Consumer Complaints and Reviews
I opened an account with this bank. They said I had 90 days before a minimum balance fee would hit. To avoid that, I'll have to maintain a minimum average balance of $1,500. My business wasn't doing so great so I decided to just close the account so that I don't get charged the fees. They said I would have to pay $25 to CLOSE the account before 180 days!! So either I have to pay $25 now to close it or $36 to close it after 180 days! What the hell kind of a policy is that?? It's daylight extortion! Small businesses beware!
When going in to cash in a bond the line was slow then the girl said "Be right back." Never came back. So went to another teller who didn't know how to cash a bond. The previous girl says "Have a seat." 45 minutes later I get all my documents back and I had to argue with her to get them back saying "I have to leave. I gotta go to work if I'm gonna be late." She continued to give me excuses of why she hasn't had time to take off my transaction. So this is WHY I DO NOT bank with them. Slow service. Busy singing and talking to other co-workers.
Was promised that they would beat any processing for business that I could find - after 4 months, I checked my statements and realized I was paying over 3% in fees to process payments. I found a significantly wiser solution and they said I had committed to a 2 year contract which of course they never disclosed upfront. When I appealed, they denied and told me the finance team had denied my appeal. The customer service for Payeezy gateway is abysmal and they don't always answer the phone. The actual interface for Payeezy is also awful. When I went to close my PNC bank account, they charged me $25 to close the account and told me that normally I would be paying $50/month to have that account. There are so many unethical bankers/banks out there and PNC just re-confirms my opinion on that.
My mortgage was transferred from SWBC bank to PNC Bank, They screwed everything up. I got a letter from PNC that they would buy hazard insurance on my property because my existing insurance was expired. That was not the case. My insurance was valid and not expired. Then they wanted me to call my Insurance company and have them remove the existing mortgagee SWBC Bank to PNC Bank. I went ahead and did exactly what they told me and they even sent me a letter thanking me for taking care of this change.
Today I get a letter from my insurance company stating that my payment is late. PNC bank took $845 from my escrow account and made a payment to the wrong insurance company. I called my insurance company and they confirmed they did not get a payment. So I called PNC and that's when they hit me with the bomb, "We sent the payment to the wrong insurance company." I told the girl to make the payment asap and what they did was take the funds from my escrow account again to pay the correct insurance company. I asked her, "Why are you taking the payment from my escrow account. It's the bank's error???" She then went ahead and transferred me to another customer service rep and nothing was resolved.
Why does such a Billion dollar bank abuse its customers this way. Why didn't they just pay out of their account??? Why charge me twice for their error. Let the insurance company they paid in error deal directly with the bank, why do I have to watch for that other insurance company to credit my escrow account for the payment they received in error. I dealt with 2 associates in Ohio. I don't want to mention their names because they are just doing what the bank tells them to do. I am looking to refinance just to get my mortgage out of PNC Bank. I asked for a reference number and they don't have one to give me. My biggest fear is that this double deduction is going to throw my escrow account off and increase my mortgage payments. Please Help!!! Thank You.
Once again I was faced with this banking institution posting transactions, so they can charge overdraft fees. I find it shameful that a business take funds from me when, in essence, their processing procedures are inadequate, to say the least. To treat long time customers this way is tragic -- for their business anyway, for I can get over the $36 fee, but the disregard for my patronage is unacceptable.
Here is the thing with PNC Bank. They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so. They do not allow the customer even a minor time period to monitor and correct their account's ever fluctuating balance because they want to charge fees and grow their bottom line. As a customer of PNC for over 25 years, I will find another banking institution soon. Until then, this aware and dissatisfied customer will refrain from using their products very much.
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I deposited my children's adoption subsidy check on Friday. The same check I deposit every single month. It's Tuesday and the funds still are available and they say they won't be until tomorrow!!! 5 days! For a government check?? How the hell am I supposed to feed my kids!! I don't have money laying around! Give me my kids money!!! They are the worst! They never ever want to release your funds! I'm done, This is the last month I'm doing this!!!
Pnc Bank failed to transfer money from one account to another for 4 months but made me believe that they did. I tried to access my money and four weeks later they still will not give it to me. They failed to invest my money instead throwing it into an IRA savings account. I missed out on the NYSE jump from 10,000 pts to 20,000 pts. I am still trying to access my money. Today an agent was supposed to get back to me so I could access my money, he never did. I have to start all over again Monday! The best part is they are great at giving you the runaround and everything Takes Five Days!
Never get a custodial account for your child. Presently, my family and I have an 18-year-old living with us due to her unfortunate home life. She moved in with us several months ago and told us that she was having trouble accessing money from her PNC account. Her account was set up when she was younger, and now that she is age of majority in Maryland, which is 18, she should be able to have access to her own money. Well, she has no access.
This young lady has saved thousands of dollars through her great job at Chick-fil-A, and her family will not let her withdraw any of it. She is trying to register for classes at the community college, by a car, and has no access to this money because her family won't let her. In fact, after speaking with someone at the home office, they said her father could spend every dime and she would have no rights to her money. All of her money is traceable through her job paychecks, and I would like to know what kind of bank would set up a custodial account for a child that even though they become age of majority, they could never access their money? She could be 95 years old and still not be allowed to touch her account!!!
I am grateful that I have never banked at PNC, would never set up an account like that for my own children, and would recommend parents not set up accounts like this for their children. We are crippling our country's youth by not teaching them how to manage life on their own. Thank goodness this young lady has now set up a new bank account, with a new bank, and started new savings for herself. Shame on PNC for having accounts like this and shame on her parents for getting her set up in it. If I could give zero stars or negative stars to this company I would do it.
My wife called to close our son's savings account, which was a completely separate account and account number from our own account. The PNC rep required extensive verification of my son's account information, including speaking to my son and verifying all his vital information. At no time did the PNC rep get my wife and I's account number, SSN or any information regarding our account with PNC. Upon finally closing my son's account the rep stated "I've gone ahead and closed both accounts and you should receive a check in the mail for the balances within a couple days".
My wife quickly inquired as to "both accounts", at which time she learned that the PNC rep had also closed our checking account as well. My wife corrected the PNC rep and stated that there should only be one account closed for our son and to please re-open our checking account. The rep repeatedly stated that he could not stop the account from closing and that we would need to re-open the account in person by signing a new agreement, plus wait for the balance of our account to come by check and then re-deposit it into our account. Furious, my wife asked to speak to a manager. Upon speaking with the manager, the manager reiterated the same thing and even told me the same thing when I called a few minutes later to inquire.
Now I am forced to take time off of work in order to drive to the nearest PNC branch office (25 minutes away one way), sign our names again in order to re-open an account that we didn't wish to close, plus wait days to receive our account balance check in the mail, then have to redeposit those funds in order to refund our account and hope that none of our bills go overdue or unpaid! Unbelievable that with all the computer advancements we have today we actually have to wait longer and be more inconvenienced than if I had to ride my damn horse down to the bank in the year 1817! I will be depositing my check and my future banking business in another institution other than PNC upon closing my account once this is resolved! Terrible customer service and terrible business processes!
I've been having issues with PNC retirement 401k. I took out a loan, Feb 3 was my last payment needing to be paid. I've been calling them for the past 5 days to find out why I don't see transactions made from Jan 20. Money was taken out of my check but they show no history. Employees seem lost. Giving me the runaround. I've asked to speak to managers but all I get is "they will call you back". Pretty sad how they hire employees and managers that don't know what they are doing. I would love to add names of employees but it would not be too nice. Crappy service.
After three months and several hours of phone calls, I was able to reach a person at a higher level of training and customer satisfaction, Lisa **, and she was able to resolve my problem in less than 24 hours. I am very satisfied with the outcome and have learned a valuable lesson in persistence! Thank you.
I had 30K SkyMiles I wanted to redeem before the December 28, 2016 deadline. I called the 800 number and talked to a representative who told me to go ahead and purchase an airline ticket before the end of December and the SkyMiles would show up as a credit on my December statement. This did not happen. I have spent several hours and numerous phone calls trying to get the SkyMiles credit, but to date it is still unresolved. When I asked the customer service rep what she was doing to help resolve my problem, she rudely informed me that she "was not going to disclose what we do internally." And that I was "not her only customer." How's that for customer service?
PNC has not upheld their end of the SkyMiles agreement and I cannot get an answer from customer service as to why the miles were not redeemed in December, or where the miles total can be located. I have redeemed Sky Miles in the past with no problem, but now, with the termination of the program, I feel PNC has somehow screwed up on their end and will not offer me an explanation. I have been a customer of PNC for many, many years, but have decided to move my business to another bank as a result of this debacle.
I have all my bills set up to be paid through online banking. They consistently pay my bills late, even though I set them up, well in advance, to be paid. This month, I got a bill for $350 from the cell phone company, because despite setting up a payment for last month, PNC did not send the money. They sent my water bill so late that I got a $250 bill saying I was $133 in arrears. I'm very responsible with my money and pay my bills on time, so I. Am. Furious. We're switching ASAP. This is the final straw. Avoid PNC. At ALL costs. Go anywhere else.
So I have done a lot of business with this company and they have the nerve to send me out a bad debit card that won't work. I've activated it and the only place I can use it is at the ATM. I have bills to pay that won't let you send checks or anything to pay the bill. It's all debit card or credit card nowadays. Or you're ** out of luck. They are trying to charge me 25 dollars for them to send out a debit card that they messed up with security code on. Which is so wrong. Just goes to show how loyal customers are treated.
When I sign in to PNC few years ago, I asked if they have office/branch in the capital area of LA, I was told yes. Few months later, we were in LA, drove over 2 hours looking for their branch posted on their website. Finally we learned that there was none. Last year, I came to the office, checking the rate of a property loan. Without my permission, the officer hard pulled my credit report. I went to different branch talking to a very good officer (he is no longer there), he suggested to get a credit card instead since the damage cannot be reversed. I got my son to apply a rental property loan with PNC. A commercial or loan officer insist my son to be present for all the signing. Few days later, he got a message saying that they don't do that type of loan anymore. The uninformed loan officer cost my son's a day of work for he is self-employed.
I filed a complaint but not publicly, hoping that PNC can used the feedback to improve their service. To my surprise, few weeks later, I received a letter basically saying, I was mistaken on all of my complaint. I cannot believe it. I did a online external withdraw to pay my loan, I did twice, my mistake. However, I cannot remove it. I called, no help. I visited the local office, I was told I must do it online by myself. I was very upset for I have spend more than 3 hours try to get one transfer removed via their website. I insist on talking to a officer. Then I was told they are short handed and will call me the next day to set up appointment. 4 or so days passed. No one called. I went to the same branch again, insist on talking to the officer to get it resolved. Somehow, she got it down. Removed all of the external transfer.
I then used void check for the same loan payment via my other bank. Somehow, there were two withdraws. Could be my mistake. I went to an office: "you have to do it online. nothing I can do". "Can I withdraw $700 due to extra money transfer for I don't have debit card". The answer: "yes, there will be $7 plus". That is, without debit card, if I want to draw money from my account, I must pay $7 plus; if I want to get the debit card, I still need to pay $7 plus. Lose lose proposition. Please don't send me any letter. I will pay off the loan in few month.
I would have given zero stars if that was an option!!! I have been a PNC customer for several years and this has been the worst experience ever!! I accidently transferred money to a ZERO balance credit card that was meant to be transferred to my checking account so that I could purchase airfare. As soon as I realized what happened, I called customer service to cancel the transfer. They "were unable to do so" because it was not a business day per customer service. I called back on Monday and was told at that time there was nothing that could be done besides requesting a reversal on the transfer which takes 10!!! business days.
I just called customer service today (9) days after this request and was told that the reversal was never requested on 1/23 and the only thing that they could do for me was to request a reversal today!!! So right back to square one where I have to wait 10 days to have MY money returned to my account with no way to expedite this request even though I had requested this reversal 9 days ago!!! This customer service is ridiculous!!! How could it be that difficult to return my $600 to my account that is also a PNC account. It's not like I paid a different credit card with that money, it literally was transferred within the SAME company. My husband and I will be pulling our money from PNC immediately and never return. UGH!!!
I contacted PNC Online but they brushed me off. I have a overdraft in my account that I cannot pay off. I only had enough funds to cover Wing Wings Cafe and Combined Insurance ONLY. I spoke with the NC Department of Revenue regarding my payment but because I am unemployed, I wasn't able to make the payment for January. I expected the bank to reject the payment but didn't so, I cannot pay the overdraft in my account. PNC should adjust my account because I didn't have the funds to cover the payment when it should have been rejected. Thank You.
My experience with PNC bank was awful. I'm giving PNC bank 1 star. I recently got a car loan from the PNC bank. They have sent me my first statement on Jan 20th, 2017 and the payment due date is Jan 24th, 2017. What?? I called the bank to find out why this happened and I was on hold for 1 hr. &10 min. Never again will I do business with PNC bank.
I have been a loyal customer for 2 years. Recently I feel like they have done everything they can to make my life as miserable as possible. They have been overdrawing my account with so many fees that it is ending up more than my actual paycheck. When I call customer service I get told, "Wow you make decent money... Let's see what we can do to resolve this situation," and all I am told is that the "system" is the one who decides what goes thru and what bounces... Tell me when a check has posted to your account for more than a week. There is an overdraft fee on the check and then randomly it is sent back? Makes absolutely no sense to me.
They return a check for $22.71 3 TIMES and charge me a $36.00 fee each time, but send a check thru 2 days later for $100.00? Now something is shady... And when I call all I am told is again the "system decides"... I will no longer do business with this bank and will be telling all my friends and family to do the same. Because of these fees I am about to lose my house, car, electric, phones. It's horrible!!!
I opened this account to complain about how greedy and stupid PNC is. I had this account to pay for my tuition with Penn State and keep using it for my salary and paying back my family student loans. On a Friday I scheduled a Popmoney payment but got a nice new apartment application on the following Saturday. I stopped the payment to my family before it went out, and on their Popmoney page they claim the money will be back in 2 business days. I woke up on Tuesday morning the money still paid out instead of staying on my account or coming back. Now I'm over-drafting. I called and the answer from whomever picked up my phone is, "Popmoney payment will be back within 3-4 business days, this is also in your confirmation email from us. Your money will be back tomorrow as we tried our best." Nice, then I filled in a customer complaint asking them updating their stupid misleading website about the 2 business days promise.
This morning, I woke up, guess what, no money coming back. I called, the answer is tomorrow again. Meanwhile I wrote a paycheck to USCIS as $380 dollars and the payment I cancelled is $400. Now even the $400 comes back it's not enough to cover the $380 check anymore because they charged me extra $36, so either they pay for the check and charge me again, or USCIS got a bounce check, which I want to avoid. Ok, I will have to let you charge me again. Nice move. Why your overdraft didn't happen the same way like 3-4 business days, at least 2 business days later? I'm leaving, say for sure. This is the best I can do.
We have had a vehicle loan with PNC for the past four years. Always have been on time with payments. Wanted to pay off loan and sell the vehicle on our own. Went to local branch and paid off loan. Was told that the receipt they proving would be accepted as a release of Lien at the MI Secretary of States. Bad info as it was not accepted. Called to have them fax or email a copy of lien release. They don't email, only fax and it takes 48 hours to process a fax request. Get with the times PNC. Fax was not received after waiting two days so asked them to fax again. Was told this is another request so it will take another 48 hours. How is this bank still in business?
I would give ZERO stars, but it made me choose at least one. On Saturday January 14th PNC Bank on 13th street in Gainesville, Florida refused to cash a check off of my business account because the teller was "teaching me a lesson" (HER words, NOT mine). It is my business account and I was trying to cash a check I wrote to myself for cash.
I also was on my 4th trip to this branch to sign a paper so that I could transfer money between my business and personal accounts. I drive 33.7 miles ONE way to go to this bank, 67.4 miles round trip, and this was my fourth time calling ahead and being told to come and they would do it, just to get there and be told they are too busy and can't do it. I told her that I would be closing my accounts since I had been making trips since October to get this done and they were still not doing it. She did not like what I had to say and told me until I would sit down and listen to her, she was not going to cash my check. She handed the check back and told me to call the 800 line. I went outside and called the number and told them that the teller was refusing to cash my check. They looked over my account and said there was absolutely NO reason for her not to cash it. They told me to go back inside and cash it.
I walked back into the branch and went to a DIFFERENT teller and told her to either cash it or close both accounts, but I needed my money. The first teller walked over and told the second teller that no one else but her is allowed to help me. I then asked on several different occasions that they close both my business and personal accounts. The teller refused. She would not let me get any money out of my account. I immediately called back to the 800 line and the representative tried to call the branch and tell them to cash it, but the branch had already closed. She then filed a formal complaint with their retail escalation department and assured me that someone would contact me Tuesday January 17th.
On the 17th I called to the branch and spoke to the branch manager and explained everything to her. I also informed her that this was not our first problem with this account. I had already been banking with PNC for some time, but had never used this particular branch, I was told that this branch is the only one who can do anything with a business account. It seemed strange to me that I could only use one certain branch, but I scheduled the appointment anyway and decided I would just start using that branch. I had an appointment set up to open my business account and arrived at the bank just to be told that the only lady working at the bank that deals with business accounts did not come to work because her kid was sick.
Second red flag, I can only use one branch and one certain banker for my business account. And she did not even bother to call and tell me not to come! She let me drive over 30 miles one way and she was not there. So, I got very upset and another banker helped me. He did not know what he was doing to set the account up, could barely answer any of my questions, and continually had to keep calling the lady that did not show up and ask her questions. If he called and she did not answer, we had to sit and wait for her to call back. It took me almost 3 hours just to open a checking account. He assure me that this is not normal practice for them and it would not be like this all the time. He also said that I had to come back and see the business account lady when she was available so we could discuss what type of account I needed and make sure the one he opened would work for me.
She finally called me over a week later, and did not discuss anything about my account being the right one for my business. I called and made a complaint and they assured me that from then on I would get the help I need with my account. At this point, over a week later, my husband still did not have his debit card. We had received the pin number, but not the card. He drives a semi truck and has to go all over the country, he needed his card to pay for fuel and expenses. I called the 800 line to ask about the card and was told that the banker who opened the account had never ordered the card in the first place. So I asked to please get it ordered because my husband had to have it for work. They said they couldn't do it and I had to go to the branch.
So, another trip to the branch. Once again, the only lady in the branch who can handle business accounts was not at work. She was sick. So I told the same person who opened my account that he did not order my husband's debit card. He seemed amused about it and said he would order one. My husband asked for someone to speak to us about our account because he had a few questions, we were told that they couldn't answer them, we would have to come back and speak to the lady who handles business accounts. The same lady who is never there.
Finally, another week passes, and my husband's card came. But, we still did not have the new pin number. We called the 800 number to get them to assign a pin so my husband could leave (He was loaded and had to be in Indiana the next day) and they told they can't give him a pin, he has to wait for it in the mail. He explained that this is his business account, he had to use it to pay for fuel, and he was loaded and had to go. They told him to just use it as credit. He explained that he was not using it as credit because truck stops charge a higher fuel price if you use credit. The guy told him again, just use it as credit anyway.
My husband finally said "Ok then, if I ran it as credit are you going to pay the 20 cents a gallon difference that it will cost me?" The guy asked what he meant and my husband said, "it costs 20 cents per gallon more if I use credit. It saves me 20 cents per gallon to use debit." The guy then told him he was sorry but he couldn't do it. So my husband told him to set an appointment because he was on the way to the branch to close the account and get his money. The guy then told my husband that wouldn't be necessary, and he went ahead and set the pin number up.
From that time until now, I have made 4 trips to that branch to sign the paper to be able to transfer between my two accounts and still did not get it done. It is now Wednesday the 18th and NO ONE, NO ONE at all from PNC has called me to discuss this! I called their Corporate Head Quarters and the lady I spoke to told me that I was wasting my time because the teller was within her rights, that PNC doesn't cash checks.
I said "ma'am, I have cashed MANY MANY MANY checks at PNC". She told me No I haven't, because they don't do that. I said "So, you're calling me a liar?" She said, "we don't cash checks". I said, "it is MY CHECK WRITTEN TO ME!" She said "we only deposit checks". I said "number one, I have cashed more checks than I can count at PNC, so stop calling me a liar and number 2, how can I deposit a check into the same account it is written on? So, I write the check and deposit into the same exact account I wrote it off of then I can get my money?" SHE SAID YES! I can NOT believe that she thinks that is possible and she is the banker!! Please do NOT EVER use PNC for any reason at all! They DO NOT care about their customers!!!
I having bad experience with PNC Bank. I feel like the bank owe me because last year 2016 a scammer give me a check. I went to PNC Bank teller. They said yes cash check. Now keep charging fee of $7.00 every get my social security or money from my job. I think should get sued. I been with them long time.
I use to really love this bank, but lately they have turned into a greedy, vampire company. First I noticed a few months ago they hired new people for their over the phone customer service. Every time I called I would be told something different. When I explained to them I had done the process that I was calling for several times, I would get different answers. One CS person told me that I should not have been able to complete my process in the past. She stated that they weren't allowed to do that and that she was going to file a complaint against the CS Reps that allowed that Process. (Never ever heard this said from an employee at this banking company.)
Fast forward a month later I had paid my online bills one day, well they held payments for over a week. They gave the excuse that since it was during the holidays my bills were held from being paid. I made a few purchases and the next day I get an email saying I had overdraft fees. I'm like what, I have money in my account. When I go to check, my account was an -$150. They had applied four overdraft fees. I called them about this and they had paid some bill that just came in from a while ago and paid the remaining bills.
So every time a bill or payment went through they penalized me $36. I had a fit and they refused to give me any of the one back when it was their mistake and their laziness that caused the issue. On top of that every day my account is negative. They take $7 from it daily until it's no longer negative. I'm beyond pissed at this greedy bank now and am in the process of closing all accounts with them. This is a shame and should be illegal when they are holding my money and taking it as well.
My December 2016 PNC statement shows they will start charging me $7.00 on June 1, 2017 for my Virtual Wallet account which I have had for several years. A couple of years ago this was waived if I didn't use services inside the bank and only ATMs and my phone. Not anymore. Now essentially I am paying to use those services if I don't keep $500 in my account. In December I had more than $500 in my account, but had to use it for other purposes with the intention of replacing it this month (January 2017). PNC didn't give me that chance. They charged me the $7 prior to receiving my December statement without any notice in previous statements. I find this unethical and it should be illegal.
I talked to someone in a PNC branch and they were clueless and could not tell me anything about it. Even the branch manager had no idea what I was talking about. Unfortunately I did not bring a copy of my statement with me. Why are they charging this fee when it is now January not June? PNC is all about the almighty buck. As soon as I get my direct deposits switched over I'm getting rid of them. I'm tired of them changing their policies on a whim.
PNC Bank compare them to Check N Go. They are outrageous much worse than Check N Go. Told me if I made payments on my overdraft for 6 months. My overdraft protection would be reinstated. Then that changed to 1 year. Overdraft protection active but PNC never allows it. Recently they told me it will be OK when I pay it all off. They have collected approximately $ 3500 in 2016, for overdraft. Obviously I have an income and an ability to pay these overdrafts. They charge their fees at 10 PM and deposits are made at midnight. Maximize costs to customer. PNC's algorithm for loans is predatory. Unfortunately too many banks use that algorithm. I will survive, but this gangster algorithm should be unlawful. Payment history should be weighted more than maximizing profits. PNC specifically & American Banks in general have taken advantage of laws to strangle American Families.
I would rate no stars if that were an option, very dissatisfied is way too nice for my experience with PNC. I have been a customer of PNC since they bought out my previous bank. All in all been with bank 28 years. PNC is notorious for overdraft charges. I do all my bill pay online and they pay bills before the scheduled pay date. The last bill was paid 5 days in advance. On other occasions they will hide payments that are pending and then they appear. They also don't pay other bills until you are ready to overdraft. As a test, I logged on at 11:58 and saw no withdraw. I logged off and back on after 11:59 and they cashed a check (one minute before midnight that wasn't even in my records to be paid out. They claimed the payee cashed the check. At 11:59? I don't think so. They also have done this at 9:59 when you need to make deposits prior to 10 PM to count for that day. I am done with PNC, really long overdue.
I think customer courtesy and loyalty goes a long way and they don't have either. Consumers are way smarter with many more options today. I am switching banks, moving to credit union. It is appalling the theft and the lack of protection consumers have. By the way, I have a small business account with a significant balance (over $400,000 balance) that I am switching to another bank. They didn't care about me but they seemed to care about my business account.
PNC is the worst mortgage company ever. DO NOT GET A MORTGAGE WITH THESE PEOPLE. I received a preapproval on October 19th. I found a home on November 10th. We were to close on December 16th. They have literally asked for the same documents from me 7 times. They keep telling me they didn't get the documents or can't read them. Funny since I'm, in some cases, dropping them off right to the mortgage officer. Our mortgage guy went out on a leave of absence from work because first his daughter was in the hospital and then he was in the hospital. No one from his office picked up the files that were left so my appraisal was never ordered. When it was finally ordered, they sent it back 4 times saying that there were corrections. Who are they to correct the appraiser? Then they asked me again for documents that I had sent in many times.
They told me 2 days before December 16th that we wouldn't be closing until the following week. That week came and went and now they told me that if the loan doesn't close by December 27th (which it isn't because of them), they are going to increase my rate. They have had all paperwork that they need since November 16th. The documents that they keep asking for, the mortgage officer, claims are in their files, but that they don't look back into the files so they just keep asking for the same documents again. I can prove that they have the documents because I have emails confirming from the mortgage officer, that the documents were in his hand. Patricia from Chicago Office (the actual loan officer that approves everything) doesn't know her ** from a hole in her head.
She is the one that keeps telling me we need documents that I have given them 7 times already and she never returns phone calls when you try to find out what is going on. On December 16th (original closing date), I received an email saying that everything was finally approved and congratulations. Then I got a text from the mortgage officer saying, "No that's not right, I'll have to speak to my IT Department about why they told you that, because it's not approved." After telling me that this loan would close before the 1st of the 2017, the mortgage officer's boss (Anton from the Hamilton Township NJ Branch) said "Nope, no more closings. We are too busy." I think he is just stalling so that they can increase the rates.
They are rude, and on several occasions have cursed at me and told me to "relax and chill out," which I have in writing through emails or text messages. Well guess what PNC, you are losing this loan. I am seeking alternative financing and things are working rather quickly with this new financing. Please buyer, do not use this bank for anything. When this is all completed through the alternative means, I will be filing a complaint with Banking and Insurance in New Jersey as well.
Today, Saturday, December 17th, I came to a branch of PNC Bank to cash a check that was drawn on their bank and was stopped in my tracks when I was informed there was a $10 fee to cash one of their checks since I was not an account holder. I asked it's the manager could waive the $10 fee as a one-time courtesy but that was also denied. This corporation must instruct their employees to not let go of any pennies.
This is nothing but consumer extortion, in my opinion. Hasn't gotten so bad that these big corporations need to nickel-and-dime prospective customers every single penny just so they can continue to everybody else? I would understand if my own bank charge me a fee to process a third-party check but to be charged $10! $1 fee for non account holders would generate money for PNC Bank. More people need to stand up and address its abuses and challenge these bad practices.
I've been with this bank for literally my entire financial lifetime and it has been horrible from the very beginning and has only gotten worse. I recently switched to a Virtual Wallet account and that was where the main problems started. They promote this account as a way to manage your finances from your phone and on the go, but nothing in your actual account is accurate. Transactions will pend for days with no explanation, things I have purchased may not even show up in pending at all and just magically appear a few days later after the transaction has gone through. Because of this I get overdrafted regularly, $36 each time a long pending transaction just happens to go through at the most convenient time for them.
Right now my account is sitting at a nice -$89 even though my paycheck just went through last night. Why was I overdrafted if my direct deposit just cleared?? Because PNC likes to steal money from poor college kids. I double checked my account at midnight because I had a bill to pay. No overdraft. Paid my bills and figured that was that. Two hours later I get an email I've been hit with the fee. I double checked my statements and my bills haven't even gone through yet. So I got charged for a pending transaction that just went through...AFTER my direct deposit went in??? It makes zero sense. My holiday is basically over now because I can't afford to pick up gifts for my family, I can't afford to fill up my car, or even eat.
This has happened so many times it's honestly ridiculous. Contacting customer service about these issues is like hitting a brick wall, they berate you for not having extra money inside accounts to protect against overdraft. That's the most entitled response I can even imagine, the solution to not getting overdrafted is having more money! How about an accurate bank app that their PNC claims to provide? How about listing all my pending transactions instead of hiding certain few? I've been told to use a passbook to keep track of my transactions on paper, but again...the online banking is what I got the virtual wallet for...so why am I being so punished for using their services? I'm at my limit with this horrible bank and will be leaving immediately.
I first noticed what they were doing months ago. I looked online to see how much my available balance is before making a purchase. I forget the exact amounts, so these are estimates, but it was over $600. The next day I get an overdrawn account notice to my e-mail. I was upset since there was $600+ in my account, and I only made a $70 purchase. I look at my account and they put through a check that was applied to the account. It was cashed to a month and a half ago. Not only that, but the check and my purchase combined should not have overdrawn my account anyway.
They waited to apply money I spent until they knew it would overdraw me, but in that case it still wasn't enough, so they adjusted my previous available balance in order to steal just barely enough money from me to overdraw my account. I called them, very upset, and their response was that it was impossible for their website to be wrong, and flat out refused to answer my question if they knew it would implicate them. And this isn't a one time thing, it has happened again. I will be switching banks. Don't go near these thieves.
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