and they need to fix it soon. I'm pretty sure that I'm not the only person going thru this problem. The thing is that the PNC Bank doesn't want to fix it.

I withdrew my money from my local PNC and closed my checking account. About six weeks later, I got a statement showing the account was overdrawn. I looked the account up online and saw that it was overdrawn because PNC had charged me fees for having overdraft protection after the account was closed. I called the number on the statement and they said I would have to go to the bank in person prior to a certain date (about ten days later) and talk to somebody in person.

I did that the following week (about three days before the deadline they gave me). The bank manager I spoke to said that he needed proof that I had closed the account. He said the woman that closed it should have given me something saying it was closed. She did not. I told him that and he said she probably didn't close it then. I told him that she specifically asked me why I was closing it so I knew she that was the intention. He then directed me to somebody else. She looked into it and said that it had been closed but was "re-opened" because of the banks fees. She said that commonly happens. She said I should have asked to have my overdraft protection closed at the same time as the rest of the account.

This made no sense to me and I asked her if that meant that I could use the overdraft funds when the account was closed. She said "no". However, it isn't the banks responsibility to close the overdraft protection on an account just because it can't be used anymore. Huh? So, after going around and around on this, the end result is that they really don't care. They could clearly see that the problem was with their fees, but their only response was that I couldn't prove that I had closed the account and not just withdrawn all my money.

I ended up paying over $100 in bank fees just to finally get the account closed. The only positive thing was that I was able to get a few other people and businesses away from PNC.

I am filing a complaint due to being told by the bank manager at PNC bank that checks which were written had cleared.

I followed up three days later and found that, the bank returned those checks which had cleared and then replaced the payment with checks which came in a few days later. This caused the original checks, which had already cleared, to be returned and I was charged several fees.

This is becoming a pattern. I know that I have a lot of accountability as well and I am working on this, but something is not right. I have attempted to have this matter explained and have not been assisted.

I realize that I have some problems with this account, but PNC has taken thousands of dollars from me this year alone and I am really overwhelmed with this. I was told clearly by Michael on October 21 that two checks, one for $100 and another for $67, were cashed and all was okay. I later found out that these were pulled out and returned and the "bank" decided to pay something completely different. This does not seem right. As a result, my check of $100 returned resulting in fees. I have numerous similar issues with PNC. Can somebody help me?

They constantly reverse sequencing of checks so they can cause overdraft on checks that were previously processed. I have been overcharged huge overdraft fees because of how they reverse sequences. They make sure they process the largest check that will cause all checks that were previously processed to bounce!

My account was compromised due to my account number being exposed over the internet. My account was drafted two different times, one as an ACH draft and another as a fraudulent check created under my account number. My account was placed into dispute and researched, after research it was discovered that activity was indeed fraudulent and the money was put back into my account.

In the meantime, the account accumulated numerous amounts of fees. I went into the branch on several different occasions to find out when the fees would be removed and the account would be closed. Each time I was told the account cannot be closed until the dispute is closed, but once that was done it would be taken care of. Two months passed, I came into the branch because I saw that the account no longer showed up online under my profile. I was told the account was finally closed due to the dispute being closed. Two days later, $169 was taken from my account by PNC. I immediately called PNC and was told it was from the account in dispute being charged off with the $169 in fees.

I went to the branch the following day and was told no one there could help me. After explaining to the teller that I cannot come back and needed to speak with someone, David was sent out to talk to me. He said he agreed with what I said and the account should have been adjusted and then closed, and I also should have been notified of everything. He said he could not do anything and would have to speak with the branch manager, Behdis **. I told him she is aware of the situation and was suppose to be the one to clear and close the account. I got a call back the following day from David saying he spoke with Behdis and she said there is nothing that needs to be done and that is all the information he has for me.

This was taken out of my banking account and I can furnish that information also. You keep charging me, stating that I owe $15.90 and paid on 6-09-2011 only $2.05. I never pay that little amount online. Please correct my account or you have lost a customer for good. You do not need to contact me through an attorney but my attorney may contact PCH over such a small amount but a lot of harassment through the mail.

On April 9, 2011, my mother died with a checking account at PNC Bank, **, with no beneficiary listed. Shortly thereafter, I went to the bank to see how to close her accounts. She had other accounts with beneficiaries listed that they closed. They offered to set up a trustee account and said that they would transfer the proceeds of this checking account with no beneficiary listed to that new trustee account. I declined, and then they said I could not close the account. That forced us to probate court.

Probate court issued "Letters of Administration" and "Notice of Administration" which I faxed to them on 9/15/2011. I called today, 9/19/2011, and I was told that they did not receive them. I have the 9/15/2011 fax dated receipt that they did receive it. When I told them and offered to fax them the dated copies, they said legal wanted me to send them the original letter from Probate. When I said Probate court only issues one copy and every other company I am dealing with accepted a faxed copy, they hung up.

I'm afraid that if I send them the original Probate letter, they will either lose it or say that they never received it, forcing me back to Probate court. This account has $1,939.47 in it. Additionally, PNC bank has not sent a statement since March 2011. I feel that PNC bank is using this money and not paying interest on it for their benefit and not giving me anything but run around and excuses.

The underlying theme is the fact that many banks and annuity companies, AARP/NY LIfe also does this; tries not to have beneficiaries listed so they can hold your money from the estate for as long as possible. This is elderly abuse by design.

I went to cash my interest check for $34.06 which I get every month for my $100,000 CD. It is a Trust CD, and I had a lot of problems.

This never happened before. If they do not want to cash my check, why do they send it to me? I do not want it in my CD account. If I did, I would have set it up that way.

If this happens again, I am going to take the CD out at maturity and go to another bank. They do not seem to know what they are doing over there. I finally got the check cashed there, but what a difficult time it was for me.

My card was declined. I have no gas in the car and it was cold last night. I am in the parking lot waiting for the bank to open. PNC cancelled my card with plenty of money available. I called their customer service twice last night and once this morning and they could not reopen the card. I will be at least three hours late for work now. Did I mention it is cold in the car? The branch manager is going to get an earful when the bank opens at 8:30am.

I may lose my job and I will be blogging and submitting on every website I can find to complain to.

I went into a PNC branch with a check from one of their account holders to cash it as a non-account holder. I presented my state issued driver's license and I was then told that they wanted a second form of ID. When I asked why my state issued one wasn't good enough, they used all the encompassing excuse of "the patriot act" and I directly asked why is it that I can get onto an airliner with my state ID yet can't cash their ** check? Then, they started getting nasty when I demanded for a supervisor and they called the cops because I wanted my money. 12 cops showed up and in essence, told me they can ask for other forms of ID. So I asked the bank drones what they wanted and they said US passport or credit card. Last time I checked, I wasn't at a border crossing at some last world nation.

Finally, to really tick me the heck off, they then refused to cash the check because my signature on my photo ID didn't match how I signed the check because I have had nerve damage and cannot sign my name the way I used to. ** cops said I should get a new signature card for my license which is to expire in a tad over 5 weeks. Last time I checked, legal documents can be signed by those unable to write using "X" and since my photo was there on my license, why does the signature on my license have to match how I signed my name to anything? Funny too, when I pointed out to officers Krupke and Toody the fact that I can get on a plane with a driver's license only and go in to a gun shop and buy a firearm with the same documentation, the ** cop just said "well, you have to pass the instant background check".

With credit scores raging from 810 to 815, PNC Bank approved our request on December 14, 2009 to lower the interest rate for our Home Equity Line Of Credit (HELOC) from 6% to 3.25% for an 18-month period. The HELOC was originally issued in March 2007 by National City Bank, a bank that was subsequently purchased by PNC Bank.

This 18-month modification resulted in a monthly payment of $275 and was expected to enable us to meet both unexpected and planned financial obligations arising from the death of a parent, escalating home insurance cost, and sending our first child off to college.

During the 18-month modification period that ended on June 19, 2011, PNC BANK undertook several despicable acts that included a relentless pursuit of harassment, intentional misrepresentation of the facts, stealing, pilfering, and increasing the HELOC outstanding balance by adding bogus finance charges and late fees for several months. The following are some of the specific acts:

10. President and CEO James Rohr failing to act and respond when he was personally informed of these egregious acts in two letters sent to him via certified mail.

Had we not been vigilant, as we were, throughout this so-called modification period, PNC would have succeeded in adding more than $8,000 to our HELOC balance during the modification period. Naturally, this would have rendered us worse off than before.

In this challenging environment, like so many Americans, we have struggled to meet our financial obligations. As a black family hit hardest by the current recession, there are fewer things more satisfying and gratifying to us than the ability to pay our bills on time and maintaining an excellent credit score.

So far, we have substantiated each egregious act in the mountain of evidence provided to the Office of the Comptroller of the Currency (OCC) in a complaint (case **) filed in August 2010. We are not only waiting for PNC to return all the money stolen from us--the late fees, the overdraft fees, and purchases added to our account--we are also awaiting the OCCs report/finding in response to the complaint filed over a year ago.

A few months ago, PNC Bank withdrew money from my checking account to pay for a PNC credit card. Only problem is, I never even activated my card, let alone use it. PNC Bank was withdrawing money from my checking account to pay someone else's credit card bill, none of which I authorized. I kept getting overdrafts and miscellaneous fees from PNC Bank for months.

I emailed and called every number I could find. And I'm sure you can image how many times I was transferred to "another department," put on hold and then transferred again. It took many long and aggravating hours, but I finally got it straightened out, or so I thought, because the very next month the same thing happened.

They were still charging me fees for the mistakes they made! I had to go and resolve something that should have never happened, again. They apologized so I let it go. But guess what I saw in my statement today? Yes, another payment to a PNC credit card. My card isn't even activated so how can I get a bill? I chatted with a customer representative and he confirmed that it is going to pay a PNC credit card.

He (the representative) told me to call their credit card department. Just like the last time, I was already being passed on to another department. I asked to speak to a supervisor and he said there wasn't one in. I just can't take it. I don't have a ton of money, but that doesn't give them permission to jerk me around. Where is their security? Are they allowed to operate a financial institution like this?

Every other Friday I walk into PNC to deposit my check in a teller window. I have never had a problem until this Friday.

I called in for my account balance only to show my deposit was not pending, I then had the line transferred to customer service but they could not see the deposit was made. I was furious and they offered to file a dispute for a missing check, but then told me it will be much quicker to visit the branch.

I went home to find my receipt before heading to the branch. I was very disappointed on how the situation was handled. When I walked in, the teller who helped me the evening before, had walked out as soon as I came in, as if she knew why I was coming and wanted to avoid confrontation. I was helped by someone else who was telling me that even though my deposit was not showing as pending it would show up on Monday. I asked her why I was unable to see the transaction as pending and that I have never had this problem before, she said "the other tellers had put it in as a courtesy."

I asked her, "if I have a problem, I'm to come the branch each time? Not even the customer service representative over the phone was able to tell me she saw the transaction." She replied by stating, "All you have to do is ask them to call the Silver Spring branch." I then said, "I wouldn't have thought of that, If the consultant over the phone is telling me I should file a claim for a missing check of course I would be frantic."

The consultant at the branch was responding to my questions in frustration and was annoyed when I asked her to check their system. I had a bad attitude, but her attitude reflecting on mine does not make the situation better. She was not at all comforting, but if she was in my situation she would be just as frustrated.

I utilize online banking for 90% of my banking needs. My paycheck is directly deposited every two weeks but I mistakenly put the date for four bills to be paid the day before my paycheck was deposited. Yes, I made a mistake, but my history shows a very good paycheck being deposited every two weeks.

I was charged four "insufficient funds" fees totaling $144. When I called PNC, the customer service representative did her very best to help me. She was excellent. (Though PNC's solution to prevent this in the future was to sign me up for a high interest credit card to cover these damages). She checked with the branch manager and they were able to reimburse me $72.

I am just tired of PNC treating me as a number and not as a person. Perhaps I am an idealist. But if someone with authority would have looked at my account, they would have seen that this was an honest mistake and would have reimbursed me the $144. Shame on them.

I wrote a check on July 14 to Sallie Mae and a few weeks went by, I got a letter from Sallie Mae that they had not received their payment. This was August 4 so I went to the Tarentum, PA branch and did a stop payment on the check. The woman told me that the stop payment fee would not be charged unless the check goes in to be cashed. So I figured good, it may just not cost me anything.

But it was a lie. The fee was taken out right away. No big deal but I would have rather known that upfront.

A few more days went by and I issued Sallie Mae another check to replace the previous one with a double payment to cover the previous check plus late fees and the current months payment and sent it off to them August 12. I got a notice on August 15, Monday, that the original check is pending in my account so I called my bank and asked why. I found out that the person who entered in the stop payment entered in the wrong amount for the stop payment but sad for me not to worry, it won't go through because it is the right check number.

I then checked today, the 16th, and the check was cashed. I called them at 9 a.m. when the branch opens and Beverly said she will call me back to see what they can do. I got no call back so after lunch, I called back and spoke to Allison. She was rude to me and told me there is nothing they can do. They will refund me the money for the stop payment fee and for me to deal with Sallie Mae to get my money back and/or to file a dispute for the check. I asked how long it will take to get my money back because I have check current out in the mail due to be processed and if they get deposited I will incur bounce fees. She told me they can't do anything about that and said, and I quote, "What more would you like me to do sir?" in a real snide attitude.

It is not my fault the the person entered the stop payment information wrong. For her to have an attitude like that when I have been with them for over 14 years is unacceptable and I am switching banks ASAP.

On Thursday, 11 August 2011, 1 p.m., I was at PNC Bank to withdraw money and to get a notarization of an affidavit. The teller who served me provided me with excellent service and I was satisfied with his handling of clients. I asked him about notarization of a document that I had and he called the assistant manager to help me. I showed her the affidavit letter that I wanted to be notarized and the assistant manager told me that they don't notarize the document that I had if it is not in a format that she showed me.

I told her what I wanted is just a notarization of a simple affidavit to attest that I am the person signing it. My understanding of a notary service is to know the nature of the document and witness that I am the signee. The officer is not supposed to read the document and demand a special format. Just in the last five weeks, I had two notary services provided to me by PNC (one in Baltimore and another in Damscus/MD) without being requested to do it on a special format.

When the assistant manager refused to notarize the letter, I demanded to see the manager who came and told me the same thing. When I told him that I had similar service provided to me by other PNC branches and what was special about the Ballston/Arlington branch, his response was that the other two could have done this out of courtesy. Does this mean this branch is not courteous to its valued customers? Since I did not have the time to waste, I walked few meters to UPS/Fedex office and got the simple letter signed and notarized without a hassle for just $5.

I am disappointed with the way these two officers responded to my simple and straightforward request. I am not sure why the double standard or lack of consistent policy/guideline in this respect within the PNC family. Such lack of consistency and unsatisfactory response by senior officers of the said bank branch may lead one to reconsider doing business at PNC.

Apparently, they input a wrong phone number of one of their customers into their system, and that number happened to be my cell phone number. This customer of theirs has been defaulting on a line of equity loan since 2010; so, the PNC Bank collection representatives have been calling me every time ever since! It is now 2011 August, and I still get calls from them several times throughout the day.

This pesky process has been going on for two years now, and I even talked to their supervisors hoping to put the end to receiving their harassing phone calls. Later on the same day, I received the same call again and the next day....

If PNC Bank is this incompetent in getting their loans paid, they deserve the defaulting of loans. I've been trying to help them since last year, but they just cannot get it straight, or have the brain to fix the ongoing problem.

I lost my waitress job back in May 2011 and was job hunting day to day at local restaurants and retail places, looking for any place to work. I submitted my resume for an Attorney's Assistant position I saw on Craigslist for the sole fact that I was pursuing an education in the Paralegal field. This attorney replied to my resume letting me know that I was perfect for the position and that he would be paying me $455 salary to deal with his clients, keep his schedule organized and run any errands that needed to be ran. He informed me he was opening up an office here in Vero Beach, Florida and would be down in about a month. We had communicated over the phone and email for a couple weeks. One day he informed me that he would be sending me a check in the mail and I would use the money to shop for supplies for an orphanage in his hometown that he donates to every year. He told me he would be emailing me the supplies list as soon as he talked to the president of the orphanage. Once I received this check it was for the amount of $2,500. It looked like a payroll check. I deposited the check in my checking account at PNC on the Wednesday morning June 1, 2011. I emailed the attorney and let him know I wasn't going to touch the money in my account until I knew the check was cleared.

On Friday June 3, 2011 I saw the $2,500 clear into my PNC checking account. Before I contacted the attorney I was working for, I called PNC around 10:30 AM to verify that the money clearing in my account meant that the check was cleared. The representative explained to me that it only takes 48-72 hours for the check to clear and the funds were clear and everything looked good. So I called the attorney and let him know the check had cleared and I was ready for him to send the supply list for the orphanage.

He replied and let me know that he had talked to the President of the orphanage and they would rather have a money donation to be able to use the money where needed. He then emailed me instructions on how to send the money and where to send it. He told me he wanted the donation to be for $1,850 and to use the rest of the money as my weekly pay. I then went to the closest Western Union in Publix of Oslo Road in Vero Beach and completed the money transfer for a total of $2,011. This amount was too much to purchase using my debit card so Publix then had to call PNC and have them verify the amount and transaction for it to go through. After about an hour, the transaction finally went through and I contacted the attorney and let him know the transaction details.

The following day, June 4, 2011, I received a notification that my checking account was over drafted over $2000. I later discovered the check was fraudulent and the attorney I was in contact with was no longer reachable. I immediately filed a police report and filed a dispute with the bank. I then spoke to the representative, Jessica ** at the PNC bank where I opened my account, which is the Vero Beach branch, with all the evidence supporting that I was scammed. I had all the emails, the envelope enclosing the check, the name and phone numbers of the person I was talking too, the police report, and a photo of the fraudulent check. Everyone in the branch was unsympathetic to my situation and pretty much made me feel like I should have known better. After three weeks, PNC denied my fraudulent claim and has now held me responsible for the money that was sent out. After this happened, all the moneys in my accounts at PNC were frozen and unable for me to touch. My bills during this time were all past due and unable to be paid because PNC applied all the money I had left to be applied to this negative account. I tried to have the bank manager help me to contact someone over the phone that could help me in my situation and at least work with me. No one wanted to hear my side of the story and just wanted me to pay the bank back.

I feel that PNC is negligent in my situation because they had cleared the money to my account without the check being cleared. I feel like there was nothing I could have done to prevent this from happening because I was vulnerable and desperate for work and was even cautious with this money transfer. I feel that PNC needs to take responsibility for clearing and approving something that was in their complete control. If I hadn't called and made sure that the check was cleared, and if they would have told me that the check wouldn't be cleared for another week then I would have never made the transaction.

I have discussed my claim with my other bank, JP Morgan Chase, and they informed me that no other bank in this country would have made the mistake PNC did by clearing the funds of an out of state check without verifying that the check was good. I have had no luck in finding justice against this bank. To this day I am still fighting with PNC to resolve this. They have now put my name in Check Systems as a fraudulent check holder and I am unable to obtain a checking account anywhere in the United States. This over drafted account at PNC is not because of my irresponsibility, it is theirs. PNC has made it impossible for me to get on my feet again because they froze money in the checking accounts I had at their bank and has now caused my other accounts at other banks close my checking accounts as well.

I would like to get back the $491.48 that PNC took out of my other checking account I had at with them, I would also like PNC to clear the $2,011 transaction that they approved for even it is fraudulent. I also want them to clear my name off Check Systems. Lastly, I want PNC to compensate for all the trouble they have caused my life and finances. I know I have a case and all the evidence to prove that I am a victim and that PNC is responsible for their negligence. I know there is someone out there that can help me in this horrible situation. My life has been nothing but utter chaos and stressful for the past two months. If you are unable to help me with this I would appreciate any advice or information on anyone you know that can help.

I did an ATM deposit for a check that I received from a sale. It was not a personal check, it took two days to "clear out", and it was in my available money to be used. Then the day after, my account shows a negative balance of $1800 plus and with NSF overdrafts. Apparently, the check bounced after that.

I live check by check, and this is causing a family problem. My wife is feeling despaired and she cannot sleep. My biweekly direct deposit from work is frozen, and I have to replace the money in the bank. This has happened at a critical time that we are moving house. We need to give $2400 one month down payment and security deposit. Can somebody help me?

I purchased a new car from a dealership and was steered to PNC. It took almost 5 weeks before they acknowledged I was a customer and sent a letter with a first payment coupon. I immediately made the scheduled payment. I called about my name and address being incorrect, and having some concerns about my payment being applied correctly. I was assessed as a late charge; and now I am being harassed by the insurance department because my insurance declaration page does not match what is in their system. I had to provide proof of identity; and my insurance agent has sent 3 declaration pages.

I have never in my life heard of this but this incident with PNC has been most inconvenient and disturbing. I do business banking with PNC and I went to a PNC ATM to make a deposit. The location of this branch is 497 Plainsboro Road, Plainsboro, NJ 08536. I accidentally put in my regular banking card from another banking institution. The ATM asked me all of the regular questions about depositing of which I answered, and then at the last moment when it asked if I had an envelope, it said that it was not able to complete the process and then proceeded to shred my banking card in the machine.

I understand that there are security rules in place where a card can be shredded if left in the machine too long, but I was sitting there and the machine did not give me the opportunity to retrieve my. It just began shredding the card. Why shred a person's credit card without their permission?! Obviously, if we are using the wrong card for a deposit, the machine should give the card back and even if it was to keep the card, do not shred the card! Return the card back to the owner.

This incident has caused much inconvenience. I've had to contact my bank to get issued a new card through express mail, which is a cost to me. And then to top it off to have cashiers say to me, "Well I can show you the shredded card", was just rude and of no help to me at all! I'm thoroughly upset with this process as it has caused me not to have a card to be able to pay certain bills that I needed to pay as well as an additional cost for me to get another card. This process needs to be dealt with! Also I will be looking for another bank with which to do my business.

Deposited $7000 check on Saturday, June 25, 2011 and was told funds would be available within two business days. Went into the office to withdraw funds on Tuesday, the 28th of June and was told by rude, unprofessional, ghetto Kenise ** that funds were not available. I asked her why and she said that "it's not her fault that PNC's back office did not verify the check." I told her that's crazy. I offered her the number to the bank that issued the check and she said "that's not her business and she was not calling to do the verification".

So I had to call PNC's customer service. Which also gave me the run around. Customer service said that they apologize and verification was still in progress. I said that is not true because I called the other bank Wood Forest Bank in Alabama to ensure PNC did a verification and they said they did not receive anything from PNC. PNC said that my funds would have to stay on hold until this make believe verification took place. I explained to her that all PNC had to do was run the paper check through the scanner so that the bank in Alabama could see it and verify it and her response was "I'm just customer service." These are ineffective idiots completely. They have absolutely no follow through. No one knows who is doing the verification or why it's taking so long to release my funds.

Out of sheer desperation, I just closed out my default direct deposit to PNC Bank, formerly National City. I have been doing business with this bank prior to it becoming National City. I have had many, many problems before when I had to go into the office with all of my records to prove that I was being ripped off for overdraft fees that weren't my fault and were not legal. Today, the straw broke the camel's back. I keep very close tabs on my checking account, due to this problem, and almost every night, I'll go online, check my bank statement, make a copy for safekeeping - as I'm almost positive I'll need one as proof very soon, and then repeat the next day.

There have been many times when according to a day's print-out, I can see all of the withdrawals that have come in, and in what order they've been paid. The next day's print-out will have the withdrawal order rearranged such that it now indicates an overdraft situation that would not have occurred if the withdrawals were left in the order that they were originally. The one time I went in and had two overdraft fees, incorrectly withdrawn, in the amount of $36.00 each. They told me that the next day they would be removed from my account. The next day when I checked, they had only deleted one and the other was still there.

I had to get an attorney today to help me fight this mishap so that my credit isn't destroyed. I have had an automatic withdrawal on the 10th of every month for auto insurance, in the same dollar amount, for over two years. I know exactly when it is being withdrawn and the exact amount. I purchased a different car on June 1 and when I advised my auto insurance company that my payment for my old car was going to be taken out on June 10, I was told by the insurance agent that it was too close to the June 10 withdrawal to effect the dollar amount but that it would be taken out in July and I would receive notification in the mail as to the new amount prior to July 10. I did not receive any information in the mail from my insurance company as to the amount of the new policy or the amount that would be automatically withdrawn from my account.

Much to my dismay, when I pulled up my online bank statement on June 13 to check my balance, I was astonished to see that my balance was -247.76! Without my knowledge or permission, the bank allowed the insurance company to deduct $153.73. This in turn, plus the way they altered the order in which other debts had been withdrawn, resulted in a negative balance and they charged me three overdraft fees of $36.00 each. If I had known that this was going to take place ahead of time, I could have transferred money from my PNC Savings Account into my PNC checking account to avoid any negative balances and overdraft fees.

The next day, June 14, no new debts or withdrawals had come in on my account but now, they withdrew two additional overdraft fees of $36.00 each - for a total of five overdraft fees totaling -$180.00. I could easily have just deposited the dollar amount they say I owe, in hopes to stop the illegal overdraft fees from continuing, but I knew if I did, I would never get the money back.

Again, today, June 15, another NSF/OD charge of $36.00, now making a total of $216.00 in illegal overdraft fees and a negative balance that they expect me to pay in the amount of -$304.78! Although, I know that closing out a bank account in this day and age shows up very negatively on a credit report, I am at the point where I really don't care. I'm anxious to work with this attorney to see if anything can be done to avoid other PNC members from having to experience what I have been going through. Whatever happened to Customer Service and Customer Loyalty!

I was wrongfully charged bank fees for the last time. I called to speak with Mike, the manager. He was busy. I asked for him to call me back. He called me back about 6 hours later and had me on speaker phone. I was trying to explain to him that I have my print out of account and should not have been charged this fee. He was talking down to me and would not even listen to me. I then told him that I am going to file a class action lawsuit because I am tired of them taking my money. He said he was closing my account right then and there without my permission. I said my payroll is going in there tomorrow and he said it will be sent back. I have direct debits that automatically come out and now what am I to do with no pay and not enough time to change my bank information with my bills? I asked Mike for his manager's # and he refused to give it to me. Mike told me to search for it myself! He is supposed to be a branch manager for a very large bank and he told me to search for it myself!

I have direct debits that are due to come out and they will be sent back. I am going to be charged fees when they all get returned. I never gave permission for him to close my account. I am not rich and therefore he couldn't care less. I have the proof that I should not have been charged the fee! This isn't the first time they charged me fees that I feel were wrongfully charged for! I feel like I was robbed and then kicked in the face! I work for the IRS and would never treat a taxpayer the way they treated me! Please help me bring some justice for all the people like myself that cannot afford to let PNC rob them anymore!

I have been banking with PNC (formerly National City) for about 5 years. I am currently working with a much lower income than I have had in this time, and as such must manage my finances very closely. I have in past months received overdraft fees that I rightfully "earned". I had one refunded since they charged me an extra fee after I had replaced all missing funds, although this took a long and tedious conversation. I just received a new overdraft fee. I got notification via Email at 3 AM. (I was of course sleeping).

When I checked my email the next morning, I immediately checked my account, but it stated that I would have had approximately 2 dollars credit in my account had the overdraft fee been deducted. I had a posted balance of 35.91 and a pending charge of 33.45. I called about this trying to find the reason behind this overdraft fee. They told me that a charge (this is possibly an automatic charge from a membership program) had appeared at 3 AM but had temporarily disappeared. They said that since it had temporarily posted that I was responsible for all charges including those pending.

I myself, have never had the chance to see the charge that is supposed to have overdrawn my account. In addition, the email provided no information other than the fact that my account had been overdrawn. They outright refused to refund my charge since I had recently had a refund to my account. In addition, I deposited sufficient money as soon as I could get to the bank to cover the supposed charge (that caused my overdraft), my overdraft fee, and a slight surplus as a backup. Am I still honestly legally responsible to pay a fee for which I have never had access to visible proof?

I received an Home Equity Line of Credit from National City in 10/05. For $150,000. Since that time, the bank was bought by PMC bank. We have used the line of credit on occasion for investment purchases. And twice we paid the line off in full. Each and every payment as on time and in full. Twice when the loan as not used and had a 0 balance, the PNC offered us money to cancel the HLOC because we were great customers they said.

Recently in March , 2011 we called to verify our Credit line available balance. We were told it was now restricted. After many phone calls, we were told by an loan officer that in Oct, 2010, our payment was 7 days late, and to send a fax to Jessica ** to request a reinstatement of my account. After many calls and no return calls, we called the loan officer again and she stated to send a fax again to two different fax numbers. Once again, Jessica ** refused to take our calls and return our phone messages.

Today, I called after receiving the first letter indicating that our HLOC will not be opened because of failing to meet the repayment requirements. I called immediately and talked to a James ** at Customer service. Tele 877-762-8000. He reviewed my complaint and he indicated it did not make sense to him also and asked to once again to send a fax, stating I was only late one time in 6 years for 7 days. But I also asked for an explanation in our contract terms. He said if I was late one day, according to the contract, I failed to meet the exact requirements. I am very angry and feel my fair credit and NYS banking laws have been violated. I am a minority male and feel that also played a part in these actions.

I am working a short sale on my property. The first mortgage Chase has approved a HAFA (short sale), which is a blessing to me and my family. But PNC Bank has refused to accept what they offer as a settlement as per the HAFA a government program has max of 10% or $6000.00, whichever is less. In this case, Chase has offered them $6000.00. It's also stated in their website that they're participating in the HAFA. My negotiator has gotten nothing but rude customer service and they don't want to explain why I don't qualify for this program. As a result of them declining this request, I will not get the credit that Chase, the first lender, approved of, $3000.00 for me to start my life elsewhere, and my house will go into foreclosure.

I had two checking accounts and a savings account with National City Bank which I absolutely loved until that dreaded PNC Bank took them over last year. My debit card to my checking account cracked so I called to order a new one and I was told that there would be a $7 fee for a replacement card. I can't believe that they charge a replacement fee but OK, go ahead and order the new card because I need it. The same night, PNC decides to post a deposit I made at the branch as a check against my account.

The balance before the deposit was $1,526.11 and I made a deposit of $3,266.63 but they posted it as a check instead of a deposit so now my account was placed in the negative $1,740.52 instead of being a positive $4,795.74. Three auto deducts were scheduled but I wrote a few checks over the weekend since I had a balance of a little over $1,500. I was charged fees totaling over $400 plus they put a hold on my other checking account that I had to "cover" their $400 in fees that should have never been charged on top of charging me an overdraft fee for the $7 replacement card charge, which they did not order "because my account was overdrawn" which was their error! I made at least 10 phone calls to get this fixed and then it took them four days to reverse the overdraft fees and before they did it, my mortgage payment came out and of course overdrew my account again and they told me that it was my fault!

I finally got everything fixed and the fees reversed after a total of 31 days and still no new ATM card "because I was overdrawn at the time it was ordered". Not even an apology letter to me for all of the inconvenience they caused nor would they write letters to anyone I gave a check to that bounced. I also incurred $30 from a merchant because of the "bad" check that I gave them and they said that they can't refund other store fees--even though their error caused the fee. I ended up closing everything with PNC Bank and switched to KeyBank.

PNC Bank is horrible. I hate the state of Pennsylvania and now more than ever I hate Pittsburgh and their crummy PNC Bank. They need to shove it up their Keystone and stay the hell out of Cleveland. National City was never like this. Beware and stay away from PNC. Everyone in Ohio needs to close their accounts and tell them to get the hell out of here, those greedy, nasty **.

On 10/26/2010, 11/30/2010, 12/29/2010 and 1/26/2011, WorldVentures MRK debited my bank account in the amount of $64.97 each time to credit the account of Mr. Jermaine **. But WorldVentures MRK also debited my bank account at PNC in the amount of $60.97.

I contacted WorldVentures MRK and they said that they needed me to dispute it directly with PNC Bank. I contacted PNC Bank and they told me that there was nothing that they can do to refund my money despite the fact that I have provided them with proof that WorldVentures MRK debited my account without my permission to pay for another one of their member's products.

PNC told me that the reason is because I didn't dispute the charges in a 45 -60 day time frame, but I did dispute the charges within that time frame and have paper work proving such. On 3/2/11, Erika ** at PNC told me that there is nothing that they can do to refund me my money even though they see that the money was taken out of my account without my permission and applied to someone else account with the Merchant. With that being said, I would like for assistance or guidance on what I can do to get my money back from PNC bank.

A deposit was made from an individual's PNC account to my PNC account. It was taken from his account on February 10. It was to appear in my account on February 11. I got it on February 15. They used my money for 5 days and they charged me $72 for two bounced checks while they had my money.

There was a charge of $49.20 on our statement that was unauthorized so I contact PNC to dispute the claim. Less than a week later, the bank wrote us denying the claim. I reach back to them to reopen the claim.

One of the representative told me to contact the store, so I did. The store owner informed me that she keep all receipts. I asked her to check and see if she has any receipt for a transaction in question; she did not have one and she told me to contact my bank. By the way, the transaction date was December 6th 2010, which was on a Monday, but this store does not open on Mondays.

When I called the bank and explained to them, the owner has no record of where the transaction took place. The representative told me to go to the store and get a credit. I don't know the process, but I do not think this should be my responsibility to keep going to the store to investigate this matter.

PNC bank denied our claim twice. Please advise me in this matter.

This bank will add up all debits in the pending column and if the total is greater than the available balance, they charge an overdraft fee for each amount pending regardless when it went in or if the amount would have caused an overdraft. When an amount posts and does not cause an overdraft, they still do not remove the fee.

This bank will also post transactions and charge overdraft fees 30 minutes before a direct deposit they know is coming. (According to another bank, auto transfers are notified prior to the actual transfer).

These practices couldn't be legal and needs looked into and corrected/punished. I've lost a lot of money by compounding fees. I have no problem paying g a penalty that is fair when it is my fault but a lot of times the penalties are suspicious. When you call customer service, they seem unsure themselves and then give a roundabout answer that a rocket scientist would be left scratching their head at the "math" being used.

I had been paying a month late since August. I paid up to September. I owed them October through December. I have the money to pay those months but they won't take the payment and now they want me to pay for September again because they claim I didn't pay. I have proof in my bank statement that I paid for September. On the 3rd of September, they took the payment for August and on the 29th of September, they received the payment for September. I have the money to pay for October, November, and December but they won't accept the payment.

I called them several times and they said that I have to wait until someone from the PNC Mortgage Company to call me back and every day that I wait, I have to pay charges. I called them again and they keep telling me to wait until I receive a call from them. I was paying a month late since August because I wasn't working but I have the money and they don't want to take the money. Thank you for the time you spent reading my complaint against the PNC Mortgage Company.

A check written for $160.00 was debited from my account for $1160.00. When I brought this to the bank's attention, they saw the error and filled out a dispute form. They then commenced to tell me it would be 3 business days for them to transfer the $1000.00 back into my account. It is December 21st and that was all of my Christmas money. There is no way to contact the "back office" where checks are processed, and no one higher than the Branch manager to speak with. We have been banking with them for 10 years. We are done. Bad checks anyone? Embarrassment. Fees upon fees upon fees that I am fighting to have reversed and/or paid.

Today, I received a call from PNC Bank. I missed the call and once I was able to return the call, I spoke with a Ms. Shirley ****. She didn't give me her name. She just stated that she was PNC Bank calling about an overdraft balance. I told her that it was not my fault for the overdraft. I put money in the bank to cover the fee prior to it being with drawn from my account. She stated she was just calling to inform me that my bill was $106. And I told her that I was just in the bank and no one informed me that I had an overdraft.

Ms. Shirley *** was rude and could have handled this in a professional manner. I have had problems with PNC Bank in the past and have not closed my account. Previously, money was being taken from my account without my knowledge and was compensated because PNC could not explain why overdraft was being made without me being informed.

I used the PNC ATM wanting to take $300.00 out of my savings account, but it stated that it could not do the transaction at that time. Two days later, I checked my account and it was taken from my account ($300.00).

My husband's IRA CD will mature soon but we haven't even received the CD maturity notice from PNC (two days away from that maturity date)! But the most ridiculous thing is that PNC doesn't even provide the wire transfer service for IRA CD rollover! The detailed story:

1. I have to send a secure email to ask why we haven't received the CD maturity notice from PNC, when it was only six days away from the CD maturity date. PNC's reply was that we have to call their IRA office. We called and PNC just said that it was already passed their three-week notification time frame of the maturing CD notice so they won't send it.

2. We then asked PNC to rollover my husband's IRA CD to other financial institution via "wire transfer." Surprisingly, PNC told us that they do not provide wire transfer for IRA rollover. PNC only uses "regular postal mail to send checks" with $25 charge and they only accept "original documents" (no fax, no wire transfer). IRA rollover procedure has to be done via "regular postal mail" although the receiving financial institution provides wire transfer.

3. PNC does not track the mail either so it is up to the customer to track. We called PNC IRA department and they confirmed that the time line for customer to track the mail is as follows: a) customer sends mail to receiving bank to initiate the IRA transfer (PNC only accepts original documents)

2) When receiving, the bank sends the IRA transfer form to PNC, and the customer needs to call PNC for 7-10 days to find out if PNC receives the IRA transfer form.

3) When PNC receives the IRA transfer form, the customer needs to call PNC for the next 2-3 days to find out when PNC finishes the processing and sends the check to the receiving bank.

4) Since PNC only use regular mail (not certified, not registered, not FedEx, not UPS) which cannot be tracked, customers need to call the receiving bank for the next 7-10 days to see if the check is received by the receiving bank.

5) ifIthe receiving bank does not receive the check in 7-10 days, customer needs to call PNC. It takes 2-3 days for PNC to research. So customer needs to call PNC for the next 2-3 days to find out if PNC will re-issue and re-mail the check.

6) If PNC mails the check again, repeat the steps 4 and 5. Please note that this procedure can lead to many problems, e.g. if step 6 will be repeated many times, your money will just end up in PNC bank forever but without any interest. The whole process is complicated, insecure, and time-consuming. PNC dumps the horrible burden/hassles to customers under their ridiculous IRA rollover method. We waited in the post-office for 40 minutes just by sending the initiating letter to the receiving bank--considering that PNC is one of the top U.S. banks, their service is unbearable.

PNC ATM balance inquiries display overdrawn accounts with the overdraft amount as "Available" with the negative operator trailing the figure. This is a deceptive means to lure customers into thinking they have available funds under the guise of a "software glitch" so banking institutions can collect more overdraft transaction fees.

Do not do business with PNC Bank. I have an equity line with PNC and I have had a perfect credit rating for twenty years. Last month, I took a vacation and forgot to program my monthly payment into my computer. As a result, the payment was two weeks late. I had never before made such a late payment. Nonetheless, my borrowing privileges have been terminated and PNC has refused to restore those privileges despite the fact that nothing has changed since I was granted the original credit line, and I was in fact over-paying the loan each month.

Do not take out an equity line or mortgage from this bank, ever.

I have many, many overdraft charges in my checking account, causing extreme anxiety and loss of money to a very rich bank who I dealt with for over ten years.

I have been banking with PNC for a long time, before they were PNC in the Toledo area. I had my account for almost 10 years. For less than $70 over-drafted, I was charged 160.00 in overdraft fees. Their fees are so excessive! I went into a local branch and spoke with Wanda **. She was so rude! I told her that I was charged four $36.00 fees for a mistake.

My deposit was pending, even though it was in the bank and they put 4 charges through before the deposit posted. She told me that there was nothing she could do for me and asked if I wanted to open a savings account for overdraft protection. I told her no thank you. I emailed customer service on-line and told them of my situation, and they told me that I am free to close my account. So not only does PNC charge excessive fees but their customer service sucks! I will be closing my account out at PNC. If you live in an area where Huntington Banks are located, they are giving you a 24 hour grace period before you receive any overdraft fees! I will be switching my account to Huntington Bank.

On 09/25/2010 I tried to cash two checks which are drawn on PNC bank. I do not have an account at PNC bank however these checks were provided to me by a family member who does have an account. When I tried to cash the checks they told me I needed to VALID forms of ID. So I provided them my driver's license and SS card. To which I was told that a SS card is not a valid form of ID.

When I inquired as to what a valid form of id was they stated car registration, Passport, or even an Insurance card. When I asked how many forms of ID they require from an account holder they stated only one. Now this has nothing to do with security as they tried to tell me. If it did a Federal ID should be a valid form of ID this is purely due to their greed.

If they force you to take a check to your bank it makes their bottom line look better to the FDIC. I have been with little banks in the past which would pull such BS but never thought I would see this from such a large bank. As I was going to change banks mine is now 1 hour away from where I live PNC has lost a new customer I urge everyone to stay away.

Due to loss of income at work, I fell behind on my FHA mortgage with PNC. I was on a repayment plan and was just calling to see if can get a lower interest rate. They always tell me that the investor will allow or do not participate with any programs here to help homeowners underwater. My latest tax bill shows my home purchased 3 years ago, went down in value from $163,00 to $94,000.

The lady who answered told me the plan changed and I did not have a payment due for July 2010 and she verified additional monthly payments to satisfy the agreement. When mailed in August 2010, they sent my check back and sent me 6 letters in one day, telling my starting foreclosure proceeding and if want, they can put me into another repayment plan with higher payments and over 10 months, and an additional $400 in late charges. They cannot tell me who I spoke with in their records and they are very rude as telling me I signed a legally binding agreement. I said I did not make this up, as one of their representatives informed me of the changes.

The bank ran a promotion in April regarding home equity line of credit. We needed on and it sounded good, so we applied. The deal was that, if you applied between April 12 and May 31, 2010, must be a minimum of $25,000. Must be booked no later than June 30 and payment must be automatically deducted from your checking account. They said that if all these were met, $200 will be deposited into my checking account within 90 of the loan being booked. We met all these and are still waiting for our money. Every time I call, the reply is "It is being looked into to make sure we qualify". We do!

I have had an absolutely horrible customer service experience with PNC Bank. They have taken over the loan that I previously had with National City and I have had a horrible banking experience since then. I have never had a late payment of 30 days or more. I have excellent credit and yet, it has taken over 2 months to process a loan application that would provide better terms for an existing loan! To date, my application is still not completely processed and I have been given the runaround when I inquired of the status. I have provided timely documentation and have been extremely cooperative with this extensive process for the last 2-3 months.

Not only that, I have requested 3 separate times for a payment date change for the existing loan until the new loan is approved, which has taken 3 months and that is also still not processed. I was told the change was made and now, I am told that I must make another payment for change to be processed which still had not taken effect until November! I have been given the runaround the entire time that I have been with this bank. This has been a horrible experience and I have never had such an experience with any other bank. I will never open a personal/business account with this bank and will take every opportunity to tell anyone else I know to avoid banking with them as well. I have expressed my concerns to the branch and consumer loan departments and to no avail. The customer service of this bank needs to improve drastically.

PNC's Home Remodification program is nothing short of a Nightmare! After losing my job, being diagnosed with Fibromyalgia, and having 2 kids in college PNC advised us to apply for a loan modification. At the time, all of our payments were current, and we were told we would have an answer within 3 months. After a year of paying our agreed upon reduced payment, we were denied! Although we income qualified at the time of our application, my husband now had a second job. The position is per dime and not guaranteed income. Despite this fact, PNC counted it against us.

Furthermore, they lost our paper work, and required that resend the same documents 3-4 times. They failed to communicate with us and told us several times they had everything, and we were in final review. When we called the next week, shockingly they were missing documents! Letters were sent to us weeks later, and we were placed on hold for an hour every time we called. We feel that had PNC handled our application in a professional manner, we would not be in this situation!

They are now seeking over $5000 from us--the difference of our full payment and our reduced payment. In addition, they have hired Steven ** 's office and are starting a foreclosure! We feel like the program is a trap! We paid monthly, in good faith, for the entire year! No where in the agreement, did it say we were jeopardizing losing our home! Had they told us up front, we would have never gone through the process! We have three teen age daughters, and six pets! Our youngest is in tenth grade, and now in jeopardy of having to switch schools. Our home was new construction and our 2.5 acre wooded lot is now a park like setting!

Our life's savings is in this home and PNC is aware that we have equity! We believe that is why they are taking our home! We recently filed a complaint with the NY State Banking Department! We're asking that more consumers file complaints with their State Banking Department & put a stop to PNC's Unethical Predatory Lending Practices!

PNC just took over my town bank and what a mess! My original bank offered overdraft protection and it carried over. Well sort of. About 3 weeks ago I received a letter saying my account was overdrawn by $160 and sum odd dollars. I have a $500 OD protection. Thinking I may have used all the $500 I immediately transfer $500 to the overdrawn account to cover any other items out and another $500 in to the overdraft protection account and wait for the smoke to clear. I check my accounts after the weekend anticipating fees, none? No fees and the account were never below $400? I look at the overdraft account and it's minus $160 still I'm confused?

I transfer $160 to the account to bring it to 0 no luck. I call PNC they say glitch! And sense I have overpaid the overdraft account $500 dollars they will mail a check. I say no, transfer the money back to the account it came from they say ok. I check the accounts 2 days later and once again OD protection shows me using $300 sum odd dollars, another call (we mailed you a check August 17 and deducted the money from your account sir) so now I'm in dept wit interest till I get a check of my money? What! (And it's not the $500 overpayment!) August 25 no check but I'm still in debt for $300 and short the other $200 so I call again where's the check? We mailed it on the 18 I say what?

I am a carrier for post office and work right by mailman so let's not have check in the mail, Give me a supervisor! (Sir all our loan checks must be held here for 10 days it will be mailed on the 2nd of September. Hmm the check is printed on the 12th and held 10 days n mailed on the 2nd the fallowing month? No wonder the banks are failing they can't even count! I make good money and I can afford to wait but what about people that live payday to payday and can't afford it? They get in this position with their money tied up and there "overdraft protection" being used when they may need it? Its plain criminal and they should be charged!

Since the time of opening my PNC account at the year end of 2008 I have incurred $4,304 dollars in overdraft fees. It is unfair for the bank to be able to decide which transaction should come out first based on the amount PNC has manipulated the order in which it processed transactions in order to maximize the number of overdraft fees charged, processing the largest transactions first. This zeroes out a customer's balance faster and charges overdraft fees for each smaller transaction that goes into the negative.

The bank is charging overdrafts on pending transactions. Even if you have direct deposit and the money to cover expenses on (pending trans) is in your account before the bank opens the following business day and before (pending transaction post to your acct) they will charge overdrafts on any pending transaction. They also hold pending transactions longer so this happens more. They make sure that the largest is posted first so all of the smaller ones overdraft, even if the larger one comes in two days after the smaller one's. If a transaction is pending, they should not be allowed to hold the money. It should either post or not post. If you don't have the money to cover an expense when it posts, only then should it overdraft your account. This is a scam on middle class wage earners.

PNC Bank is reordering our transactions from the highest to the lowest, causing more NSF fees. This is not fair. Let's do something about it. I have contacted a lawyer. Over the past 5 years that we have banked with PNC, they have taken thousands from just us!

Why am I closing my PNC accounts? Let's look back to 2008 when my brother passed away. My father and brother had two accounts which we changed to my fathers and my name after my brother passed away. Only one account was correctly processed and the other was just in my father's name. The account only in my fathers name had no signature card with $95,000 in it. How could this happen? 2010, my father passed away.

We had to open an estate account because of the mistake PNC made on the savings account and PNC closed the branch where the changes were made and they couldn't find the paperwork. But the change was processed because my brother's name was removed. PNC changed my address to my lawyer's office because the estate account was set to go to the lawyer's office. They changed the address on all of my accounts. I found several letters from PNC in my dad's paperwork with corrections where PNC double-pulled checks cashed at one of PNC's branches.

Let's look at the mortgage process. How can a mortgage take 7.5 weeks to be processed? Beginning of March to end of April 2010. $215,000 purchase where we put $100,000 down and paid closing costs. Where I have the cash in the bank to cover the loan. Where all three buying the beach condo had credit scored well in the excellent range. Then to make a mistake and not process the city taxes and refund coverage from the escrow account and reduce the monthly payments. It was in the closing paperwork we signed for the loan and you make another mistake. Now I have a bill of $1300 to get the escrow account back to where it should be or over $100 a month extra a month until it is caught up.

Credit report. Hard hits to our credit reports 6 times in 2 weeks by the PNC mortgage company. Do you realize what that does to a credit score? Or is it you just don't care? Setting up an account for paying the mortgage. PNC had my driver's license in their hands and processed the account to the lawyer's office, which was not even in the same state. My profile address has been set to my lawyer's office since we setup an estate account for my father in February and applied for mortgage with PNC. It was a question about the property on Main Street and I explained to PNC mortgage that was not my address and was only for the estate account. 7/14, I sent message via web page to correct your error again! Your accounts have been corrected, not the profile which the email was about. I can not change it. That option locks up my computer at work and at home.

Over $90,000 tied up in the estate. 7 months now and we can't use it until the estate is closed by the court because they couldn't find the paperwork showing the change. Now $50 in overdraft fees on an active account used to pay bills with and $900 missing, which I have to go to the bank to get straightened out and get my money back. Needless to say I am closing all the accounts I can Saturday morning when I go to the bank. I am not looking for assistance as I have a lawyer. I just want to register this complaint because of the ongoing problems I was having with this bank.

At the end of June 2010, PNC Bank closed my account. I had an account with National City, which PNC bought this past year. I can honestly say that I made mistakes on my account. At the time the bank closed my account, I had a negative balance around $300.00. Much of the negative balance was due to overdraft fees. Before PNC closed my account, my child support was still being directly deposited into the account. I was paying the bank off little at a time. In May 2010, my living situation changed and because of this my monthly bills increased and practically doubled. I was struggling, but at this point PNC could look to see that I was making an effort to get my account back into the positive.

Regardless of the weekly deposits my account was still closed. At this time I went into the Bexly Ohio location to see if anything could be done. The customer service representative informed me that due to the amount of time my account had been in the negative that policy was to close the account. I asked her what would happen to my deposits and she informed me that they would be returned to the institution. She also gave me the number to customer service to see if there were any other arrangements that could be made. I called customer support and they also told me there was no way to keep my account open and that my deposits would be returned. I was having problems understanding why they would not allow the deposits to continue to come in to pay off my negative balance so she transferred me to collections. The gentleman that I spoke with reiterated the fact that my deposits would return to their institution.

After learning the above information, I completed an application with Franklin County Child Support to receive my child support money on a debit card. After talking to three different people at PNC, I planned on using the future money to buy my son's school clothes. I promised him that as soon as the card arrived in the mail, I would take him shopping. I received my child support debit card on July 31, 2010 and the balance was 0.00. I called child support and they informed me that PNC had still been taking the money, and did not return the deposits. Three different people at PNC stated to me that my deposits would be returned to their institution.

I completely understand that I owed PNC that money. I was going to start making payments to them once school started and I got my rent paid. Because the people at PNC told me that my deposits would be returned once the account was closed, I made plans to buy my son's school clothes. If they would have told me the correct information from the beginning, I would have tried to find another way to get my son's school clothes. It is very frustrating to expect money to be coming and then not have it. In this particular situation, my son is the one that will suffer.

While I freely admit to my mistakes as a previous customer, I feel PNC bank is left standing and not hurting one penny. Three different people told me something that was not true. This is a bank that I would not trust. I will make sure everyone I know is aware of bad service of this bank. If anyone asks my opinion of PNC, I will tell them that PNC Bank are crooks and the company as a whole does not care about their customers. There is something wrong when the employs give their customers false information. I messed up on my account more than once, and looking back, the overdraft fees that I paid over the years could probably pay for a few months rent on my apartment. I have spoken with two different people at PNC since learning that they still took my child support after my account closed and they could care less.

All they could do was make excuses for their co-workers that had given me false information. I strongly feel that PNC should be accountable for their mistakes, as I was for mine. If three different random employees are ignorant to basic rules such as the one discussed in this letter, then there is a problem. Shouldn't all employees be educated and know the policies of their employer. In summary, word of mouth is a very powerful tool. I will make sure that everyone I know is aware of the dishonesty and shady ways of PNC. I am also going to send a letter to the Better Business Bureau and find websites where I can comment on the customer service of PNC Bank.

I contacted Naca in July 2009 for help getting a reduced mortgage payment amount with National City Bank, now PNC (I retired in December 2008 and my income had changed substantially). With Naca's assistance, I was able to obtain a lower monthly payment (by $300) on a trial basis. I began paying the reduced amount around September 2009 until July 2010. I sent all the paperwork they required and made payments every month on the first. After PNC merger, I was told I'm no longer eligible to pay the reduced amount. They sent back a portion of my June 2010 payment and my entire July 2010 payment and have placed my property in foreclosure. PNC is requested that I resume the higher payment amount, as well as catch up for the entire year that I paid the reduced amount.

Now my property is in foreclosure because of incompetence on someone else's part, not because of anything I did. I was never told that this was a possibility or I never would have agreed to the reduced payments. I was told to pay the reduced amount for June 2010; then a portion was returned. Never did I get an effective date to resume the higher payment amount. I don't know if there is some confusion because of the merger at PNC. Before Naca, my payments were high but I did manage to make timely payments every month. Had I known I would have to catch up the payments later in a lump sum and my property would be in foreclosure, I would not have accepted the trial plan. I should not be penalized by PNC, because I participated in a lower payment program that National City Bank agreed to. Therefore, any assistance you can offer would be greatly appreciated. Thank you.

I've been banking with PNC for a couple of years. I've had several problems with them but recently it has been about overdraft fees. My last run in with them resulted in me having the fees removed from my account. This was after hours and days of going back and forth with customer service representatives. It was one of the most exhausting things that I ever had to go through.

This time, however, resulted in nothing but more aggravation. I was alerted by email that my wireless bill was going to be pulled from my bank account on 7/30/2010. I noticed that my phone bill was about ten dollars more than what I had in my account. So I quickly proceeded to transfer fifteen dollars from an external account to avoid getting an overdraft fee. This was on a Friday so I knew that it would take a few days to post. I assumed that since I was alerted to the withdrawal on Friday that it would also take a few business days to post. I left the account alone for an entire week because I knew that there would only be five dollars in there.

Today, I decided to check and make sure that everything had posted the way it should have. I felt I had to be sure with PNC because of the bad reputation that they have for wrongfully charging overdraft fees. I open my account to see that I am fifty one dollars negative. I immediately called customer service to have my account closed. I had had enough of this with PNC. The person I talked to informed me that I could not close my account because it was in the negative and that the only way that I could close it was if I paid this overdraft fee that, I felt, should never have happened.

I asked to speak to someone else. The man that I spoke with was not helpful at all. He told me the same thing as the woman before. The only difference was that he let me know that he was aware as to why I made the transfer. He said that the reason for my transfer wasn't in dispute but that it took three business days to do the transfer. And because of this, there was an overdraft fee charged two days before my transfer went through. I did the transfer the same exact day that I was alerted the wireless bill would come out.

This man then proceeded to tell me that I could not have the fees removed from my account because I had previously had overdraft fees removed. And that the only way that I could close my account would be by going to a branch and being charged another thirty dollars on top of the fifty one that I have already been charged. Also, my account would be charged seven dollars everyday until this fee was paid. I have no idea how this man could openly tell me that the reason for my external transfer was known and understood, yet still charge me an overdraft fee.

Where is the fairness here? He kept telling me that it was because I didn't have the money in my account. And I didn't understand why he would keep repeating this after stating that he understood the reason behind the transfer. He said that I was being ignorant when I told him I didn't believe he couldn't close my account. I felt that he was rude and kept talking over me and refusing to do the service I was asking for. So instead of closing my account with a negative of fifty one dollars, I'll have to wait an entire month of daily seven dollar charges to the account before it is closed and sent to collections. This will affect my credit because I do not have the money to pay this fee. I recently lost my job and am having trouble collecting my unemployment benefits. I will most likely start to receive these benefits in less than two weeks. But by that time, this fee will have escalated to over one hundred dollars. I will have to open a new account at another bank.

Ever since they bought out National City, only the best bank ever, I have had nothing but issues with PNC. I have overdraft protection, or so I thought. They now have charged me many overdraft fees and $7.00 a day fees on top of that. They have only refunded a few of those fees. If I could even access my account online, I would have all that information but now magically, I can't get to my account online. I hope they go under. I hate them with a passion. They call me several times a day which I think is harassment to pay on my overdraft protection which they are now billing me for as they claim it is now a line of credit. I hate PNC! I hope they get sued for everything they have caused them to go under!

I work for the State of California DMV and our salary was cut due to Furlough days ordered by the governor and caused financial hardship. I called PNC Mortgage if they have any hardship program available and they referred me to their Obama's MHAP loan modification. I completed the application and mailed it to PNC Mortgage. I was having difficulty making my mortgage payments due to our salary cut but I made all my payments on time. I was probably only late 10 days one time before I went into the program in August 2009. They accepted my application in October 2009 and I was told to make trial payments that was due in Nov 2009 and will end in Jan 2010. They told me not to make any other payment other that the amount requested for trial payments.

I have called so many times every month but they keep telling me it was still being reviewed and to hold on. January 2010 came and I made my last trial payment but I still never heard anything from them. In February 2010, I received a letter requesting for documents and I mailed them in. In February 10, 2010, I called to ask about payments and the associate told me that my application is still pending and they are trying to get the best possible loan modification that is right for me but to hold on to my funds until its finalized. I never heard anything from them after that. I called in April again and I was told its still pending but this time she accepted a payment.

I made my payments for April and May but in June, they would not accept anymore payments because they said my application was transferred to collection because I was not approved for loan modification due to my mother not living with me 100%. My mother lives with me and my sister because she is disabled. They should already told me that from the very beginning instead of stringing me along for almost a year. Then they sent me an application for other options but at the same time they want the balance due on my mortgage by August 2010 or they are going to continue with Foreclosure proceedings. My mortgage is not up side down and I have at least 50,000 equity on my house but I think they do this to foreclose people's houses and they can make money. I am able to save my house because I paid off the balance due but my credit is ruined by this loan modification.

My credit report was ruined by PNC. It was the only negative showing on my report. It showed I was behind all this months and that I owed $10,000 plus amount but I was actually on loan modification and made all my trial payments. If it did not take them almost a year to finalized it I would not be behind because I was not behind with my payments until they put me in to the Obama's MHAP that does not work.

I lost my job in January of 2009. My wife and I had made every payment to PNC (formerly National City Mortgage) on time for the past 6 years. Our payment is $3178.95. I did find employment after 5 months but still did not miss a payment after all this. We pulled money out of savings to stay current. We applied for the Obama "Making Home Affordable Plan" and were accepted. Our monthly income was lower now with my new job so I was happy. Our new payment was going to be $1825. It was a huge relief and we made the trial payments on time and even early for 3 months. After the trial period, we received a letter stating they have been busy and to keep making the payments until they get back to us.

They sent us a letter in March stating they wanted a copy of my pay stub to verify my income again. I faxed it to the number they gave me. The fax machine gave me confirmation that the fax went through. I didn't hear anything until PNC sent a letter saying we are out of the program now, because they didn't receive the information they needed and we owe them for the full payments for the past 6 months. It turns out they gave me the wrong fax number. It's an honest mistake but don't penalize me for it. They don't accept partial payment so I now owe them over $18,000 to bring my mortgage current. I asked if we could get back in the "Making Home Affordable Program" and they denied our request. What happened to the $9000 we sent them for the "trial" period, and wouldn't that apply to the $18,000?

I called them yesterday and they said it is still in loss mitigation and they have not resolved the issue. I know others have this issue with them. I just want people to know what happened to me so it doesn't happen to them. I'm trying to see what my other options are now. I want to stay in my home and I do want to pay my mortgage. I just don't like getting the runaround. And an honest answer from someone would be nice.

I have had a home equity line in place for several years(2003). Have made nearly 100 payments on time at a rate of payment in excess of 2-4 times minimum amount due each month. In this time period only on 2 occasions was my payment late (approx.8 and 10 days respectively) without missing a payment within billing cycle. PNC closed my equity line. The net worth of the asset (home in today's market) is in excess of $700,000 with total amount in loans against (including home equity line) it of $290,000.

It is incredibly disturbing to know if this unacceptable treatment could happen to me with my proven track record for payment and net worth. How is PNC treating other customers? My contention is this is an unfair lending practice which clearly needs to be addressed by PNC and federal regulatory agencies. I request immediate action and ask if other complaints similar to my experience be combined to see if there is the possibility of forming class action law suit.

While cashing a check made out to me, I was informed that a $10.00 fee would be charged to me. I am not a customer, But the check was a PNC check for me to cash for my boss's purpose from his account, which millions pass through annually. Just to let you know, he and I both are furious with your bank. For me, the non-customer, how fast do you think I will ever become a customer? As for my boss, I can't speak to his reaction, but he sure isn't very happy.

That's what you gained from this "cute little maneuver"

Shame on your Bank and the nitwit that authorized it. Does this practice make you feel better these days? See you on the unemployment line, PNC. Oh, I'm sorry I forgot, companies like yours are "bailed-out" to help perpetuate your lousy business practices.

I was charged four overdraft fees for debits that were presented and deducted prior to one transaction that caused my account to overdraft. Customer Service admitted these were presented prior to the one that overdrew, then went on to try to explain that they were doing this for my benefit, withdrawing larger items.

First, after arguing with Customer Service and talking to a supervisor, I was assured I would receive a refund of two overdraft fees. After waiting a week, I called to see what was happening with the refund. I was told there is no record of any refund, adding insult to injury. How can our government allow them to continue these deceptive practices? Maybe they are contributing these overdraft fees to politicians to turn a blind eye.

Military, beware. PNC may not recognize a Power of Attorney from the Judge Advocate United States Army. My son is in the U.S. Army residing in a different state from the location of his PNC bank account. He has faxed several letters requesting to close the account, but his request has been ignored. He sent me a special power of attorney authorizing me to close the bank account. I presented the Power of Attorney to the Branch Manager, Robert ** with the request to close the account.

He said he was not able to do so because he could not be sure that a Power of Attorney from the Judge Advocate United States Army was legitimate. He needed to refer the matter to the PNC Legal Department to have the document reviewed. He said the Legal Department was running behind so I may have a response in three business days, but it might take longer. The Branch Manager took down my phone number and said he would get back to me. To avoid the checking account going into bad debt and being turned over to collections, I am paying the monthly service fee until this matter can be resolved. At this point, I have invested over $70 for an account that is not used and not wanted.

PNC alerts are terrible. National City Bank before it was taken over by PNC, would alert you immediately if there were any changes with your account. For example, if your account becomes overdrawn today, National City will alert you immediately via email or text that your account is overdrawn to give you the opportunity to clear it out before the end of the business day to avoid an NSF fee. What does PNC do in the same situation? They will send you an alert the next day, telling me my account went over the day before. What is the point to even send the alert? I have more to complain about, this is the worst bank I have dealt with. Needless to say, I'm moving my business elsewhere.

Recently I had an overdraft item at PNC bank and I believed the fee to be, same as always is $36.00. I was never informed by mail, email or phone that PNC bank changed their overdraft fee policy. They charged me $7.00 per day. An item that was only going to be $50 dollars is now costing me $160 and climbing. When I asked to close the account so I could end the daily balances being added up and I could pay them, they told me no they would not stop charging me and I would have to find some way to pay it all at once. I am at a loss on what to do. If I pay this amount I cannot buy my medications for which I need, so that I do not have a severe allergic reaction that would end me in the hospital or dead. This issue is causing me to have anxiety attacks, migraines and no sleep. I just do not know where to turn to.

The way they dealt with checks and withdrawals before deposits should really be illegal. And processing from highest to lowest isn't right either. I wrote checks for $15, $20, and $65 that all cleared on the same day. I had $75 in my checking account and $1500 in savings. They processed the $65 first, so that 2 checks bounced, and I would have to pay double the fees. And I had plenty of money in savings to cover, but I guess I hadn't signed up for overdraft. So that did me no good.

I had no problems before when they were National City, but when they switched to PNC and I have electronic deposits, the one deposit I deal with, I had to have a cancelled check, since I have plenty of old checks. I wasn't gonna get new ones. So I had to change the deposit into a savings and then go in and transfer it to checking.

Being 4th of July weekend and all, I was a little late, and I now have overdraft fees. I've been watching this for a while with my debit card, so I have receipts as to which transactions happened first. And they still process highest to lowest. I've been doing my banking between PNC and another credit union. Now I am taking everything to the credit union. They are so much better and easier to deal with, and they do things the right way!

PNC bought out National City bank this year. I was told that nothing would change. Then all the account #s were changed on everyone. A month ago, I got what I thought was a bill for going into my over draft. So now if you have overdraft and use $1.00 for a day, they charge 24.75% interest or charge a minimum of $10. National City only charged the interest which was a few cents.

I've had the same accounts for around 23 years. My families company accounts have been at National City for years too. Being in a family business for 36 years, I understand doing what you can to make money. But you have to have enough integrity to draw a line between right and wrong to stay in business. In my opinion, PNC has shown me they perceive that line as a gray area to manipulate.

PNC acquired my national city loan. Apparently with transition, I did not get my payment stub. PNC called Friday, 6/11, to tell me; and I offered to pay via phone. They said not to worry and that they will send another stub. They said there were two weeks when both companies were not talking and that some payment stubs did not mail.

Then today, Monday, 6/14 at 8:30am, PNC debt collector called. I explained the story from Friday. She told me I was lying and that there was no record of that call. They called me 42 times today, until they got me. (I was in a full day meeting and could not pick up the phone till end of day.) She insisted on all my personal banking information and this month's plus next month's payment in advance, because I was a bad customer. I gave it to her for fear of the harassment and anything else. I have never been late with a payment in my life.

In 1997 my father was diagnosed with brain cancer and given 3-8 months to live. He needed 24hr care, and I took a leave of absence from work to care for him. He did all his business with PNC bank. That included checking, savings, mortgage, and credit card with them. Anyone who has ever had to care for a family member with terminal cancer can understand how emotionally, financially, and physically draining it is. I lost a year of salary, about $75,000.

Upon the death of my father I had just paid his bills that he could afford with his PNC checking acct. The bank immediately froze his acct, even though they only heard by mouth he had passed the day before. I hadn't gotten copies of death certificate yet so I don't believe that was legal, so all the checks were returned. That is, all but the ones issued to PNC! There was approximately $3,200, to some that's not much but that's just the tip of the mountain of events to transpire. Even though I was his caregiver I did not have power of attorney and my father had no will. PNC bank never allowed the checks that were written for his bills before he passed to clear. So after all the fees there was a balance of 3380 that needed to be addressed.

PNC contacted me for months to pay, not just the account overdraws, they wanted me to pay his mortgage payments and credit card payments! I explained to them that I was not the power of attorney and my father left no will or life insurance. I also commented that the checks they refused to clear were written before he died and they made sure they took their payments! I asked what happened to the money that was frozen and they said they applied it to his credit card and a few mortgage payments. Is that even legal, to bounce payments to other companies, freeze acct before they were officially notified, take the acct balance and apply it to whatever they chose, and constantly hassle me to clear his debts that I had no legal connection too?

I was so drained emotionally and had taken on the burial expense, so I had to return to work immediately to catch up on my own financial responsibilities. Not having an income for a year drained my savings. I eventually just cleared his debts to the companies that the payments had been written out to me, just out of principal. It wasn't their fault PNC froze the acct. PNC tormented me daily at work and at home, I became very angry that they continued to call knowing I had no obligation to pay his debts. I literally had a nervous breakdown from the strain of the 11 months of caring for my father, watching him everyday having seizures, holding his hand for 53 hours at the hospital in his last moments, taking all the responsibility of the funeral and sending death certificates out, struggling financially myself from lack of income and paying additional debts my father incurred from medical debts, and at the time I also had in infant child and a 7 year old daughter to raise and help my oldest get thru the last 18 months that had traumatized her.

Finally I exploded and told PNC Bank I would clear out my father's belongings and they could sell the house, I had more on my plate than I could handle and if they had an ounce of empathy they wouldn't have tormented me for the last 6 months! I took the last bit of strength and cleaned the home and boxed up all his belongings. Even though he had 2 other daughters, they never came around until they heard I had boxed up all our fathers belongings and they swooped down and snagged all of it. Disgusted in their actions I told them I never took care of dad for any reason but to give him love and care for his remaining time, and I had something they didn't and that was a full heart. Up until the day of the sale PNC continued to call asking for money, then after the sale of his home I never heard from them again.

12 years later battling cancer myself and divorced, I'm financially ruined and I stumble across the news that when PNC sold my father's home, after they took out what he owed for the mortgage, overdrawn acct, and credit card balance there was $18,000 in proceeds left! Ironically, they called and called me to try to squeeze money for his debts but never made 1 call to let me know as his descendant that $18,000 of proceeds was sitting in their bank. That's 12 years they've made interest off my father's money, and I'm so angry and feel the morals that PNC has displayed from the time my father became ill until the day they sold his home, and 12 years of sitting on the proceeds truly defines the word appalling! I've spent months trying to get PNC to explain why they felt I was responsible to pay them without legal obligation when my father died, but didn't feel as his heir I was entitled to his equity after all PNC's debts were paid!

I've been ignored, transferred from one desk to another, and now I'm probably going to have hire a lawyer to get this resolved. I'm so sick, everyday is a challenge just to get thru the day because of my own health I believe they figure eventually I will tire and just give up. Hiring a lawyer to get this matter resolved isn't what I really want to do as each one I've spoken to want so much percentage and that doesn't include the administrative costs. Researching it I've found that by the time you get your percentage, the lawyer actually get 68%. I feel PNC Bank owes not just the $18,000, but 12 years of interest and be responsible for some type of fraudulent actions.

If anyone that reads my complaint has any advice or knowledge on resolving this matter I would greatly appreciate your response. I hope this bank isn't making interest off anybody else's death and if you have any deceased relatives that had business with them I'd definitely do some research. I never truly recovered financially from the loss of income and extra debts I accrued from the year I took a leave of absence to care for my father. Those proceeds could have made a big difference then and anytime over the last 12 years! Financially, I'm ruined and disabled now, knowing that money was just sitting there making the bank fatter, all the tormenting calls they made for 6 months, and how much that money is needed has re-opened some very deep wounds. I'm already so medically sick and depressed; this is like a kick in the gut! It's put me lower than ever, I used to believe most people in society were honest. I'm finding that you better check your pocket in life anymore.

PNC accumulated $180 in overdraft fees in a one week span. First two at $25.00 each, and next two within one day for $36.00 each. An additional for $36.00 four days later and in addition to those penalties tacked on a $7.00 a day overdraft fee. Even if the notice was mailed (unsure if it was), I would have still had $122 in penalties before I could do anything about it. Discussions with customer service and bank manager where I opened account resulted in zero adjustments or offers to lessen the financial pain!

PNC will leave things in the pending list and not debit the account for days. At times when they do debit the account, the balance and all is wrong because they show the pending and debit charges on both at the same time. Often times, there will be something pending and taken out to create an available balance amount. Then they will drop an entry, usually unnoticed since it was pending for so long, and they will also add the amount back into the account. As far as a customer is concerned, it looks as if it was debited and removed from available balance. They will then wait and out of nowhere suddenly debit the account the amount usually waiting until they can cause an overdraft on the account. Then the really target you.

This last month, I had approximately 10 items listed as pending and they were pending for days. I wrote the rent check and mailed it and knew I would be short about $80 but had no other alternative. What the bank did was debit the account the $1200 rent check first and then started to deduct the other charges pending. They charged me a $36 fee on 18 debits, including bounced fee on a $2 ATM fee and minor amounts in about four debits. They were under $5 and I was still charged $36 each. Every single check would have cleared except for one check for the rent if they would have put them in oldest first. They hold things for days, move things all around and then when they can make the most for themselves, they do. When my unemployment check was deposited to my account, it was not enough to cover all the debits and charges that they took from me.

PNC over drafted me on 18 debits for the amount of $648 plus an additional $63 in continuous OD fees. Total overdraft when they got finished was -$86.15 which they promptly started charging a $7 a day continuous charges. I mailed them online to have them not pay an auto payment that was due in for my life insurance in the amount of $45.21. They did not stop the debit so it cost me two additional $36 charges and $42 continuous late charges. My unemployment check was deposited to my account and when all was said and done, I had $187 left in my account for the next two weeks. I had no food money for the kids, my electric is in the process of being turned off as is the cable and gas. I am behind in my rent and am in court with the landlord. All the money I had for living, paying bills, food and so on was taken by PNC leaving me nothing. I have three children that like to eat and have a roof over their heads. PNC could not care less and I said I would end up living in their lobby with the kids, at least they have lights, it is warm and you don't get wet when it rains.

I hope this is the last piece of change this thieving institution gets from me (and I actually hope they go belly up soon). PNC is the one of the biggest extortionist and legalized thieves allowed to be in business. I purchased some items and the charge was $150.00 and the vendor inadvertently put the charge through for $200.00. As soon as the vendor called me and let me know of the error I called the PNC Bank in Lake Ridge. They told me there was nothing they could do because I was aware of the transaction. I informed the bank representatives that, yes, I am aware of the transaction but the pending amount is incorrect. Basically, the bank told me sorry, sucker!

When the actual charge did hit my account the amount that was actually charged was $150.00 as I had originally informed the bank, and because the "pending", which means has not happened yet, charge was in the amount of $200.00 and caused 4 transactions totaling $40.00 to be returned so they could collect $144.00 in NSF charges even though they were aware of the error and the vendor did call the bank to let the manager that this was an error, the bank representative still said there was nothing they could do. So as a result of the additional $144.00 taken out of my account (which would cause anyone to fall short) the bank turned right around and paid two other payments in the amount and charged me an additional $72.00, which adds up to $216.00 in NSF charges because the vendor made a mistake.

Then during the same cycle I authorized a payment in the amount of $450.00 to pay for one of my husband's (our family) bill. The bank paid the $450.00 and then a week later turned around and recalled the payment which I had authorized without any notification or justification. When I called to find out what was going on the bank representative told me that because my husband's name was not on the account they would not honor the payment. Who in the hell do they think they are? This was a payment I authorized and was very much aware of. I don't care if I make a payment for my elderly mother, my son, my cousin, or anyone. If I authorize it then it should be honored. Period!

As a result of the $450.00 being deposited back into my account the bank charged me a fee for their error and the company which I authorized payment for charged me additional charges on my account and put a negative remark on my husband's credit report. I pulled out the $450.00 and went and paid the account in cash; as a result of me pulling out the cash the bank then again started charging me NSF fees stating that pending transactions were pending which is a bunch of bull because I had the funds available for the "pending" transactions prior to the bank charging me fees for redepositing an authorized payment on my husband's account.

After that I look at my account 2 or 3 times a day to make sure there is no hanky-panky going on, which is a pain. I also called and verbally asked to opt out of the over draft protection and also sent an email request, which PNC responded and said that they would honor the request. Again, they lied. They constantly authorize charges that come through. They have a "pending" transaction one day and it falls off the next; then 4-5 days later they put the total charge through-they post debits before credits and basically they are in need of money or they are very greedy. More than likely it is a combination of both.

PNC is famous for putting funds on hold one day and dropping them the next, and then 4 or 5 days later they post against your account instead of leaving in a "pending" status. Personally, I think they do this because it is a fast and easy way to collect money from the consumer and the consumer can not dispute anything. In fact if the consumer wants or opt out of the OD protection, the bank still authorizes transactions and will not post transactions to account (not even in a pending status) until 4 or 5 days later. Don't bother trying to call and inquire about such actions because you the consumer are wrong. Even when you bring errors to the bank's attention, you are still at fault.

Let the everyday citizen try this and we would be in jail for extortion! Consumers need to realize that we actually have the power. Banks need us, we don't need them! I am like the average working person. I live from paycheck to paycheck and I have bills and obligations to take care of as well as a family, and with an additional $216.00 coming out for NSF fees and redepositing authorized payments makes it very difficult to manage your finances and do the right thing. Not only do I have to deal with PNC's charges, I have to pay at the other end as well for PNC's error and pre-judgment calls. I work too hard for my money for them just to take when they want or need.

PNC used to be a great regional bank. I had been with PNC for 20 years. Now they are just like every other big, impersonal corporate bank. If I could do it again, I would not have opened a PNC business account. Corporate representatives are very polite but are short on solutions for my business.

Below is a list of basic banking issues I have run into during my business and personal relationship with PNC. These are also a list of reasons why I recommend that anyone contemplating a relationship with PNC think twice on the points outlined below.

1. PNC Bank always pays checks in the order that causes most fees to incur. A bank manager tried to tell me that PNC assumes that the largest check is the most important and therefore pays that check first. But time after time, PNC has shown me that they pay all the amounts presented to the account and charge for each check. I postulate that the issue is not the importance of the check, rather the amount of fees to charge. Although this is my personal experience with PNC, I have heard this complaint from dozens of individuals as well.

2. PNC Business Banking requires a minimum average monthly balance on most business accounts. Yet PNC never shows your average daily monthly balance online. PNC fails to give you the means to measure whether or not you are in compliance with their rules until the end of the month, after you are hit with yet more fees for not keeping a minimum average daily balance. I spent 10 years as a computer programmer. I know it is not a major technical undertaking to provide customers with a simple arithmetic calculation to manage their accounts.

3. I attempted to get a credit card attached to my business account to prevent NSF fees. I was rejected, probably for having an old address on the MAC card, which I could not see and could not change online or via telephone. I could not even ascertain an accurate reason for the rejection because PNC keeps that information for a short period of time, and then it just deletes it.

4. PNC touts its online banking, but their system is a mess. What PNC's own online system shows its customers is markedly different from what is actually transpiring in their accounts. When you confront an associate about it after discrepancies occur and after fees have occurred, they tell you yes, that is the case. I have seen no disclosure on the website regarding this discrepancy. It is enough to drive an already busy small business owner to madness.

5. In these difficult economic times, it is a sin that PNC charges my customers a $10 fee to cash my check across the street from my business. For small checks (under $300), the local check cashing business on the highway charges less than my bank charges my customers. In this regard, PNC treats me and my customers worse than a small check-cashing company with which I have no formal relationship.

The manager of a local branch told me it was due to check cashing fraud which has been on the rise. This argument does not pass the smell test. A thief is unlikely to waste his time trying to cash a bogus $60 check, but a thief won't care if the bank takes $10 for a large check that is fraudulent. Any reasonable person can come to the conclusion the fees are simply a way to make more money.

PNC also uses the fees to attempt to get potential customers to sign up for a checking account. I would suggest that they would have more luck attracting customers if they changed their policies regarding their voracious appetite for fees. Furthermore, my understanding is that there is no $10 fee if an individual tries to cash my personal check, fees only apply to business checks to customers of that business. Some time ago, my local branch manager waived the check cashing fees to my customers back when they were $5 per check, only to have the PNC Corporate Main Office put the fees back and raise the fee to $10.

6. Cash deposits after 3 pm are not necessarily credited immediately to your account and count as a deposit for the next business day, even though the PNC Online Banking shows the funds as available immediately. (See prior complaint number 4 above.) I have asked various tellers if the cash deposits are available immediately, they will tell you that they are, but it isn't true.

Case in point, I deposited $2000 cash on a Friday after 3pm. That particular cash deposit counted as a Monday deposit, causing checks that were presented to my account on Sunday night to accrue insufficient funds fees. Yet a cash withdrawal on Saturday counted as Saturday. Come on guys! A previous cash amount deposited after 3 PM at a Clifton branch did indeed count as a cash deposit for the same day. How would anyone know which branches are on a 3 pm close and which is on a 5 PM close for cash? I am already extremely busy without having to worry about inconsistent deposit rules between PNC branches which are less than 5 miles apart.

7. I called the business banking 800 number to find out how they can help me to better run my business and if they have any business plan that is comparable to that of one of their competitors, TD Bank. I was continually directed to one of their 4 business banking tracks. TD bank has later hours, Sunday hours, and most importantly clears most checks overnight that are deposited before 6 pm. (PNC has a cut-off of 3 PM.) With TD Bank, cash is immediately available. The representative from the PNC Business Banking Center simply tried to push me into one of the four PNC Business tracks that was best suited for me, completely disregarding that TD Band was clearly better or equal on most comparisons. As they say, when your only tool is a hammer, everything looks like a nail.

8. When I asked a teller or call the 800 number for information, I often receive conflicting information, depends on who is answering the question. Trying to get accurate information from a telephone representative is a cruel joke. Call three times with the same question, and you may get 3 different answers. One would figure on getting better service from a domestic call center. What kind of questions did I get conflicting information on? Is my average monthly balance high enough now to avoid fees? Is my online information accurate?

9. PNC computer systems and the management of those systems to be, at best, dysfunctional. My Business VISA / MAC card had an old business address, even after I changed all online information. Therefore, when I attempted to make a business purchase online, I was continually rejected for not having an address which matched the old address on the MAC card.

I called the 800 business banking several times, explaining that I tried possible combination and permutation of my current address--uppercase, lower case, mixed upper and lower case, 5 digit ZIP code, 5 + 4 ZIP, address in the first address line / second address line. The PNC associate did nothing to look further into my problem. I could not see the old address, because I did not have access to the back end system, yet the associates at the 800 business banking phone number did not find the problem either. I was told that the telephone representative may not have access to that information. But that is not my problem. This issue was finally remedied by an astute and persistent assistant manager at a local branch.

10. Inter-bank processing (between PNC and an external bank) is often quicker than processes that are entirely within PNC. On my personal checking account, I have a line of credit attached to my checking account. When I attempt to pay that line of credit with all of the funds in my checking account, it takes 2 days to process. So my checking account balance is temporarily zero. In the meantime, if a regularly occurring charge hits my account, which would normally be covered under the line of credit, I incur insufficient funds fees. Where did the money go which was used to pay the line of credit? It disappears for 2 days during the processing. It wasn't in my checking account, and it wasn't in my line of credit. Well then, where was it?

11. So you think you will simply close your PNC account? Ah, but you have a regularly occurring charge, let's say, gym membership dues. After you close your account, the gym fees hit your closed account. Guess what, PNC does? PNC reopens your account, pays the charge, then charges NSF fees to your closed account. You cant even end the relationship if you try!

Furthermore, after you close your account, you will fail to have access to your records online, so you must go in and save everything before you close your account. Representatives of PNC have tried to explain to me how currently my fees are waived for minimum balances and how at some time in the future, branches will all run on close of business being 5 pm. At this point, the damage in the relationship has already been done, through fees, lack of information and the inaccuracy of that information, rule inconsistencies, and, worst of all, the wasting of my precious time--regardless of what improvements are under way presently.

Many companies have implemented quality improvements long after their reputation has been damaged. Ford Motor Company comes to mind. It is my opinion that long after PNC makes positive improvements in how they treat their customers, the effects of current and past policies will linger with the corporation for years to come. It is my prediction that no one at PNC will listen until their reputation is damaged beyond repair.

It should be illegal for PNC to charge NSF's if the account is not NSF. I like to have things like my insurance, Internet, Netflix, etc. automatically deducted from my account. They sometimes show up as a pending withdrawal the day before they are to come out. I started to get a few NSF fees here and there and did not understand why. Customer Service was so helpful to tell me the funds must not have been available at the time even though I never showed a negative balance. Finally, someone there told me if you have something pending, that would cause a negative balance and another transaction posts to your account. They charge an NSF. For example, I have a payment coming out on the 15th. I deposit enough cash on the 14th to cover it. PNC recently added "next day availability". Cash and other PNC checks are now available next day instead of same day. Other checks will take a day longer as well. So my cash deposit on the 14th is not available until the 15th. It should still be okay, right? Nope. The deposit did not show up in the pending area, but the EFT for the 15th did.

The gas I bought on the 12th finally posted to the account and viola, NSF even though I had money in the bank to cover it. Ever since the bail out, PNC has made it much harder to do business and is even more "fee happy". They will steal your money if they can find away. This should not be legal. I knew the EFT was not to come out before the 15th, and it didn't but PNC charged me on the 14th anyway; another NSF fee and possible problems in the purchase of my new home.

PNC is the one of the biggest extortionist and legalized thieves allowed to be in business. I purchased some items and the charge was $150.00 and the vendor inadvertently put the charge through for $200.00. As soon as the vendor called me and let me know of the error, I called the PNC Bank in Lake Ridge. They told me there was nothing they could do because I was aware of the transaction. I informed the bank representatives that yes I am aware of the transaction but the pending amount is incorrect. Basically, the bank told me, "Sorry sucker!".

When the actual charge did hit my account, the amount that was actually charged was $150.00 as I had originally informed the bank and because the pending charge (which means has not happened yet) was in the amount of $200.00 and causedfour4 transactions totaling $40.00 to be returned so they could collect $144.00 in NSF charges-even though they were aware of the error. The vendor did call the bank to let the manager know that this was an error. The bank representative still said there was nothing they could do.

Then during the same cycle, I authorized a payment in the amount of $450.00 to pay for one of my husband's (our family) bill. The bank paid the $450.00 and then a week later turned around and recalled the payment which I had authorized without any notification or justification. When I called to find out what was going on, the bank representative told me that because my husband's name was not on the account. they would not honor the payment.

Who in the ** do they think they are? This was a payment I authorized and was very much aware of. I don't care if I make a payment for my elderly mother, my son, my cousin, or anyone-if I authorize it then it should be honored- period! As a result of the $450.00 being deposited back into my account, the bank charged me a fee for their error and the company which I authorized payment for charged me additional charges on my account and put a negative remark on my husband's credit report. I pulled out the $450.00 and went and paid the account in cash as a result of me pulling out the cash.

The bank then again started charging me NSF fees, stating that pending transactions were pending which is a bunch of bull because I had the funds available for the "pending" transactions prior to the bank charging me fees for redepositing an authorized payment on my husband's account. After that, I looked at my account 2 or 3 times a day to make sure there is no hanky panky going on, which is a pain. I also called and verbally asked to opt out of the overdraft protection and also sent an email request which PNC responded and said that they would honor the request. Again, they lied. They constantly authorize charges that come through, they have a "pending" transaction one day and it falls off the next, then 4-5 days later they put the total charge through.

They post debits before credits and basically they are in need of money or they are very greedy, more than likely it is a combination of both. I am like the average working person. I live from paycheck to paycheck and I have bills and obligations to take care of as well as a family and with an additional $216.00 coming out for NSF fees and redepositing authorized payments, makes it very difficult to manage your finances and do the right thing. Not only do I have to deal with PNC's charges, I have to pay at the other end as well for PNC's error and pre-judgement calls.

ATTN: PNC customers! Just letting everyone know that if you use a non-teller with PNC (that means anywhere where its not accepted normally, which is in a lot of places), they will charge you a $5.00 fee for that, which in turn will cause you to go into the hole if your not careful. I banked with national city for 5 years and had no problem with them, but when I switched to PNC they started this crap and you better be careful because they will charge this on you every chance they get. And watch so you don't end up in debt over a dumb little $5.00 charge! The first chance I get I'm taking all my money out and going to a bank where they cannot do this to decent, hardworking Americans! I suggest you all do the same cause they will steal from you every chance they get!! Boycott PNC Bank if you value your money!

It is my belief that PNC is deliberately manipulating their system to charge fees and mislead consumers. Direct deposits are being held extra days, yet telling you the money is there for you to use--then when using it, you get charged fees. When getting charged fees for overdrafts, the overdrafts do not show on your accounts, just the fees. I have searched online and found where there are many others with the same problems and the same bank--PNC. I have closed my account, but feel that this is a fraudulent and deliberately misleading act on the part of PNC.

PNC bank took 4 overdraft fees due to pending transactions. I still think my account had enough money to cover the charges. The biggest issue I have is that instead of using the most recent transaction as one overdraft, they covered the largest one first (which was the last) and then charged me for every other transaction. This is only one of many times I have had to deal with PNC and what I feel are their unethical business practices. I have lost hundreds, if not more than $1000 due to these fees that are based on transactions that have not even posted yet. Currently, this $144, which is a small amount, has us with no money until our next paycheck, a week away.

My home Equity loan is due on the 15th with a grace period to the 26th. I consistently send a check on the 20th after my Social Security check arrives. Sinec PNC took over National City. I get a harassing phone call every month around the 21st, early in the morning, asking for payment. They tell me that even though I haven't incurred any late fees, the extra days and daily interest charges will be added on at the end. They say, they can't renegotiate or stop the harassing calls. The damage is emotional. I am 73 years old and have been unemployed for 2 years. I have been keeping my head above water, looking for a job, and using up 401K's. This call feels like I'm drowning.

Well first of all, I am one of the very unhappy former National City people that were bought out by PNC in the fall of 2009.They had a 6 month transition time and the changeover was on February 21 2010. My account is totally screwed up. They said that they were going to keep the same pin number on my debit card that I had on my old National City card but is not. I called the bank about it and their people were rude and condescending. They tried to make me look stupid. Then they screwed up my password for online banking. I didn't choose PNC they bought me. I am so ** tired of little banks getting eating up by bigger banks.

My first account in 1970 was with the first national bank of my home town. Then it was changed to the first national bank of the city that is the county seat. Then there was Banc Ohio who sold out to National City who I was very happy with. I figured out last fall after the bank bailouts that it would be a good idea to go to JP Morgan Chase. This bank is solid as the rock of Gibraltar. But I have had the same kind of overdraft problems with Chase. I tried to have my Air Force retirement pension direct deposit moved from PNC to Chase and PNC screwed that up to. It never happened. I am afraid that they will screw it up so bad that The Air Force will be confused as where to send the deposit.

I live in Ohio and PNC is new here. But I now hate the State of Pennsylvania. Take your ** bank and shove it up your keystone. I have been to Pittsburgh and it is a disgusting and cramped piece of crap and they have an inch of coal dust on their buildings. PNC you are not welcome here in Ohio.

I've been banking with National City for about 8 years now, and they were bought by PNC Bank early last year. In November of last year, I moved to a new town, and beforehand, I made sure there was a PNC Bank there. I even called customer support to make sure that I was able to deposit checks at PNC banks before moving, and they said that I certainly could.

Fast forward a few months, I became unemployed, and my bank account became low. So in I went to the PNC Bank down the street to deposit a check to make sure that my account wouldn't overdraft. I am told by the teller that the branch of National City that I originally opened my account with is one of a couple oddball branches that hasn't switched over to PNC yet, and she can't deposit the check for me.

The next day my account overdrafts. $30 in charges that my balance couldn't cover has turned into $400 in fees and daily harassing phone calls. I've refused to pay it, and I can't afford to pay it even if I wanted to. They've even offered to let me pay $220, which shows they at least kind of realize that it is their fault.

I just got a new job, and I'm trying to get back on my feet. And I simply can't afford to lose $220 right now. I shouldn't have to pay anything, except for the charges that originally overdrafted my account, totaling somewhere in the ballpark of $30. But they are stonewalling me. This whole ordeal makes me want to start keeping my money in a coffee can buried in the backyard.

I had a mortgage with National City Mortgage. Now PNC has taken over my mortgage from them. PNC has called my home multiple times per day, harassing me for my mortgage payment, which I believe is against Federal Law. I have been paying my mortgage regularly and I am gainfully employed.

I will be sending a Cease and Desist Letter to them today, however, I believe their company needs to receive a Class Action Lawsuit. I am sure I am not the only person that is being harassed in this manner. Prior to this, National City hardly ever contacted me, even if I was late. If they did, it would be one call a month as a reminder. My husband is disabled and is receiving the bulk of the phone calls from PNC. He has congestive heart failure and has suffered a stroke in the past. He is very sick and upset over these calls. I am becoming very distraught, and nervous and may need to contact a physician for myself as well. PNC is not acting like a bank or mortgage company with us. They are acting like hard core collectors, even though I have never missed a payment on my mortgage.

In July of 2009 I received a letter from National City Mortgage (today's PNC Mortgage) that my mortgage payment substantially changed from $1856.79. I called immediately the company and I was told that I don't have insurance on the home and they force place one and that is the reason for the change of payment. I told them that I will contact my insurance rep. Mike S. with Farmers insurance in Austin and fax the proof of the home insurance. When I called the insurance agent he told me that his wife resold her insurance company and for that reason he just noticed some how the insurance wasn't reinstated as I expected.

Mike told me not to worry he was going to take care of that. He did called them (according to him) and send them proof of insurance from the July 15. So there were 2 months of force place insurance to be paid. He told me that he will reimburse me for that mistake, what he's been doing in monthly payments. I called the bank 4 times that month and the following month of August to make sure that is everything OK and the shortage of escrow is $1200. I was told that it will be in payments over 12 months. Needless to say that every time I called I had to go all over the story again and again; at times it felt like nobody even listened to me. I've been with this mortgage company from 2004 and I have never been late.

In September of 2009 we received the return payment check. When we called and asked why we got a return check (it was beginning of September) my husband was told that we need to pay $8000 and they don't accept a partial payment. I called again and tried to explain everything over the phone subbing and crying. The customer service rep told me that somebody didn't see the notes and she told me that I'm fine and I can make the payment over the phone. And because of all this miscommunication she will not charge the fee for paying over the phone. I asked her how much I need to pay and she told me the amount and I pay the second time that month. I received the letter from the mortgage in September that my payment will be from now on as it was before. It seemed that everything was resolved.

In November I noticed that I have 30 days late on my credit report for all 3 credit agencies. So I called immediately the mortgage company to report inaccurate reporting and to see what's going on. Again I was told that it was mixed up with insurance. Again and again I went over my story. I asked what I need to do to correct my error on credit report. I was told that the bank will correct that (still on my credit report as of today). I asked finally how much I need to payout force place insurance in full and put this at end. I was told to make $999.00 and $200 that I paid the month of November will take care of the full amount.

Again I acted what I was told and paid over the phone in full amount. I just was tired of calling and spending time on the phone the mortgage payments I made as I supposed to. In February 2010, I checked again my credit report to see that the inaccurate reporting for September was corrected and to my surprised I saw that now I have 30 days late for February. I called again PNC trying to get to the bottom of this. I was getting different answers. I was told that is impossible since is just beginning of February. I was told by Dema to fax over my credit report and she will send to the deportment who's reporting to the credit bureau. Then I was told that I should call in December and get off the payment plan since I paid the insurance in full. I asked don't they have some centralized system to link this together and how I as a consumer could know that?

I was told that Crystal P. is in charge of my payment plan and I should speak to her. I called her on 02/09, left a message and she never called me back. I called again the same day and I asked her how that is possible that I'm suffering as a consumer who's doing everything as I was told and how come she doesn't know that I paid insurance in full? She was so rude and asked me: "You don't want to be on payment plan?" I tried desperately to explain what's going on and she told me to call customer service and she has nothing to do with that. She just wanted to get rid of me. I called back the same day and spoke with 3 people, Jacky, Antoinette. And over the months I spoke to so many people like Cynthia, Shannon, John, James C. I hope there are the notes to show how many times we have called over the period of 7 months.

Finally, I asked for a letter stating correction of my credit report and stating paying in full in question force place insurance. I was told by Jacky that everything is in the notes and that the letters were on the way.

Today, Feb. 16/2010, I received a return check from PNC of $201.99. I called right way and spoke first with Autumn and then Cody. I asked him how come I got this check back and now I need to pay $259.29, and he explained to me that the taxes and fees are involved. I asked him how come I have that now since I paid what I was told in November? He tried to help me as many people before and I told him that I have no problem of paying that but how come that I owned that?

He told me maybe I need to call a supervisor. I was waiting again to be connected and finally I got an answering machine. It sounded like Mr. P. or something similar and I left a message pleading for help. It was at 8 pm and now is 11:59 pm and nobody ever called me. I have all documentation to support this. Who am I as consumer? I did everything that I was told to do and I've been treated like a criminal. I've been fighting for my consumer rights for 7 months. I wished I wrote this letter much earlier and have not waited this long. I asked for the letter how much I owed and I never received it. Now supposedly I was short $47.30 in order to be clear. How many times I was told that and let down?

I paid and then the next month is surprise. How come the mortgage company never sends any receipt of receiving $1199.00 for the insurance? I do not trust them anything; they have the worst business practice that I ever experienced it. How they can justify incorrect reporting to the credit bureau? It seems I as consumer have no rights. Could you believe it that they reported me 30 day late for February on the Feb. 6th and my mortgage was note due from 1-15 of February? That never have been the case but it shows you how this mortgage company operates. The consequence is frustration and many hours on the phone explaining and pleading for resolution. Wrong reporting to credit bureau caused my credit got down 50-100 points.

They made me feel like nobody, trying to fight the system and just being in dark. The worst of all is I paid everything as I was told but I never got anywhere. Who we are as consumer? I guess really doen't matter how hard we try to do things right when the system let us down and we have no voice. I feel that I got discriminated as a consumer by PNC mortgage.

I have an automatic withdraw that is to be withdrawn on the 15th of each month. If the 15th falls on a holiday, then it will be removed the next business day. In Dec. 2009, they removed my funds on the 14th and the blame game was on. In Feb. 2010, they removed my funds on Feb. 1. My vendor sent me a copy of the order and it stated the funds were to be removed on the 15th as contracted. Did PNC do this in an attempt to collect a fee? Luckily I had the funds in my account, so the joke's on them. I will be cancelling my account real soon. This should be illegal because it's stealing from the consumer. I don't have trust where my money goes now.

About two weeks ago, I used a PNC Bank ATM to get $600 but no money came out. Receipt says it was taken out.

Thank you for your assistance. I am receiving calls (three times) everyday from Frontline Assets leaving messages which are incomplete. I was home one day and took the call. They are attempting to collect a debt, which I have no knowledge of from PNC Bank pertaining to a car issue. I have been been leasing from Infiniti for the past several years (Nissan motor financial services). However, they are claiming, without information or any detail at all that I owe $375 and they are willing to take half to settle this issue. When I asked for the details because I don't know what this is for, I was told to pay the debt, don't ask questions. I insisted that in order for me to investigate this alleged debt, I would need information.

The agent "Sheri" told me to call PNC and ask them. This is so unprofessional and absolutely lame that I am writing you for advise or help to get this company off my back, and to take action against their procedure to collect debts. The information I was given is: Agent's name Sheri, phone number direct line 888 518 3460. Please provide some assistance in the matter.

I have been a customer of PNC Bank now for a little over one year, and it by far has been my worst banking experience ever. After retiring from the military and belonging to a credit union for over 20 years, I decided to open a second checking account at a bank closer to home for convenience; yet it has been nothing but the opposite. Not long after opening the account at PNC, I had an issue that I thought was an oversight on my part which resulted in being charged an overdraft fee. At the time, I didn't realize a policy that PNC Bank currently has in place that I feel is a slap in the face and designed to purposely ** over their customers at what they call the Bank's "discretion".

It was not until recently during the Christmas holiday season that it came to light, when I was charged 5 overdraft fees to my account for transactions PNC Bank claims "posted at the exact same time on the same date". What was explained to me by branch management was that when multiple transactions come in over a weekend, they post to the account on the next business day. I had a deposit and several payments that were presented at different times toward the end of the week prior and over that weekend at which time there was more than enough funds to cover the items. Confusion first came when my online banking statement showed my deposit was made and debit payments posted to the account the next business day, never displaying a negative balance. Yet the very next day, my online statement reflected the overdraft charges totalling $144.

To my own understanding and after consulting with a legal rep, it was clarified to me that by law, a bank is to make payments based on the "Order of Presentation"; not when they (PNC Bank) determine payments will be made. Also, it was explained to me that there is no way that multiple transactions can post to an account at the exact same time, as PNC Bank has tried to convince me happened in my case. Because of the Bank's "discretion" to pay out the largest amount first regardless of what time the transaction was actually received on a particular day when multiple transactions are presented, the smaller amounts that were submitted earlier and should have cleared prior did not, although there were sufficient funds to cover them. The inaccurate/false reflection of my deposit as posted to my online statement should have caused 1 overdraft fee if that.

After a phone call to the branch and being told by the branch manager there was nothing that can be done in the matter, management then agreed to credit 2 overdraft fees to me thus, only to charge me yet a 6th overdraft fee the very next day due to the initial 5 charges placing me in a negative balance; affecting another transaction that came through to my account overnight. I felt if things had processed in the manner most appropriate, it should have never resulting in 6 overdraft charges to my account.

I went to my local branch the very next day to have someone explain and show me my account record. I also requested to see the actual "Order of Presentation". PNC's system is set up to show you only what they want you to see; in my case, it was that I had a list of multiple transactions posting to my account on the same day in the order of largest to smallest dollar amounts. I asked to see the exact time when PNC Bank received the transactions for payment; management had no means of doing so. I was then asked to wait while this information was acquired from another "system report". After waiting patiently an additional 20 minutes in the branch and then asked to give them a day or so to retrieve the information, I finally was told that it could not be produced, that based on Bank's policy, what information I had already seen is all that is required to be given to me. It is a total mess. How do they get away with this?

PNC Bank should be ashamed to claim that their "discretion" is best for their customers (regardless of what may be law or what makes common sense in this matter) and that they have their customers' best interest in mind, when it appears to only benefit the bottom line of the Bank itself. I believe that it is border line deception, and something needs to be done to hold institutions such as PNC Bank accountable for their bad practices that are stealing money out of the pockets of their customers.

I have been fraudulently charged over $1,500 in overdraft fees. PNC Bank has been very uncooperative in assisting in resolving this. I feel financially raped by this institution. I can't afford to bring them to court, but they are robbing me blind and my hands are tied. They manipulate my deposits and withdrawals in such a way that I never can get ahead. I am in debt. I can't pay my bills and I feel very victimized by this bank.

I was a customer of National City Bank when they merged with PNC. I knew I didn't want to be a banker with PNC, so I opened an account at Chase. I didn't take all of my money out of PNC though because I was waiting for a check to be deposited in that account. I figured, what harm is there in leaving a few hundred dollars at PNC. That was wrong. When I found out that the check I was waiting on, was actually sent to me by mail, I immediately went to close my PNC account and transfer the rest of the money over to Chase.

When I went into my account, almost $400 was missing. I can't get into too many details because frankly it makes me too angry. I've dealt with the worst customer service ever, and nothing has been resolved. At the time the money went missing, I had just become unemployed, and Christmas was here. Every time I called PNC,, I'd get the scripted statement of "I understand your frustration" or "I hope we've satisfied your banking needs today". I wanted to scream. All they would do is quote their bogus policies to me and tell me they were "investigating the situation".

They did provisionally give me my money back, but I can't close my account until they have "resolved the issue". I quit calling customer service because I end up getting nowhere but irate. They could honestly care less. And from what I'm reading online, and hearing from co-workers, they sound like thieves. Although my money wouldn't make a difference to the bank, I will be writing complaints to anyone and everyone. This should not be allowed. It's my money and I feel like I'm being held hostage at a bank. Economic damage? Well, luckily I have generous friends and family who were able to help me out through the holidays. But unfortunately I had to use a credit card to pay for groceries and gas. Mainly it's been an incredible source of depression and anxiety.

I saw a balance of $4,254 yesterday online in my National City checking account, and today, over $200 is not there! I have had several hundred dollars disappear since June 2009. When I opened the account in December 2009, I was charged twice for a nine hundred dollar purchase from overstock.com, and I was made to verify that I made the purchase with the bank, because they put a fraud alert on my ATM privileges for no reason, then they charged me twice for the purchase.

Also, I purchased something online from BestBuy.com, and one day, in January 2010, a payment went through, then it showed on my account balance, and when it actually posted, it went through again, charging me twice. I have been manipulated by this bank in excess of at $4,000. The tellers and reps also flirt with me, and harass me, when I visit a branch. An employee named Tomasz at the Skokie branch, leaned over his desk into my personal space, and was using romantic jargon towards me. I also witnessed him engaging a woman at a branch on January 18, 2010, and he was perfectly respectful, and engaging to her. Can you assist me in retrieving my funds back from national city bank, and stop the flirting? Girls at the branch also flirt, and I'm not into girls.

I want as many people as possible to never do business with this bank. I received a loan approval on a condo purchase in late November, and as of January 18, I am still waiting for them to process the loan paperwork. The only way to get them to change, is to withdraw from doing business with them. Please choose any other bank, not PNC. Outside of total frustration, my rate lock period expired and they charged me $170 to re-lock.

I have been having problems with PNC Bank since 2004. Today, 1/7/2010, they have gone over the top. I deposited $45.00 on 1/05/2010; $20 in cash and $25 by check just to cover a check for my rent. I initially had about $1009 in the account but I wanted to be safe about it. My rent was $1005. On 1/07/2010, I checked on my account and found that I only had $999 in my account which would cause me to incur an overdraft fee.

It shows in my account that the deposit I made was reversed and no one at the bank knew why! I called the 800 number only to be told that the teller at the bank might have mistakenly deposited $45 in my account when it should have been for another customer. I told them that I have my deposit slip.

Somehow when the money left the bank and went to their accounting office, someone there might have reversed the transaction. No one knows what's going on. This is not the first time something similar like this has occurred with PNC Bank. I just want to know if I could file a lawsuit against them.

I'm not going to go into a ton of detail with what I've experienced with PNC, but I can tell you that my experiences with their fees mirror those of the other posters on this site. My latest (and will be my LAST) run in with them: my pay showed up in the account as "available", the same day as my large student loan payment. Of course, they held a bunch of small debits and cleared them after student loan payment went through, and THEN cleared my paycheck--leaving me in the red just long enough for them to make $150 in overdraft fees on me.

Oh ladies--if you get married, you'd better not change your name, because they'll charge you $7 for the privilege of getting an ATM card with your new legal name on it. No joke. (Note that NONE of my other cards charged me a penny.)

Also, if their ATM eats your debit card, they make you pay $7 to get a new one. This just happened to my husband.

Nothing like kicking someone when they are down.

I was a National City customer and never had these issues until now-since PNC took over. My husband had to take a lower paying position this year and we have struggled all year to make ends meet now they are going to increase the APR making it impossible to ever pay off. How can this be legal? When I charged these items...I understood what the APR was and now they are increasing it to 21.9%!!!! How greedy is that? I pay all of my bills on time. How can they change rules in the middle of the game? I am going to switch over my checking, savings and as soon as practical---my mortgage!!!!!!

Right now i have a balance of 5000 and still no reward!! I feel upset coz thats like taking advantage of me. I would have stayed with my previous bank which never lies to its customers, things are very straight foward...if they promise to send you a gift card for bringing a new customer, they do it and also call to confirm whether you recieved it.

Thats what i consider good customer service. My experience with pnc is so unpleasant that im considering withdrawing all my funds and taking them back to my former bank. Its sad that i even opened it in the first place. I'm just waiting to see if you'll address this matter, if it doesnt happen..then consider me history!!

three third party checks were deposited in an ATM machine one check for $1108 was deposited but not to my account the other two were sent back because they were third party check but i still havent recieved them showed proof that that the $1108 dollar check had been cashed but it was not accredited to my account the bank stated because the first time i did not show proof of a cancelled or paid check that they would not give me a credit untill they have reviewed the claim and it could take as long as 90 days my bank account as of now is in the neggative -$1038

I use the convenient option to check my account online with PNC bank. I checked it consistently. It was constantly in the positive according to my view of the acount. Then one day PNC charged me Three consecutive overdraft charges at 36 dollars a piece, then and ONLY then did my account go in to the negative. My account spiraled out of control from there in three days PNC charged my account NINE overdraft charges. There was NOTHING i could do.

It was bad enough talking to three different people and all three of them saw a completely different version of my account from what i was seeing. Its frustrating, by the third phone call i was crying so hard they could barely understand me..finally they took the initial three off as a "courtesy" but refused to help me with the SIX more that were on there because of the initial three. I understand there are policies, but when does it stop being about policy and start being criminal. A bank is someplace that is supposed to be safe...i would feel safer keepin my money in my mailbox outside with a note saying I keep all my money here...

I have been recently unemployed and living off unemployment compensation. My checks aren't that big and trying to pay COBRA and all of my bills is hard enough. I sent my COBRA payment in for its due date of Nov. 1st. The check is cashed and posted usually within 5 days. I assumed the balance on my account had included that so on the weekend I paid some bills and bought some groceries at Walmart etc. Today...Nov 10th I see that they have over withdrawn me 13 times from my weekend starting with the most expensive withdrawls first pushing me over the limit within the first 2 payments. Which I know for a fact were made after the smaller less than 10 dollar debits from places like the dollar store and sadly a 3 dollar debit from dunkin donuts. My unemployment gets deposited tonight but unfortunately these charges are going to eat up the whole amount and still leave me in the negatives so ill have to wait 2 weeks of getting hit with the daily fee for being over withdrawn before I have money to use again. In the mean time im going to have my gas, electric and water bill to pay with no money to do so. I don't know what to do. Its bad enough I can't get a job now my whole life is going to crumble over the winter if i can't get out of debt. Someone needs to stop the banks from doing this. NJ has a lawsuit open right now over the withdrawl fees. Anyone interested in doing one in PA. This bank needs to be stopped. Im going to try to switch banks when I get my account settled but as of right now Im stuck between a rock and a hard place. Please please please someone help us.

I have had an account with PNC Bank for almost two years, and have overdrawn my account twice the whole time. As of recently, I paid a bill that overdrew my account by what SHOULD have been $140. Knowing that it was a friday and after bank hours, I could deposit monday morning first thing and cover the amount. So I was expecting to possibly get charged with an overdraft fee, but because I had always been in good standing with my account, I hoped they could maybe take it off considering I made conscious efforts to pay back what I owed, and didn't let the "pending" payment even post before I deposited.

Little did I know that I should probably just give PNC my debit card and checks back and let them do what they will with my money, since thats basically what they did.

Monday morning, I glance at my online checking and see three overdraft fees at $36 ea. The 3rd posted fee itself put me in the negative by $13.20. I thought to myself, well how the hell did this happen? How can I get charged an overdraft fee when I have a positive amount in my account? And still, the "pending" transaction that I was planning on depositing against was nowhere to be found. Then, at around 12 pm on Monday I get slammed with the transaction made on Friday. Since my account was already mysteriously negatively balanced at $13.20, this charge going through put me in the negative at $318.08. In the days following, I see 5 charges, some from over FIVE days ago posted, plunging my account even further into the negative. Before I even got hit with all of THOSE overdraft fees, I was in the negative at $407.00.

then I got hit with TEN overdraft fees at $36 each. Add that up, and its $800.06. Not to mention the next five days of "continuous over draft fees" at $7.00 a pop, comes out to $835.06. Before I even got popped with overdraft fees, I was worrying how the hell am I going to pay back this $400 some charge when it should have gone through in order to be only $140.00.

When I questioned them about this, I was told that the way they post is to post NSF fees first, even if the charges don't show, and they always take the largest charge first even if it was seven days after the smallest charge. she flat out told me this. I explained there is NO way I can pay back that kind of money in a short period of time, let a lone at all, and she told me "I can't authorize more than one overdraft fee removal and my manager can't do more than two." and I said, "well, lets talk to the branch supervisor". She then said "i'll be right back" and spoke privately with the manager to try and "authorize" it. After which she returned and said "nope, we can't do it, you knowingly paid for something without having the funds in the account."

to which I said "Yes, provided it and other transactions were posted according to the time in which they were made, it shouldn't have affected my account whatsoever."

Then she told me. "Sorry, nothing we can do, pay it back and don't do it again. It's a hard lesson to learn."

The next week, I went to cash a check because I knew that if I deposited the whole thing (which I couldn't due to needing it for other bills and living expenses) they would just automatically pay themselves back. So I cashed it and tried to deposit seventy dollars. To which I was told they would not accept my deposit unless it was the whole amount at once. ?!?! Are you freaking KIDDING ME!? And then they said its because the account is being closed by the corporate offices due to its length of time in a negative balance. (No one informed me this was happening or a date in which this would happen, they just went ahead and did it). The only way I could keep the account from being closed and reported on my credit and to other banks in the future, was to call the 1800 number and ask for a payment arrangement.

I called the 1800 number and was told they could do nothing I'd have to set up an arrangement with my specific branch. Called them, she told me the best she could do was give me till the end of the month to pay the entire amount back or it would be closed and further collection action would be taken.

I've been banking with PNC Bank for 2 years now. So far they have managed to charge me thousands of dollars in overdraft fees that make no sense whatsoever. I left my small bank for PNC because they promised me real time online banking. So far I've found their online system to be false and a scam for all those hard working customers who use it. Not one of the PNC representatives can accurately inform you of how the system works.

When you call to ask questions you receive different answers from each and everyone of them. How is it you can go online to check your balance and not have an accurate or up to date information? I was even told I can't get my balance at an ATM machine? I called yesterday and spoke to a representative. Asked them to check my pending transactions against my cash deposit I made that they held for 3 days and was told, "everything is going to clear tomorrow. You will have a positive balance." Well I wish that were the case.

I checked my balance today and found it to be overdrawn by $60. Now I'm expecting at least 5 overdraft fees. I called them to get my information because my account information wasn't updated online for an entire 3 days. How can they hold a cash deposit?

How can they take the largest withdrawal and put that through first when it wasn't pending before the other smaller withdrawals? I'll tell you why, because it makes them able to take more money from our accounts. PNC got a government bailout only to turn around and use our tax dollars and take more of our hard earned money. I am falling behind in my monthly bills. I've had to go without groceries due to the fact they have taken thousands of dollars from me. They make it impossible to track your funds.

On Monday evening I was rushing to caught a train and I stopped at the atm to withdraw some money. I used the wrong bank card PNC instead of bank of america, which had more funds. First thing the next morning I deposited enough money to cover the overdraft. Later that day I noticed that I was in the red again. This time I had 4 overdraft fees. I soon realized that the bank decided to cleared my largest check first even though it was received that same day and ignored small transactions that were there since Friday.

I decided to pay the $132.00 in overdraft fee this morning and think that my account was in good standing according to my calculations. To my dismay, I now have an additional $71.00 pending in overdraft fees. Why would the bank not post the cash when it was received instead of holding it pending for a whole business day and overdraw my account again. PNC bank is the worst bank that I have ever dealt with. I am closing my account as soon as my last transaction is posted. Why have customer service if they are not going to help the ordinary consumer. Yes mistakes happen when you are rushing, but paying over $200.00 in overdraft fee is just unacceptable and criminal.

I have finally lost faith in a bank that I have used for over 10 years. I know that my few pennies will not hurt the bank, but I will not give PNC my hard earned money either. Good bye PNC... beware poor people.

There is a problem with their computer system. It is programmed to debit first and credit second. PNC Bank's online banking has a pending transactions section. It saves charges and credits and usually posts them the next day (except for debit online card transactions). However, not all transactions (debits) get posted to this pending section thus making the pending section unreliable for tracking your account balance. The computer then waits until this unposted transaction (usually large)bringing your account to an almost overdraft situation then posts all the other pending transactions without regard to the order in which they were presented to the bank initially. So instead of clearing the older smaller debits first in order of presentation, they bounce all of them generating multiple NSF charges instead of maybe one charge. I find this to be unethical and a ripoff! Their must be something that can be done to force the banks to post debits and credits properly.

I may a big mistake of despositing my check from Bank Of America which was dated 4 days ealier into my PNC Bank Account of Friday night. I thought the funds would be available at least my Monday morning. The deposit slip showed Friday's date and time so I felt I was in good shape. Lucky I had PNC Bank's Overdraft Protection, I was bouncing charges on Monday evening which I still do not understand.

I called the bank and complained they told be they would have to verify the funds were available from Bank Of America to be put into my account (remember this was deposited Friday after 5PM Eastern Standard Time. I told them is not BA the largest bank in the US if not the world? Why is it the funds all ways come out of your account faster and on weekends, but deposit never happened till the bank feels like it?

I think the US Congress should look into this because I feel it is another way for banks to make money off the us the consumers. Probably to pay their rich execs. I still do not know all my charges yet. So far because I had overdraft protection it is only $10.00. I feel as a senior citzen I feel something should be done to about banking in general.

I went into the bank to discuss some overdraft fee issues that I had with my best friends little sister's account. They had taken over 100 dollars out of her account and she didn't know what to do so I told her I would come to the bank and help her figure it out. When we got to the bank, I requested to speak with the manager. I understand rules are rules, but there were quite a few things that they were unable or unwilling to explain about what had happend with the charges on her account.

Not only was this an issue, but the manager of the branch was completely condescending and rude. I tried to compose myself and calmly ask if she had a supervisor I could speak with to help us resolve our issue, and she rudely exclaimed "Yes, I do and I will inform him that you will be calling him"

Then she laughed and walked into her office, grabbed her card and made a big scene about me wanting to talk to him. I was appalled that the manager of that branch was so rude and immature! Loss of 60 dollars, they refunded 60 but wouldn't refund the rest.

I transferred/deposited money into my checking account on Friday and on Monday I noticed that there was a duplicate deposit in my checking account pending. So instead of taking time out of my day and calling PNC to question the deposit, I just transferred the alleged duplicate amount out of my checking and back into my other account. Well, that was were I was "wrong" (quoted from the PNC customer service representative).

Apparently, later on monday the alleged "duplicate deposit" dropped out of the pending status (it was never posted to the account and of course when that happens, any record of such virtually disappears. This is what made my case extremely hard to prove. I had no record of said duplicate deposit. So every purchase that I made on Monday and Tuesday went into overdraft. OF couse, I thought everything was A-Okay so I didn't check my account until I got the Alert (of which they only alert you after 24 hours of being overdrawn, conviently so, they can charge you for being overdrawn- otherwise I would have transferred money into my account to cover the charges).

I believe there must be a delay for the online banking records. In addition, I believe that there are glitches in the system, and the PNC employees are not allowed to let the customer know about. People who write software and not %100 perfect all the time, there are programming errors may occur such as seeing duplicate transactions.

Somehow I got caught up in this computer glitch, that cost me $236 charges in overdraft charges.

I don't have time to go into all the details of what PNC has done or not done, but I have experienced the same situations with the overdraft fees that these other consumers have reported. I do not trust a bank that just "states" I have an overdraft that was caught while pending and I didn't see it and it doesn't show up on the posted page. Plus, I had a check that they stated would take a couple days to fully clear, but that the first $100 is always availabe.

We were careful with our purchases and the next thing I know is that a couple of days later I get hit with fees. I spoke to CSR and they stated that the check hasn't fully cleared. I told her that the check is in the posted list and not in the pending. She still claimed that not all of the check was available as of yet. Then why is it in the pending stage????? (I ask) Also, they admit (and it's happend to me) they can take whatever order of purchases they want to determine how they clear.

I never can get clear answers and of course it is always my fault. I do take responsability on my irresponsability, but they get carried away with the fees.

On Tuesday, October 13th after 5:00 pm, I went into WalMart here to purchase a money order that I had to get in the mail that day. I actually had the cash in my hand. When the guy totaled the bill, I looked in my purse and found that I was 30 cents, I repeat, 30 cents short. The guy was not going to give it to me without and the line was getting long and I couldn't leave. I made the decision to see if I could run it on my debit card. I knew I didn't have all the funds available, however, I was making this transaction after business hours. My plan was to get into the bank first thing in the morning and make the deposit and that would cancel out the pending withdrawal.

The next day, I went in and made a deposit for the total of the withdrawal, plus an additional $100 dollars for anything else that I wanted to take care of. After I made the deposit, I went into the lobby store and purchased something for about $6.35. After I left work, I had to go to the store to pick up a few groceries. I was on empty so I stopped to get gas first. When I swiped my card, it kept saying see attendant. The attendant came out and took it inside to swipe. He came back out and said that the card would not authorize the transaction. Of course that made no sense to me, so I pulled up my account on my cellphone. I almost stroked out when I saw NINE $36 charges.

I immediately called the 1-800 number. I was told that when I made that after hours transaction, that PENDING item caused me to bounce nine transaction that came through over the weekend. I told the rep that's not possible. Having worked in banks before, I knew that the banks clear on your "current" balance or the ledger balance. She told me no. My pending items, which included a transaction that was due to fall off, tied up my money, so the checks did not clear without an overdraft. I asked for a supervisor who proceeded to tell me that they changed their clearing process some time last year. I cried for about 2 hours because this mess ate up all my money and legitimate items that should have cleared will now show up and I'll be charged a fee for them.

The next morning, I went into my branch to speak with the branch manager who basically told me that what you see on the website is not accurate. She again stated that they clear on the pending (available) balance. After looking over this board, I see that I am not alone and that this is a key money making device for them. I won't pretend that I have kept my account in perfect condition. But when I make a mistake, I will work around the fact that I forgot about a check or a debit transaction and deal with the fees. I just can't accept this because, this is just not fair. My account is now over $400 overdrawn and I don't get paid for another week. Is there a way to make this known on a larger scale? We've got to stop them. This is extortion!!!!

The same overdraft extortion that has hit so many other people. I changed banks and removed my money from PNCBANK. They can burn in hell. They are crooks. Why sugarcoat it? It's intentional and planned.

in may of 2009 i borrowed 3,000 dollars from my 401k to build a room on my home for my terminaly ill son. i recieved my check in june 2009 from there i went to deposit my check in the bank. i was told i could draw up to 1,000 dollars out. so i could start work on my room. so on saturday i started no problem. watched what i spent did not go over spent 900 dollars on materials.

so by the next weekend i spent 300 dollars more. then spent 200 more @ walmart etc. then went to get more supplies knowing my paycheck of 900 more dollars had also gone into the bank as well! i noticed on my next material purchas of around 100 dollars. as i swiped my debit the transaction took longer than usual seemed strang but no red flag and the next couple of times aswell. still no red flag!

the followng week i get my bank statement stating i had no money and i owed somthing like 6 overdraft @ 36.00 dollars for each plus 7.00 dollars a day up to 5 days. when my wife questioned this the bank said she just was not good with money! i can agree to some extent but she is not that bad!

fast forward one month later my check of 900 dollars goes in direct deposit on tuesday night 12:00 clock. on wednesday afternoon i had 300 dollars. the bank had taken 600 dollars of my very hard earned money in overdraft fees! so i went to the bank personaly to speek to the manager and ask her to tell me where the money had gone. she danced around the issue at hand and once again she said look your wife is just bad with money she just dont get it! i suggest you get rid of your debit cards! so i did.

i was under the assumption that on my debit card when you were out of money your card would be declined. that is what i wanted i did not care about being embaressed @ the register so what! i verbaly tould them @the bank this is what i wanted and i never once was told there was an opt out of overdraft protection i had to sign! i most certianly would have signed up! 20 some odd overdrafts later!

On September 9th at 6:29pm I made a withdrawel from the bank for $200 I have the transaction receipt that say there was an available balance of $1100 in my account. The next day my account was -800. which included 12 $36 charges for overdraft items. There was one check that put all of the other very minor charges over limit. This check was deposited by the recipient the day after a holiday. This particular check gets cashed every month ad in four years has always showed pending and has always taken 24 hours to post. Of course the only time in history that it has ever cleared the day it was deposited without showing pending the bank makes $432 off of me. Clearly I am not well off. My son has a medical condition which is out of pocket $600 a month. I have no problem paying for the check that should have bounce, that was an error on my part, but there is no way that that check should have cleared the same day, but there is no reason why I should have an ATM receipt saying that I have an available balance at 6:30pm only to have my online statement say something different. It is my firm belief that the bank in not processing items when they come in , but holding them until they stand to make money. I also ordered checks from the bank and received said checks before the item was charged, shockingly I was charged an overdraft fee for those items as well.

I had been overcharged for uniforms that I purchased for my daughter. The store was supposed to credit the extra charge, and ended up not doing it in time which resulted in overdraft charges on my acct. The total of transactions paid was $69 and some change. The total number of items paid was 10. Pnc charged me 10 $36 od fees for the issue. Then the 4 items still pending were assessed $36 od fees as well on the same day I made a deposit for 425.o0. They refuse to credit any fees and I am at $504v in fees for a total of 69.00 in items paid. That is ridiculous. We have an ill child that is costing us hundreds in medical expenses, and rather than work with us because they are aware the store made a mistake, they are making me pay. I have reached out to the DM and still have not even gotten a call back! I attemtped to escalate through the OOP but no one will give me the number or address, in the branch or through the 800 number. They have made mistakes on my acct before and I was forgiving of them, but they can not work with me on an issue that is not even my fault. With today's economy is the right thing to do to charge 504 for 69.00 in purchasaes. I hope that they sleep well at night!

More than once this year this bank has held pending charges for over four days and shown untrue available balances in wait for my account to fall below the two or three small charges of gas or fast food, once they ran the pending charges this resulted in a less than five and even four dollar overdraft then running each pending charge and adding the initial overdraft charge as another overdraft and so on until the original 3-5 dollar overdraft resulted in non-sufficient funds charge of over One hundred and fifty dollars. The first time they did this I called them on it and the teller as much as admitted this is a bank trick to raise charges and removed two of them and refunded them to my account. This time the manager told me that knowing how much money is in my account is my responsibility and not PNC Banks.

I asked what would be the purpose of a bank statement from the Bank if they have no responsibility or accountability for how much or what they are doing with my money. I was told that most banks are using these practices now. I'll be closing my account at PNC Bank as soon as the last check I deposited which is a government check clears tomorrow and I have a positive balance. I can only assume they will charge me another day while they decide to make the check clear.

I had been with Yardville National Bank for years then PNC took over what a nightmare! I have paid several HUNDRED dollars in what they call OVERDRAFT Fees! I was short $4.81 cents and theys switched around the way they postpayment to benefit themselves. I check my account every day sometime 2-3- times a day and we use the credit card. I can go to the store 10 min away and by the time I get home it is in PENDING and DEDUCTED from my available balance! As of the past 2 days they have charged me (5) overdraft fees at $36.00 a pop! for what should have been only ONE overdraft fee! and then it was less than 5.00. This bank is a rip-off they also take there money out the second it hits the bank funny that it is available for them! One thing I am sorry for is that I have direct deposit so they get there money first. Something needs to be done with this it is not a fair practice when you see in pending and they have deducted it out of your balance. If its out its out! No matter how you cut it with the money that was there and the moneyies in pending I was still short 4.81 no matter how they posted the 3 pending charges! I would not have anyone use this bank! EVER!!!!

PNC Bank does not PROCESS/POST any charges to a person's account on a Sat. or Sun., but posts all weekend activity on Monday evenings for all weekend charges, HOWEVER, takes your PENDING CHARGES immediately out of your account and off your total balance. YOU DO NOT SEE this occurence because their online banking DOES NOT show this. My account was NEVER overdrawn, however, they STILL took these NSF fees out of $36 each.

Forget about "Overdrawn Protection" (That is another way PNC Bank will take more of your money, I learned The Hard Way And I Will Never, Ever, Have Any Account Again With PNC Bank.

We have been trying to close on a 4.875% refinancing rate with John Meagher since April. He asked for a $395 application fee up front to lock in the rate. Two months later he says that we are denied based on a high debt-to-income ratio. We re-negotiate with him, offering to put down a very large sum of money left form the sale of the previous house. He agrees and asks for two different bank statements in order to prove income. Also, credit reports and extensive background checks are done.

A week before the closing date, he says that there is an error in the paperwork and the loan was approved for a higher amount than we needed. We have to re-sign a contract and submit a third bank statement proving income. How is it that they approved us for a higher amount, but now need more proof of income when the loan amount is reduced? It is now August and we still have not closed on this ordeal.