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The phone customer service was exceptional. The associate showed empathy about any the wait time as a result of slow network issues. Nevertheless, I was charged an overdraft because I had inputted the information of my savings account instead of my checking entirely by mistake. I explained to them that I obviously had money in my checking account and that it obviously wasn't intentional yet, they rejected forgiving my fee because I had been forgiven before (more than a year ago) and that somehow barred me from getting more. These overdraft fees were never intentional and were a result of a school loan system that would continually change my account without permission and the business would not return the deducted amount. It's ridiculous what businesses are allowed to get away with nowadays!
Worst service! I used the PNC App and tried to pay my credit card. The App had a feature of “Pay my Bills”. I transferred the money and it took five days to send it. Then the PNC customer representative promised me that he would help me remove the late fee. Today when I checked my account. The late fee was not refunded. I called them. The representative named Austin (in the acceleration support team) told me he could not help and later hung up my phone call. Since PNC could not help, why did they say they would previously? I was shocked by Austin’s attitude because never had I met such a rude customer support!
I've been a "customer" of PNC for several years and I'm done at this point. Customer service is a joke and I'm tired of being nickel and dimed. I do my banking online through the PNC app and it's caused me overdraft charges due to latency of charges showing up and I noticed the last time and this time that dates of money going in and out have changed. Sure it's just negative a few dollars but PNC will charge you $30 something dollars on any amount overdrawn and then $7 until you can straighten it out. This bank is garbage, go anywhere but here.
I just opened a account with PNC. In the past my dad has endorsed check to me for bonuses and such. The 24th of October he endorsed another check to me and it was a higher amount than in the past. With that said I knew there would be a so many day hold on the check that in understandable. Now it has been past 14 days and all of a sudden I'm told the check will not be available to me so I call my father. Upset he reaches out to issuing bank that informs him the check had been paid for over a week now. I contacted PNC they have no answers for me. Just keeps repeating they believe the funds will not be paid. YES my friend they will and have already been paid to PNC. Where is my money? Now I'm told it will take 30 days to look into. What kind of scam is PNC on?
When calling in a complaint about a local branch I asked for a return call from the District Manager instead of the Branch Manager. They absolutely refused to tell me who it was and would not guarantee a return call from the District Manager. I was told that was "strict" company policy. Any complaints I had could only be handled locally. She wouldn't even forward my complaint to the District Manager only the Branch. Which makes zero sense because that is where the problem stems from. That’s like the fox guarding the hen house.
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I have been an account holder for years since PNC took over RBC with whom I had been a long-term customer. I have personal and business accounts. Last month the bank canceled my 2 business accounts and personal account without notice. This caused numerous recurring payments to bounce and prevented me from accessing cash while traveling in Mexico, during the week it happened. Upon return, I was advised that my accounts were closed because the bank was missing information regarding my citizenship (I am a green card holder) and I needed to take various pieces of ID to the local branch. Which I did. After an hour with the local rep, and him on the phone with HQ, it was determined that they did, in fact, have all the ID on file and that the accounts should not have been closed in the first place!
I was advised that the total amount of funds (approx $50k) were being sent to me via cashier's checks and that I could redeposit them after I received them. 2 days later, while back in the branch the rep came to me to say the checks had NOT been sent at all, but that the funds had been restored into my account. Evidently, they had no idea where the money was, let alone what they were doing. The local rep did advise that he would request a refund of the charges I incurred for the bounced payments. This remains to be seen. I also am concerned that my personal credit history will be affected by this. Regardless, not only was I put in a difficult position while traveling with no access to cash, I have spent several hours of my time sorting out a mess that was theirs to start with and should never have happened in the first place. This is inexcusable.
I needed to have a document notarize and found a PNC bank near me in Hazel Park Michigan near 9 mile and Michigan blvd, every other time I needed a document notarized I always went to the closest bank to me and no problem. But PNC must have a policy that they will refuse services to anyone that does not bank with them, not the best way to make new customers. I don't think they would have even given me change for a dollar. Feel bad for customers of PNC bank, they can’t even treat people like human beings. Hate to have them taking care of my money.
PNC Online banking has been difficult to work with. They have made two major mistakes on our bill pay account in the past year. One typographical error, one penny short, caused us to have our health insurance cancelled for three months in arrears. We had no idea we did not have health insurance, all because of a one penny error. On another occasion, our credit card payment was paid by PNC Online Banking. We received a confirmation that the check was issued and sent two days before the due date. Received our next statement and found out that the credit card company never received the check and assessed us interest fees. We always pay our bill in full every month. When I asked if PNC would stop payment on the missing check, I was told they were not responsible.
I've been a customer for 10+ years, but due to some recent major problems, I am now taking steps to close my account for good. The first problem: I fell on hard times this January because I did not get paid that month, so I bounced some checks. I got charged fees, which is understandable. However, I had a hard time paying back the fees, so it led to Continuous OD charges that added up fast. I ended up losing over $200 in fees because of this. When I finally got paid, what I owed plus the fees came out. Since this, it's been a long uphill battle of trying to catch up: I keep falling short, overdrawing, and then get charged even more fees. According to my last statement, I have amassed over $900 worth of OD and COD fees this year. That is not counting returned check fees or stop payment fees.
I tried to discuss this with PNC multiple times, but they keep giving me the run-around. They suggest features that have NOTHING to do with my situation ("have you considered paying your bills through online banking?") or tell me to sign up for OD protection - which I can't do because I don't have the money for a savings account, and they won't approve me for the credit card. I even signed up for an escalation and the guy that was supposed to call me asked for my availability - then proceeded to completely ignore it and called when I wasn't available.
The second problem: a payday loan company I did business within the past randomly deducted over $600 from my account. I only learned about this when I got a text message alert about it. I called - which is what they say you are supposed to do - and the CSR basically told me that I had to wait until it was cleared to dispute it, which could take days. I later was told by a lawyer that I have the right to revoke ACH permission to that company, so I chatted with a CSR online to talk about it. Surprise surprise, she acted like she had no idea what I was talking about and basically said that I can't stop people from yanking money out of my account. That was the last straw. I'm taking steps to close my account with PNC and I will be taking my business elsewhere. They have let me down for the last time. We are done.
I recently got a car loan through a different PNC branch, which was a nightmare, horrible experience that took them months for them to get the paperwork right. This was switched from GM Financial. I went to the Algonquin branch yesterday to deposit my overpayment check received from GM. The check is written out to me & my former co-borrower. My co-borrower signed the check, I signed the check & when I went to deposit it in my PNC account they told me that we would need a joint account in order to do this! WHAT??? This makes absolutely no sense at all. They clearly are incompetent & should not be working with people’s money. I called the branch I got the loan through & they agreed this makes no sense, so now I have to go out of my way yet again for their repeated mistakes. I’m about ready to pull my loan from them.
PNC expert review by Barbara Friedberg
PNC bank serves individuals, small businesses, corporations and government entities. Their banking division has over 6 million customers across 19 states and the District of Columbia. Additionally, PNC has 2,600 branches and 9,000 ATMs, along with online and mobile services.
Divisions: PNC Bank has the following organizational structure: retail banking, asset management, corporate & institutional banking, residential mortgage banking and Blackrock. PNC Bank owns approximately 25% of the BlackRock Investment Management Firm.
Products and services: PNC offers the typical checking, savings, credit and debit cards as well as lending solutions. Their unique offerings include student, university and WorkPlace banking. PNC also offers investment and retirement products and a virtual wallet.
Virtual Wallet®: This specialty offering gives customers a clear money picture and helps users control, plan and reach their financial goals. It includes a calendar and bill pay function.
Online and mobile banking: Online or on their devices, PNC gives consumers account access, bill pay, check deposit, transfers and more services 24/7 from a tablet, phone and computer.
Wealth management: This department offers asset management, asset protection and planning for the future. Clients can invest and plan for their financial future with personalized advisors.
Education: PNC provides information about leading financial, budgeting, investing, lending and overall money topics with information for all of their customers from students to well-heeled investors.
Best for: PNC is best for customers who live near a PNC Bank branch. For those consumers, PNC is a viable banking solution for those seeking a full-service bank with investing access.
PNC Bank Company Information
- Company Name:
- Year Founded:
- United States
- (888) 762-2265