PNC Bank Reviews

I was not notified that this change would happen. I was not told of any new charges I would be receiving. Had I known this, I would have closed my accounts sooner. However, as I hadn't received a scam call in quite a while, I was giving them the benefit of the doubt and believing they had handled it. Then, within 5 hours, I got charged this 7 dollars AND got another scam call. PNC has officially received my vote for worst company in the USA for 2014.

On June 20th I went to the bank because of a deposit to that account from a client. I was told the account was still closed and the manager was on vacation until June 30th. I asked to speak to another manager or assistant manager and was told there was no manager there. On June 24th I called PNC customer service and explained my problem and they switched me over to the charge off department. They told me that they were deducting $32 from the $795 deposit and would send me a check for $763 and I could expect it in 7-10 business days. I asked what was the additional $32 was for and they said it was a charge off fee. I asked why wasn't it there on May 17th, 3 days after they charged off the account, so that I could have paid it then and I was told by the rep. "I don't know".

On the 10th business day after the mail ran I called PNC to inquire as to the status of my check. I was told that there was another charge off for a little over $500 and that I would now be getting $199 back. I then was switched to the person handling the account and had to leave a voice mail. This was at 10:30 a.m. Over the course of the day I made several attempts to get in touch with the person handling the account and left 3 voice mail messages. The following day I again attempted to reach the rep. To no avail.

Finally after 4 p.m. she calls me back and tells me I should be receiving a check any day now. I first asked about the additional $32 fee and why wasn't I told about it back in May. She told me that the branch cannot see that fee. I stated that didn't make sense. If I hadn't gone to the bank in June I would not have known that there was an outstanding balance, that in turn would have been sent to a collection agency and additional fees would have been added to that. She had no answer for that as well as the other 5 people I spoke to over the course of 2 days. There is no communication between these departments in this organization. This is the way these large banks rip off their customers with these hidden fees. This is day 3 of this nightmare with this bank and the rep. was supposed to call me today about the status of the check. It is now 5 p.m. and she works ‘til 4:30p.m. So I guess that won't happen either.

This has been the WORST experience with a bank that I had in my 15+ years of building and maintaining relationships with banks/financial institutions. PNC says on its public-presence sites that the company values diversity and purports to care about their customers and the business they bring. Given how horrible I was treated, I can only believe now, those were words written to portray an image of something they are truly not. Feelings now permeate my being that they lied to me and that they are lying to the public.

I am a law-abiding US citizen who graduated from one of the top Ivy League universities in the US/World, voted vice president of the alumni club, received awards as a noble, social person who also has brown skin, an accent, and is in the group folks know as Minorities. All my personal and alumni friends, family, and business colleagues who know me, know that I am not the kind of person to think race or ethnicity is the reason when things happen that I do not agree with. To me, blatant disrespect was obvious here, but discrimination was not on the top of my list when PNC treated me the way they did. It was not until friends drew my attention to how overwhelmingly discriminatory this was.

After establishing accounts with PNC, I used the accounts as a normal person would: employer and personal deposits, ATM withdrawals, purchases, transfers into my own investment account, etc. During the years, I never really interacted with PNC branch employees or the Executive office for a considerable length of time because I didn't need to.

That changed when I applied for an auto loan. Even with a FICO score in the mid 700s, they denied the application. Before I received this news, a representative called and left a voicemail. Her voice in the message sounded quite cheerful which made me think the app was approved. When I returned the call, her tone changed after I started speaking to her. She wanted to verify some information - which I did and which I felt went smoothly. After 15 minutes of talking and verifying, she then stated that she was sorry but she could not approve the application.

Confused, I asked the reason, and the ONLY reason she gave was that I never had an installment loan. I was even more confused since I was staring directly at an installment loan I had for a number of years on my credit report. I drew her attention to it and even mentioned that I had built a relationship with PNC giving the company my business over the years. She continued "Sir, that does not count," and her tone indicated that she just wanted to end the conversation. All the while I was polite, but I did express my disappointment.

I called the Executive office and left a message for one of the reps. She never returned my call. After some time, I called again and eventually got hold of another lady. I explained the situation above and she could see the only denial reason was no installment loan, but they could not do anything. Why can't the Executive office do anything?

After some days, I received the denial letter. Lo and behold, there was no mention of not having an installment loan; only scripted reasons such as balances too high when this was not the case and none of those reasons were given when I spoke to both representatives from the two different departments. Incidentally, after receiving the letter, I called the Executive office again, and the representative gave me the same no installment loan and confirmed that was the only reason, along with the "we can't do anything" answer. Obviously, something is wrong here. According to the Consumer Financial Protection Bureau, this doesn't appear to be legal.

A short time later, after this occurred, I went into the Bedminster, NJ branch to make a deposit which included my IRS refund check and to do a transfer to my own investment account. Again, things went downhill. For the investment transfer, I was asked for my driver's license, which I willingly provided. I would usually be asked for this while the banker was filling out the transfer details. However, this banker, M**, asked for it before the process even started and he scrutinized the license the same valid state-issued driver's license I had for some years as if there was something wrong with it. He then started asking me questions along the lines of what was I doing here, and what was the transfer for, and said that he had to make some calls. For a deposit of my IRS check and a transfer to my own investment account? This I found to be quite disrespectful. The branch was located in a city in which I do not live but in which I work, and I explained this to him.

On top of that, the supposed assistant manager, D**, and a teller, even scrutinized my valid IRS check for some time as if they were looking to see if it is real. I wasted 38 minutes in the branch because I left with only the deposit, but no transfer, as I could not deal with that treatment any longer. Even though I was extremely frustrated and annoyed once again by how I was treated by PNC, I did politely express that I was not happy with what has happened here.

Next, PNC stated that they were going to close the accounts. I requested the reason and a PNC representative stated that we don't have to give a reason. This left me disenchanted, discouraged and frustrated. After some days and thought, I went into the same branch to withdraw my money from all the accounts. Yes, the same branch, to see if the discriminatory treatment continued to confirm what I felt before. Lo and behold, they made me wait for 20 minutes, stating that they needed to get approval. 20 minutes? Approval? To withdraw MY money? The assistant manager, D**, was the one making the calls this time and she did not even apologize to me. I did not realize it was 20 minutes until after I finished attending to a call and a teller let me know of this nonsense. Really I had not heard of this nonsense of needing approval to withdraw one's own money before. I left with none of my money.

I called the Executive office again on the matter. The representative said that I should have been able to withdraw my money. He called the branch, and then called me back to say that, you guessed it, there is nothing we can do. I eventually drove some distance to another branch, got my money, and left all in 10 minutes, and no one told they had to make some calls. I have NEVER been treated in such a demeaning and discriminatory way by a bank like this for no apparent reason. This was absolutely outrageous! If you could have been in my shoes and gone through what I have, I think you would feel the same way that this was blatant disrespect and discrimination. Needless to say, I will NEVER recommend PNC to anyone.

This is the worse bank ever that uses all forms of racism and discrimination. The bank staff at Stoneybrook, Tajen and Sheila reversed a deposit that was made available to me by home branch due to their own personal dislike for me. This is why Bank of America will always be the leader in customer service.... PNC, Poorly trained, Incompetent.... Negative low quality individuals representing this brand...

Again, I sent PNC all of my corresponds I made with the online company via e-mail. Someone in the dispute department did not do their job and they took the money back out of my account. Since then, I have contacted PNC to resolve this dispute and so far nothing has happen. My family and I have been customers of PNC for many years and for them to treat me this way is unbelievable, I will find another bank that treats me with respect when I have a dispute over a product I did not order.

SHE WENT AND TALK with a supervisor name **, who also was not helpful at all. Both of them were arrogant. In fact, ** called the teller at the Pine Street branch and asked her if my wife was with me and the teller there acting like she remembered who came to the window 6 days earlier stated that my wife was not with me. Anyway, I have $6000 in my account and I was told I can't withdraw any penny.

After 15 years as a client. That is totally unbelievable. I then asked the women, "Am I doing something wrong? If I am, it is not intentional and I would like to know what it is, so that I won't do it again." She then stated that they did not need to disclose why and that they could do it. I would think that after all these years, I at least deserve a reason why! I have accounts at two other banks, but PNC has always been my main operating account. The last two years I have been remolding my house and have been moving money from one of my other banks to my PNC bank. I can't imagine why this or anything else I was doing would be reason to close my accounts. Either way, they can be courteous and they should give you a reason!

I went through customer service rep after supervisor after supervisor until finally people started asking, "How did you get this number? We're management, we don't deal with these things." After 2 hours, the final verdict came from a vice-president or a person of similar status who would reduce the fees to half and refused to allow me to speak with anyone else above her! I still refuse to pay them anything and have closed the account, but they still got away with several hundred dollars of my money.

(PNC Robinson Branch) As it has been a few years since, I forget the origin of why the check was given to me. I remember only that it was a refund issued from PNC bank. It was for a mere $12. When I attempted to cash it, they told me that there would be a $10 fee to cash it. Any other time, a cashing fee for non-members is expected, but being that the check was only $12 and was being refunded to me from a mistake on PNC's part, I found it unbelievable that they would not waive the fee! My only option was to have them cash it and give me $2. What a con, you refund me $12 only to take back $10 of it as a fee!

(PNC Sheraden Branch) Most recently, I was in a terrible car accident which left me with no car and barely able to walk. I had to hobble my way onto a bus to get to a doctor's appointment and found myself with just a hundred dollar bill. I painfully walked to a corner store near the bus stop and asked if they could break it, but they refused. Luckily, or so I thought, there was a PNC Bank across the street. The cashier refused to give me change because I was not a member. I was visibly injured (my face was swollen, I was in a cast and on crutches) and I explained to her that I had to catch a bus in just a few minutes and that I was on foot. The corner store was unable to break it and that this bank was the only business within 3 miles. It was impossible for me to make it anywhere else and it was very important that I get to the doctor's office because the appointment was regarding the injury to my eye and it was threatening my vision.

She strongly refused and told me that she could only make change for members, and that I could set up an account. I couldn't believe it. They're a BANK! What place should you go to to make change other than a bank! I certainly didn't have time to open an account before my bus came, and I certainly didn't want to based on past experience. Even though I was barely able to walk, she directed me to a bank branch that was over 5 miles away and told me to try there, otherwise I had to leave because she was not going to make change for me regardless of my situation. I was completely appalled.

How can PNC Bank treat people like this? Member or non-member, they simply just DO NOT CARE about you. As long as they make their money, then you do not matter. I was treated terribly by the bank before this most recent incident, but that teller's staunch refusal to simply make change for a badly injured person goes beyond a disregard for people - it was completely heartless. It's disgusting what this bank thinks it can do to people.

I had an account with National City starting around 1997 which was taken over by PNC in 2008. NO ONE and I mean NO ONE at PNC will tell me how they came to the decision to close my accounts and I can say with 1000% certainty, I have done absolutely nothing wrong to deserve this unfair treatment by a company that I banked with for so long. It will remain a mystery and I usually don't come to the web with my problems but I am doing this in hopes that if anyone reading this is considering banking with PNC, stay away because this is what they do. I did some research and it seems that PNC is the only bank who does this to their customers. I am more than happy to be banking somewhere else.

The bank is a different kind of bank. The lady acted as if she didn't know of the virtual wallet account they were offering. I then looked it up on my phone, thanks AT&T. So now she knows what I'm referring to. Then she says, "You have to have a 'COUPON' to open this account. It had to be randomly sent to you in the mail." She claims I have to have a code to take advantage of opening the Virtual wallet account. I asked to speak to a manager; he backs her up. Then he says, "You can open this account if your employer banks with us."

It was totally ridiculous and if it's that hard to bank with you guys to give you my business that you have to do a song and dance to say you don't want my business, fine. This company has no integrity and its false advertising after false advertising. I called other branches just to probe some be honest and let you know the advertising is so misleading. If you work at PNCB and you take your job seriously, you must/just can't find anything else. Bless your heart, honey.

We have a business account with PNC, and have to go back at the end of the year and compare copies of deposit images, to reconcile for tax purposes. We had no idea we were being charged, or what it was for, until I called 877-bus-bnkg and talked to an online specialist, who all but agreed that it's a fee-generating scheme. Be aware, and take your business accounts elsewhere.

Within the month I noticed a $350 charge on that account. I inquired about it and was then informed that in no way did I owe PNC $350 nor was that a fee of any kind, rather it was simply a convenience charge should I choose to cancel the account before 3 years. I informed PNC that if it is something I owe even conditionally then it is a fee by definition. I told PNC that I inquired about such fees and was never informed of this but the only responses I seemed to get were "oh, well, that's not PNC's fault, and PNC didn't force you to sign the document." If this is PNC's official practice then, although morally questionable, seems not to be illegal. However, engaging in this practice while touting that three of its seven Corporate Values are Customer Focus, Respect, and Integrity is deceptive at best and fraudulent at worst.

When I asked to cancel my account days after opening it (and without having made a single charge against the HELOC), I was told that this was not a problem but that I would still be charged the fee. And when I say fee, you must excuse me. That is my word. All PNC reps adamantly tried to correct me when I called it a fee and purposefully (probably by training) refused to acknowledge it as such. It seemed there was no way PNC was going to let me out of this contract without getting its $350 it had worked hard to con despite the fact that I explicitly asked about all fees and was never informed of them. After several phone calls and complaints, I was met with a bureaucracy that would never return my calls nor put me in touch with anyone who could have the power to act on my claims. Finally, weathered by the relentless stone walling, I abandoned my cause.

Several years went by and I sold my house. After the sale, I noticed the HELOC still appeared with the same $350 charge. I called PNC and was informed that as long as my account remained opened and active until the HELOC expiration (in this case another couple days) I would not be charged. As the months went by I repeatedly received bills and letters that I still owed the $350. Each time this happened I called PNC and re-explained my story over and over again to no avail. Everyone I spoke to was polite but beneath the corporately-trained veneer, it seems PNC had absolutely no intent in righting their wrong. My calls were transferred numerous times with ever contact. In each instance, the call ended with a representative saying that another rep from PNC would contact me within 48 hours. This never happened not once!

After several months someone finally called but not to inquire further about my complaint - try to collect money! During each phone conversation, well trained cheery reps parroted the phrase "You signed the papers" and "We didn't force you to sign the papers." Everyone I spoke to seemed to refuse to even acknowledge that I had asked my representative about such fees or that I had called immediately after realizing the nature of the account, or that the documents PNC gave me to sign that day was upwards of 150 pages. Let me ask you, if you went to McDonald's and ordered a Big Mac and they charged you $355.50 and covered the price as you signed, would you feel it morally right for them to say "yes, we added a little line on the receipt you signed and no, it doesn't matter that you asked if anything else would be charged besides the Big Mac? I said No. "The only thing that matters is that you signed that document so no, you can't get a refund. The only advice that I have for you, sir, is to be more careful next time. Have a good day, sir."

So to recap, I purchased a mortgage loan from PNC. Over the years, I paid PNC (I estimate) upwards of $60,000 in interest. When I went to sell my house, I had to go upside-down as a result of the housing market collapse caused by the negligence of this country's financial sector. I had to take out a loan against my car I paid off years ago, just to pay PNC and avoid bankruptcy. I was to the point that I was skipping meals on occasion just to make ends meet. But, no matter the personal cost, I always paid my bills to PNC on time and in full every time without exception or complaint. I therefore find it quite appalling and distasteful that PNC would hawk me down for less than 0.6% of the money I paid PNC over the years for a questionable business practice which it conducted in the first place.

And as if PNC could not be more insulting or disrespectful to its loyal customer of for more than 10 years, PNC did not even have the dignity or decency to return repeated phone calls instead choosing to hide behind its own bureaucracy and legal team. So to conclude, congratulations, PNC, you won. Thank you for your disregard of the dignity of your customers and disinterest in the anything but your institutions profit. Thank you for trying to hamper my credit while giving me the run around when I phoned. Thank you for relentlessly sending harassing bills and notices and for not allowing me to speak personally with anyone within PNC who had the power to make a decision on my claim. It is now obvious to me that your entire institution has no interest in serving your fellow man only in exploiting him.

If you would like to contact me to rectify this matter, please do so. However, if you plan to simply send me a form letter to the effect of "Dear Mr. **, We received your complaint and value you as a customer, but we regret to inform you we still plan on keeping the money we deceptively stole from you," please refrain. Also, please cancel my loan and all PNC accounts immediately now that all (non) fees that I was not informed of but still held responsible for have been paid in full. In addition, please restore my credit to its former value (>780) and cease sending me any more harassing or threatening bills or notifications.

I am going through all this just because I need to get a letter from the bank Authorizing me to ship a Vehicle that I had financed through them, and purchased in the states, before coming here. The letter I am asking for is probably already formatted. All They would probably need to do is change or fill in a couple of areas, but yet They SEEM to make it a big deal. I asked the lady I spoke with yesterday, 27 January 2014 about calling Their supervisor, supposedly there is not going to any there, where they work, so I ask, can I talk to the people. She has to call and talk to them about the issue and am told that they do not take calls. Because of all the stuff they have to deal with, as examined issues like mine.

Well, looks like they have issues Because They Are incompetent, cannot do Their job Properly and to accomplish anything they have to call each other Because The offices are in completely different states. This whole process began on January 13, 2014 and yesterday, January 27, 2014, I was told that they want to try and get the document I need to me by the 30th (Tomorrow) Which is the day the vehicle is suppose to be picked up, and thus the day I need the paper to be able to ship Said vehicle. I have spoken with 5 people there and nothing. I am writing this Because I am disappointed and for anyone who thinks They are going to deal with PNC Bank, to think about it. THINK TWICE!!

I went into the branch & explained to the employee helping me (Donna) that I needed a 0% APR offer - I even went into detail explaining how I wanted the time to pay off any big wedding expenses. Sure! She agreed & told me about the offers available. Next she asked me if I was interested in points or cash back. I explained it didn't matter & she asked if I usually paid off my credit cards. I told her yes, I do. Well she said cash back will be perfect for me then. I was all signed up.

Fast forward to two months later - I went to go use my credit card to make a large purchase & it got declined. Weird. I called customer service & they said there was a hold on my account because I had made too large of a payment on the card & they had to verify it wasn't fraud. Umm... what? Received my 2nd billing statement with an interest charge. So I called customer service & explained I have 0% APR! Their response: Sorry, but no you don't.

So after going back & forth with them for 2 weeks I got a call from the branch manager today explaining the card I signed up for has no 0% APR offer. I told her I don't know how this is possible, I made it very clear the entire reason I ever signed up was because of the 0% APR. She goes on to tell me that she'll have to coach her employees better! They must have signed me up for the wrong one & there is nothing they can do about it. Oh, that is unless I would like to go ahead & sign up for another one? Yeah no thanks, I am finding a way to pay this one off & will be stopping all business with PNC.

Stuck forever with PNC, I was forced to continue to use them. After weeks of research, I went to get a cashier's check to buy a car. I was asked what the check was for, and when I told them, I was informed I was not allowed to get a check to buy a car, and that if I wanted to buy a car, I was required to get one of their car loans. I did not want any car loan (nor any loan) but they refused. I was unable to buy a car, unable to close my account because PNC stated it was not allowed, and was told it is illegal to sue them. I was forced to take their legal advice because they have all my money. I reluctantly kept PNC, only because they forced me to.

PNC retaliated against my repetitive requests to close my account by canceling my Visa debit card, my only source to my funds. They then emptied my bank account and canceled my online access to my account. If PNC had allowed me to close my account or at least permit me to get a cashier's check to buy a car, the funds would not have been there for them to steal. I received no response from them after numerous attempts, both phone and written, but was called a ** by them.

I filed a complaint with CFPB, who has granted PNC Bank's request for 60 extra days to "research." That indicates a bias toward the bank, further punishing the victim. Just to clarify, all my money and I mean 100 percent minus about the $50 I have in my wallet is either gone or they refuse me access. I don't have 60 extra days. One man, Garth ** knows where my money is and sent me a form email which failed to address the situation at all. He does not care. I have asked him direct questions, and he refuses to tell me where my money is, why I am not allowed to close my account, why it is illegal to sue PNC, why I was not allowed to get a cashier's check and required to get a car loan, why he stole the money from my account, why he cancelled my debit card, or even why he refuses to return my money. Garth ** believes my money belongs to him and not me.

I have had no access to money for over a month. I have not been able to pay my rent and have been forced out of my apartment; I am homeless. I am hungry. I have no money for food. I don't need to tell you it's cold outside. Garth doesn't care and apparently wants me to die. Garth has been advised, yet he thinks all that is fair, that I deserve it, and that I deserve to lose all my money (my life's savings is roughly $15,000 and he took everything). PNC Bank has truly taken advantage of people over the past few years, but I never acted irresponsibly, took out a loan I could not pay back, nor taken anything from anybody, yet PNC Bank took everything from me.

No one could help so I called the retail consultant myself and a lady was so rude and smarted off multiple times. Finally she pretty much said get over it, so I called her a dumb **. She then said now you are not getting **. I filed a complaint on her but the woman did not do so, instead she called me back and told me she listened to recording and I was mistaken! I was not mistaken! So I told her I had the conversation recorded and ask her would she like to listen to it! She said, "Are you recording now?" I said yes and she hung up! Lmao!! Where do they hire these lowlifes, it's like PNC are drug dealers or inmates. Do they do background check! This is what happens when you give a lowlife some authority it get to their heads so fast. I think I even heard a baby in the background! Am done with PNC and will always tell what they did to anybody who will listen.

The attitude was nonchalant and representative raised her voice to me. At the end of the day however it happened, it is still a breach on the part of PNC with the security of my account in two distinctly separate areas with my personal information and my online banking of my personal account. Then on my business account I received more disturbing information. Over $1000 in charges was made (or attempted) as far away as Mexico. PNC had to shut down my card today and is issuing a new card.

Maybe I should have done a little more research before affiliating with and recommending PNC. It appears the information reported is accurate in terms of PNC customer service. PNC representatives need a course in effective communication skills, and customer service... Not everyone (or anybody) can or should be the voice or face of the organization. I do not trust PNC and no longer have peace of mind with this institution. Please research your options carefully before signing up with PNC.

I was also told that even if I deposit enough to cover the two pending transactions plus $148 in NSF fees already charged, I will still be charged $72 in NSF fees for the pending transactions on Monday because my account was negative (due solely to their fees) while they were pending as well as $21 in daily overdraft fees at $7 per day, bringing my total in NSF fees for 6 items that were neither overdrafted nor returned to $241. I am angry. Very, very angry.

On the 11/29/13, I receive another late notice. NOW it is $207.01. I drove to our local PNC Bank. The Bank MGR calls Pittsburgh main office. They told her I only owed $76.00 after Gap but they decided to just keep charging late fees and interest. I paid the money. I am sending a letter to the Bank President. This was wrong, the most humiliating experience of my life. Customer service in the collection are the most hateful people I have ever spoken with. All I needed was a letter stating I had a balance. And I would have paid it.

I called the bank to let them know about the situation and I told them I'm questioning if the check was valid. It was discovered the check was not good. I provided the bank with additional information for their investigation. Several months later I received a letter in the mail stating that PNC was closing my account due to fraud. I called them to question the letter, and their representative told me that, yes the account is scheduled to close. I questioned why, and she said PNC reserves the right to close an account without explanation. That was not acceptable and requested to speak with another agent. The agent indicated it was about the check I deposited several months ago that did not clear. I told them I reported the issue to you and provided additional information to hopefully catch the person who tried to scam me. After a week of going back and forth, they still decided to close the account and told me that it was a computer generated action to close the account. I said to the agent I feel like I have been victimized twice.

This is the worst bank I have ever come across. The decisions that are made makes no sense, and to hold customer responsible for someone else giving them a bad check is crazy. Who knowingly deposits a check in their own account knowing the check is fraudulent and will not be able to cash it. Does it really take that much since to understand that a person is not going to do that to their account.

After we kept asking for the statements, we weren't getting phone calls had wrong balances it was discovered the stolen checks were written and cashed in hundreds of dollars daily. Never shut the account down, never called to verify checks. We had identity theft, never got our money back. Never stopped the checks they were cashing at the branch we used. Saw the pattern was not ours, everyday, and never questioned it. Didn't take responsibility for giving our money away. Asked if we reported it to police. We did report it to police and informed them of our issue. They never closed the account and reissue a new account, but kept cashing checks.

PNC has yet to give me a reason as to why this took place. The excuse they are giving me does not wash because I have made other "External Transfers" which were completed successfully. They are pointing the finger at the other banks and the other banks say they don't show a block on money coming in. Which they never do anyway. So they (PNC) are tripping each other from department to department all because they don't want to be responsible for paying my overdraft fees. And they do keep me on hold for long periods of time (probably hoping I will hang up). My complaint made it all the way up to corporate but they gave me the same lame excuse…"It was the other bank." Well if that was so then why did all other transfers went through with no problems?

Now I have to ask myself if it's worth going to seek legal counsel or not? It's only $90.00 on overdraft fees but with me it's the principle of the whole thing that just sticks with me.

Okay, now to my issue. Traded my Suburban in on a new F150 with Mall of GA fo.d July 31st. I provided the dealer with our insurance info, which I might add is on the same contract PNC has a copy. Ins co. is Geico. My policy no., their info and all pertinent info is on the contract. They did not cancel the insurance on my Suburban and start it on the F150. Now, PNC wants to charge us $363 for insurance. Wow, that's more than I pay for collision and liability on the truck for 6 months. I have called PNC insurance and the main number and no help.

By the way, Geico will not back date the policy. Sure seems like a rip off strategy by PNC. Especially since you did not tell me I would be paying this amount. Kind of eased into after the fact. Easy money, what a huge disappointment in business ethics and practices. Especially when your supervisor, Ryan **, ignored my call. What a first experience. Guarantee that we will not get another loan through PNC. BY THE WAY, my brother is a finance manager for a large auto dealership in town. I have advised of your practices. You may end up charging me the money, but I will make sure no one else I send to buy a car from their dealership goes through PNC.

In the typical way you would expect a machine-like uncaring big bank to act: a form letter in the mail, unsigned because no one had the courage to call or face us. This is the same type of smiley customer service attitude PNC uses when they foreclose and drag grandma out of her house and throw her onto the curb. AVOID PNC and move your money to a local, truly caring credit union. When more of us, the People, do this, then the heartless, backstabbing bully big banks will change.

But they refused to give him the money in cash. They said they could only give him a certified check. So, he took the check and then walked to the teller window and demanded they cash it. They said he would have to pay a fee because he had closed his account. He replied that he still had a checking account open with them and demanded they cash the check without charging a fee. They finally complied. What a nightmare. Worst bank ever.

Original Review: Sept. 14, 2013

On Monday, September 9, 2013, I logged into our PNC online banking account and noticed that an unauthorized teller withdrawal had been made from our savings account in the amount of $6,500.00 on Aug. 29, 2013. Unlike every other deposit and cash withdrawal, the signed ticket/receipt had not been scanned and posted online. My husband immediately telephoned the bank and was informed that the withdrawal had been made from the PNC branch on Michigan Rd. in Indianapolis, IN. We live in northern Virginia. My husband had been within an hour or so from Washington D.C. for the entire 24 hours of August 29. It would have been physically impossible for my husband to have been in Indianapolis that day (or the day before or after).

The bank's records said that HE had presented a driver's license with the correct DL#. However, upon further investigation, my husband discovered that the expiration on the fraudulent ID had been incorrect. His DL, which has never been lost or stolen, doesn't expire until January 6, 2017. The fraudulent license had an expiration date of January 15, 2016. After numerous phone calls to the Indianapolis location, which is staffed completely with stereotypical affirmative action employees, my husband managed to obtain a faxed copy of the withdrawal slip. The signature was all wrong.

As of tonight, September 14, we have yet to see any video evidence of the transaction. Presumably, if the bank is telling the truth, someone entered the bank with a fake ID and a bad signature pretending to be my husband and made a $6500 withdrawal thanks to a teller who was a complete moron. The only problem is that my husband's DL# is not written anywhere. He hasn't written a check in a long time, especially not a check with his DL# written on it. And even if he had, how would someone know we had a savings account with PNC? We switched completely to online banking ages ago and don't even receive savings account statements in the mail anymore.

It has been five days since we reported the problem to PNC's corporate office. They have yet to replace our money. On Monday we withdrew the rest of our savings, and now we plan to deposit it in a small local bank. The scary thing about these large banks with numerous branches around the country is that all it takes is for an incompetent (or criminal) teller, and then the bank will literally hand thousands of dollars of your money to just anyone off the street... and you will have to fight and wait for recompense, if it ever comes.

Afternoon of Mon., Sept. 16

Currently working with a competent PNC corporate employee named Adrianne since Latasha ***, the rep previously assigned to the case, left voicemail only once on my husband's cellphone last week but has otherwise been unreachable. Apparently the Michigan Rd. branch is sticking to the story that my husband was the one who made the withdrawal. According to the new rep, the Michigan Rd. branch never filed an incident report despite numerous phone calls from my husband about the theft. So Adrianne has now filed a report today, and she has requested the images from the security camera. She is having the pictures faxed and mailed to us. We have requested additional information such as whether or not the birthday on the fraudulent ID was correct and whether or not the teller asked for a second form of ID. Any time we have tried to make a large cash withdrawal from our local PNC branches, they have always asked for at least two forms of identification.

Tues., Sept 17

Today my husband again called the PNC bank on Michigan Rd. where the theft took place. Manager Keindre *** answered the phone. "Oh, it's you," she said when she realized who was calling. My husband asked Ms. *** for any and all information regarding the fraudulent identification used in the Aug 29 transaction at her bank. She said, with a bad attitude, that she already gave the information to the corporate rep in charge of the case. Then she said she would have to look the info up again and get back with him. I then filed a police report with my local police department. The officer will be sending it to the fraud department who will likely forward the information to the Indianapolis police. I can't help but feel like the branch manager is stonewalling and covering up for either a completely incompetent teller or a criminal one. Also, calls to the corporate rep Adrianne have all gone to voicemail today. We never did receive a fax of the security images even though Adrianne said she would have them within an hour of her request yesterday afternoon.

Afternoon of Thurs., Sept. 19

My husband left a voicemail for Adrianne, who we haven't heard from since Monday. We have yet to receive the security images. Branch manager Keindre *** called my husband today with a much-improved attitude. She said that her branch only requires one form of identification to make large cash withdrawals, even if that person is from out of state. According to Ms. ***, the correct DL# and birthdate were entered into the system, but the expiration date was not correct. So, not only can someone walk into this particular branch with only one form of out-of-state ID, the expiration date doesn't even have to match nor does the person's signature. My husband's name and signature starts with a "J." The fraudulent signature began with a "D." A very large, obvious D. And the rest of the signature was even more off. It is almost as if the thief, by habit, just signed his own name. And the bank teller didn't even blink. This is a huge security breach with scary implications for PNC customers around the country. A case number has been assigned by my local police, and an ORI number has also been assigned (presumably to send to Indianapolis law enforcement.)

I was so ticked off by PNC dragging their feet, I went onto their Facebook page and commented about the situation and provided a link to one of the consumer complaint websites where I had described everything in detail. Either that or the appearance of this complaint on ConsumerAffairs.com today rattled someone high up within the company because Charles *** from the Pittsburgh corporate office called my husband and gave him the contact information for their investigator. Mr. *** apologized profusely and assured my husband that our money would be returned 3 - 5 days from the time we speak with the investigator (likely to make sure my husband and I are not being fraudulent.) So, we are going to fax a copy of the police report to her tomorrow morning.

Hopefully this will be resolved soon. I can't help but wonder, though, how this would have turned out if the victim had been an elderly woman who was not as technologically savvy and tenacious as I am.

I called 8/19/2013 to follow up - I spoke to two people and the last person said he'll look into and call me back which he didn't. I had also asked him for another number for disputes since the one I was given the last time was a disconnected number. His response was he'll look for a more recent number but since he was suppose to call me back, I didn't push the issue. This morning, 8/20/2013, I called that same 888 number and got a branch manager in DC who refused to help me. He said a branch can't help me unless I was there in person. He said I must have been mistakenly transferred over and to call that same number again and see if I can get a different person. I called twice but no one has picked up.

I am so frustrated. They did send me a dispute form to fill out which I have told them I didn't have to do the last time because they found out it was their fault and fixed it immediately. I am done with them and will close out my account as soon as I get this resolved. I should have known better since when I had opened my account, they sent in a credit card application on my behalf without my consent or knowledge.

Within the past 10 years, I've deposited THREE large checks with their bank and as it does - life happened and I did not have as much as I did before. All of a sudden, I got NSF on top of NSF. To the point of 2011 I spent half the year in the red. As long as I'd been "doing business" with them, I'd never been consulted on NSF overdraft vs coverage and all. Even though I'd been with them for TEN years, this past May was the very first time I called to see if they could possibly reverse the $36 NSF, which greedily ate up any spare change I had. The customer service rep actually did do that for me. I was shocked and wondered why they had never offered to do this before.

So, in June. I went back to the branch that I made the initial account with and asked them if they could cover me again. (I LITERALLY had a transaction for ONE DOLLAR that had an NSF tagged to it) The only reason she gave is because there was just a reverse a couple weeks ago. Never did I hear a policy on how many times they are allowed to revert or anything. I asked her if there was a way that I could NOT pay $36 that I don't have for every time something bounces. It was then and ONLY then that she told me that I was opted into the overdraft coverage and could be easily opted out. My mind went to racing. You mean for 10 years, I've been putting up with NSF fees when I could have simply just been "declined" at a store if I didn't have the funds? Are you ** kidding me?!

So I asked her did this start when PNC came in because I know for a fact that I did NOT sign anything saying to opt me in. I asked to see my signature and mysteriously her printer didn't work. She sent me over to the branch manager whose computer also didn't work but it showed her that I actually came INSIDE that branch in 2010 to specifically "opt in". I did most of my banking online. I can count how many times I've been inside any one of our PNC banks - specifically that one because of the bad taste the money hungry manager left. NEVER was it to opt anything. I've never signed anything outside of my initial 2003 opening. So basically you're telling me that you've took it upon yourself to charge me $36 even though I initially lent you MY money??!

So, I waited for the manager to call me that weekend with the proof I asked for. I never heard from her and that location is now closed. I called PNC customer service a couple weeks later and explained this issue now for the THIRD time. Only she would not let me finish my thoughts. She seemed to know better my question before I even asked. She then put her supervisor on the phone. By that time it was just simple - SEND ME THE WRITTEN PROOF THAT I OPTED MYSELF IN. "We will get that in the mail to you right away."

Fast forward an entire month later. I called for now the 5th time (because I had to re-explain to the supervisor and they refused to answer anything via email). This time I had a completely pleasant guy. I simply explained to him my issues and the fact that I've been getting the runaround and misinformation so I'm looking to have my NSF fees returned back to me. He seemed quite shocked at the information and escalated my inquiry to important so they would call back immediately.

Well... the next day my phone rang just enough times for me to see that it was indeed PNC bank. They hung up. I wondered if I would soon get a "we tried to contact you" postcard, but they did call back. She acted as if she only had 30 seconds to resolve this matter. As much as I remember, she told me the call was being recorded and asked me for my account information. The next 5 minutes she rattled off her script and did not give me a chance to say ANYTHING! The next thing you will hear me say on the recording will be "well I'll just pull my money out then". Because she said when I called in May, I was informed of my options and if there was a problem I would have had to resolve it in 30 days and since I didn't, they will not be refunding my fees from August 2010.

First of all, even IF the CSR "informed" me of my options, that was ONLY this past May and not 2 weeks later I went into the branch and opted OUT of something I never opted IN to. I was uninformed in 2010 of my rights and options so how would I be able to fix it in 30 days.... 3 years ago? If it weren't for us, consumers, they wouldn't have any money. We are the people who bailed them out and now that WE need help, you won't help? I am so done with them. And I'm happier that my new destination does not even have any PNC Banks near so there really is no need for me to keep them. I'll gladly put my money into my other accounts.

On Wednesday it was still pending and I called the bank and the store corp. office and again each blamed the other adamantly. On Thursday I called the bank and explained how each was blaming the other and was told, "Well, its both. The store could take the $90.60 from your account and you could pay the rest in cash." I told him, "Are you kidding? It's over! It was Monday. I'm not still in the store. The transaction was never completed. I have no merchandise. There isn't even a transaction number because there was no transaction". Then I asked if I had access to use this money while the pending status was in place and while he hesitated, I said, "This is a yes or no question." He said no. I asked if I would have been charged a non-sufficient fund charge if I had tried to use the card and he said, "Well yes, you don't have overdraft protection."

I stated, "So PNC can keep this pending status on my money and then not allow me to use it and charge me NSF fees when you know that this transaction is dead?" The PNC rep stated, "Do you want me to take the pending status off today?" I asked if he can take it off today, could it have been taken off on Tuesday, and again he hesitated until I demanded a yes or no answer. He stated yes, it could have been if I had spoken to someone in his department. I stated that this was the same number I had been calling and he told me he was in a special department with authority to take the pending status off and that my call rolled over to his department because the regular department that doesn't have his authority must be really busy. He then said he would take it off and that it would be off on Friday!

This is ridiculous. Can this possibly be legal? It's certainly not ethical.

I visited my local branch several times in the past few months and asked if these fees could be forgiven and was told that $36.00 could be waived only every 12 months. I think it's a rather meager and greedy but that's PNC's policy. And even though I was depositing money several times a month into my account, the monies were being depleted quicker than I would be spending them. My account was almost always in the red. I discovered that I was being charged $36.00 in overdraft fees monthly and on one statement alone, I was charged 10 overdraft fees, for total of $360.00!

Since the beginning of 2013, PNC Bank has charged me $878.00! This is where my money has been going, to a bank with whom I believed had my best financial interests in mind. I was WRONG! I have had numerous discussions with a representative at PNC's Executive Office in Pittsburgh, PA and have been told that in no way will I be refunded any of these monies! I have the name and address of this person and she told me that she worked for the CEO and I couldn't plead my case any further. PLEASE HELP! Thank you for your time.

COMPLAINT: Over the past several years, I have had the need to call their customer service phone number to get help with debit card issues, unlock my online account, or get help resetting a password. Almost EVERY time I have called, there's always someone who gives me incorrect information or rushes me off the phone because they claim they can't help me. Yet, when I go to a branch in person, the issue can usually be fixed. On a few occasions, I've called the number at different times within the same day it's happened and gotten different responses or instructions from different agents. The last time I called with them (before I closed my account), I spoke with a lady who said she could assist me if I could verify my debit card info. I was in the middle of renovating/cleaning the house and everything was in boxes, so I said I couldn't find it at the moment, so she said to call back when I found it and someone should be able to assist me. So, I did.

The next day, after I found my card and tried to use the "Forgot Password" option online, I noticed it also asked for my debit card info, except it wouldn't let me use it because it said that my account was locked (what good is it then?). I knew my password, I just forgot what I changed my security question to, which ended up locking me out. So, I called the customer service number again, tell them the instructions I was given the day before and also tell them that I have my debit card now. The guy who answered had an attitude in his tone to begin with but he otherwise followed their phone script. He told me that he can't use the debit card info to verify me as the account holder now. He then asks me to verify a recent transaction on my account and tells me to LOG IN to find that info for him. Ummm, I can't log in that's why I'm calling YOU IDIOT!!

I reminded him why I called and then he remembers, but insists I give him a recent transaction. So, I tell him, "Okay, I can find something from my statements." He then tells me that info from the statements won't work. WHAT????!!! ALL transactions are listed on the statement. He keeps asking me for a recent transaction from a debit card or a check. I tell him that I haven't used my debit card in years (reason why is below) and the last time I used my check was several months ago. I tell him I can give him the amounts of recent deposits, but he cuts me off and says he can't accept that either. I tell him I can pull the info from my check register but he says that he can't accept anything that old.

So, let's review: 1) All transactions are listed on account statements. 2) He wants a recent transaction but won't accept anything from a statement. He won't accept recent deposit info. He won't accept recent check info. I don't use my debit card, so there is no info from that he can even use. WHAT OTHER INFO IS LEFT????? I had no other accounts connected to that account. He already verified my SSN, birth date, address and phone number but STILL refused to help me.

PRIOR INSTANCES OF STUPIDITY: When I moved to a new residence, I updated my address info online. However, I noticed that my card wasn't working at gas stations anymore. I suspected that it had something to do with the zip code verification. I called customer service and asked them to double check that my zip code was updated in all of their systems. The guy was lazy and just verified the info from my online account and rushed me off the phone. I called again, got a different person, who did the same. Finally, I went to branch and explained the situation to the manager there. I told her something must be wrong with the address update. She double-checked and lo and behold, the zip WAS wrong in their other system. It was correct in my account but not in their debit card system, which only they can correct. They didn't connect my card to my account correctly so when I updated the address info, it didn't automatically update for the card.

In another instance, one of their tellers convinced me to switch to a free checking account to earn more points from my debit card. I had already amassed about 20,000 points on my card but was saving for a big reward item. He said I would get an extra 10,000 points if I switched and that they could keep the account number the same. So, I did. Well, he was so WRONG. The free checking account doesn't award ANY points at all. When I noticed it, I called the customer service and told them what happened. They apologized for the misinformation but said that my points were lost forever. They couldn't give me the points back. So, in other words, they stole my points. That teller probably transferred those points to his own account and misinformed me on purpose so that it would explain the missing points. The points were the main reason I opened an account with them in the first place. I stopped using their card after that.

In yet another instance, I stopped by to make a deposit at a branch while I was grocery shopping. When I get home, I get a call from a teller at the branch who informs me that she "reviewed" my account and noticed that I made a big deposit and then tried to sell me an account upgrade. Considering my last incident with the lost points on the debit card, I declined. She then called me back a second time after I hung up and kept trying to sell me the upgrade. WTF??!!! I was also alarmed that she reviewed my account without my permission. Do all of their tellers go through people's accounts like that when they're bored? If you have an account with PNC, you should be concerned for the privacy of your transactions. After that call, I spoke with their manager and chewed him out that I thought it was a huge security concern for an employee to be reviewing people's accounts without permission and then calling people at home.

It doesn't stop there. Another time, I tried to deposit a two-party check written out to both my husband and I. I kept my name the same when we got married for convenience except on checks; it looks like it's made out to two separate people. My husband came with me because I knew it was required for two-party checks. They still wouldn't deposit the check, even though he signed it, gave them his ID and was standing right there! Nothing else was wrong with the check. He just said, "It won't go through." I then asked for a manager, who came over and processed it without a problem. He said he didn't know why the first teller didn't want to or couldn't process it.

CLOSING MY ACCOUNT was also a hassle. They made me come back the next day since the manager wasn't there to sign a cashier's check. How the hell does a bank operate without a manager or the ability to process cashier's checks? A bank is supposed to be for convenience, but PNC has been nothing but an INCONVENIENCE to me. Note to any of their employees if they ever read this: Hire better customer service reps and test their intelligence please. Require a survey after every call and also an employee number that customers can reference to report any misinformation they find out about later. Customer service should be a bank's top priority.

At first, I gave them the benefit of the doubt on these issues, but soon my patience ran thin as these issues continued with no apparent effort to make them any better for me as a customer.

However, the last straw (and reason I closed my account) came when one of their ATMs ate a $150 check of mine, would not return it, and all I received was a receipt saying the transaction could not be completed. This was inconvenient, but not the end of the world. What came next was shocking however, a series of boilerplate and scripted responses to my requests for a resolution. Finally, I was notified that they would address my issue, via mail, IN 90 DAYS. Furthermore, the call center attendants claimed they could not speak to me about the dispute, and that the dispute resolution department could only communicate via mail.

Really, no joke, 2013 and PNC has a department that will only communicate via snail mail. The $150 looks like it is going through just fine, but the message has been delivered to me very clearly - I do not matter to PNC as a customer. The deposit should clear in the next week or so, then I'm going to close my accounts and move back to my credit union.

Too bad, because my profile is one that I have a been PNC customer for 5 years, have a 740 credit score, direct deposit, a personal line of credit, and a credit card. You would think that would be a customer they would like to keep... But apparently not. So my next couple of weeks will be spent transferring my checking/bills to my credit union, as well as finding every bank review site that I can; to warn others to steer clear of PNC and find an institution that values you.

I stood there and searched around for another employee who could explain to me what the matter was. A tall, black young male employee was walking towards the bank and I then stopped him and asked, "The young lady just threw my check back at me and said that she can't cash it." He looked at me in awe and asked, "What? Let me have the check." I handed him the check and explained to him that she had said to me that the signatures do not match. It took him two seconds to match the signatures and he handed it back to her. I never asked him what was her reason for doing what she did, but I kind of held his hand and walked him aside and asked him to kindly speak with that young child; she is starting out in the wrong way. She should have never said what she said to me. What she should have done, was, "Miss, I am very sorry, but I am having problems matching the signature that we have on file to the signature on your check. Just give me a moment, I will get my supervisor to see what he can do." A polite and intelligent professional would do something of the sort. This young lady is rather arrogant and does not belong around your customers.

And I feel it is illegal for a bank, simply because one does not have an account with them to charge $10 every time one needs to cash a check.

My husband is still unemployed (June 2013) and we re-applied for the program on April 24, 2013. We are still in the request-additional-documents-every-month phase. Recently, my husband's unemployment ran out, so we are down to one income. Now PNC wants us to resubmit everything and start the whole process over again. In the meantime, their collections department keeps calling (sometimes the same day we spoke with the loss mitigation department) to ask when they'll receive payment. They don't even know we have an active file in loss mitigation. In the meantime, we are left here spinning our wheels, terrified that we will lose our home while PNC plays their bureaucratic games.

On Monday, June 10, the customer service rep told us that they have the money but the wrong routing # was given, but the account # was right. Checking my records, I found that I made the mistake. Okay, fine. The rep verified the routing/acct number with my SIL, and informed us that the money should be in his account no later that 4pm that afternoon. 4pm came and went, no money. We called on Tuesday, June 11th, 3-way conference call again, another rep said the money will now be in the account that night at 10pm. 10pm came and went, no money. We called again, on Wednesday, June 12, spoke to someone else, who was totally oblivious to the situation, and finally said the money was returned on June 11 by the close of business that day. Huh?! Why?

Because they just couldn't handle the fact that the routing # was wrong in the first place, so it was sent back to my retirement company. The rep may have thought she was helping when she said the return could take up to 4 business days to show up on the retirement company's account. Therefore, we are talking Monday, June 17, or Tuesday, June 18, the latest. Then I would have to wait for confirmation from my retirement company before I can initiate another loan which should be about next Thursday, June 20, and because it could take up to 24-48 hours, it wouldn't show up in my account (which I have since opened) until about Monday, June 24.

Now, this is my dilemma. The money, $6,000, was taken to pay for a medical procedure, which should have been done already. I am diabetic, have glaucoma, and may soon be on dialysis. Basically, I am not well and I was treated worst than a beggar on the streets. When I said I would make a complaint, I was reminded that I was the one that made the mistake in the first place. Forget what everyone else said to me the days leading up to them finally returning the money, it was just simply my fault. I don't think so. I am very upset, if you cut me I wouldn't even bleed. Somebody is going to have to pay for stringing me along. I will not stop until I exact a suitable resolution.

This is incompetency at the highest degree. PNC kept my money for almost a week in limbo, just because of a wrong routing #? Give me a break. I am giving PNC the chance of compensating me for this. This is NOT going away. Go to Google and read the complaints about PNC. Disgusting!!! How dare you treat me like this? I feel like a criminal!

I first asked why the account had been closed, but she wasn't able to answer me. I then asked when, and was told it had been closed that day and the letter and check were being processed and would be mailed shortly. In short, PNC closed my account without notice, removed MY money, leaving my family with no available funds that belonged to ME, and also completely left us in the lurch for pending payroll direct deposits scheduled for the next day prior to a weekend, when the banks are closed.

That meant they not only had my money that was in the closed account, but also created a situation where our paychecks would be rejected and sent back to our employers to reissue as paper checks, a process that takes at least another 5-7 days at the minimum. No food, groceries, etc., for the entire time without borrowing money. PNC has repeatedly made mistakes, charged horrendous fees associated with their mistakes, and taken way too much time to correct the mistakes, if at all. In general, I would avoid this group of criminals at all costs.

They said I was stupid for having a joint account with someone like him and said they had every right to take money out of my account to cover his debt. I am incredulous that a bank or any other place of business can get away with this time of transaction. So if someone you have any kind of joint account with takes out a loan, you best hope you don't have your own personal account with that bank or they will freeze and seize your funds to cover a loan you had no knowledge of or any part in. I was completely cleaned out of my own funds to cover cash advances that I did not take, authorize or know about. I could not purchase food, pay my day care cost, gas for my car or pay bills. This was fraudulent and I want to know what has to be done to stop this practice and put this bank in its place or out of business.

After having been courted by several banks for many years and not changing because I felt I should be loyal to the bank that gave me a construction loan to expand our business, I see now the bank is only concerned in protecting themselves. We have had to spend countless hours/days contacting vendors, explaining what happened and issuing checks from another bank. In essence, we were given the boot and sent off with a certified check for most, but not all of our money, having to endure a huge dip in our cash flow because Western Union shut down our money order and wire transfer equipment until we paid the drafts that PNC refused.

I have heard that since the banking regulations have changed, that when red flags appear possibly indicating some sort of fraud or that the bank will have to be involved in more paperwork reporting to the government, they choose to remove themselves by closing the account(s) and telling you to go elsewhere. We weren't told this to be the case with us. They said we just had too many returned items, but I wonder since we had checks written on our main account, deposited into a sub-account causing us to be overdrawn, it looked like we were doing something bad. We were only depositing checks written to us to document the funds (cash) placed into our ATM, which in turn the funds are returned to us via ACH deposit into our main account.

Sounds like the banks have gotten too big to be sensible! The proper way to handle this would be to look at what we do and why, then say we had to do it another way if they didn't want us doing business that way. To say goodbye (freezing our accounts) without giving us notice was wrong. Allowing us to find another bank, set up all of our ACHs and have vendors paid with checks that would clear would have been the right thing to do. We feel like we were being punished publicly for an error that they couldn't or wouldn't tell us how it affected them. Just, "Sorry, you got to go elsewhere!"

I contacted my branch and was told there were no managers and there would be none in the office until afternoon! Of course, I had to be at work and would not be able to receive or make a call until after their hours. Finally, on May 3, I spoke with a manager and was told she could not do anything and by this point not only was the hold there but my paycheck had been direct deposited and was absorbed by the hold due to my ATM withdrawal! I requested the number for the department that placed the hold and was told it was an internal department and she could not give a number nor could she transfer but she would have them call me within 24 hours! Since it was a Friday, I asked if they were open on Saturday figuring that the return call would be closer to the 24-hour mark than immediate. Her answer, "I want to say yes," to which I stated, "Which means you do not know their hours?" which brought the reply "no" with no offer to verify hours and this is a manager?

No one is giving any help and they conveniently can't get in contact with whoever put a hold on our account. I understand holding a check, but don't deposit the funds into our account and then suddenly take it back out at random. This is an unacceptable system and they are making me suffer for it. Now I have no money for gas or food or to pay our rent even though we should have over $6000 left. The worst part is, I will be incurring late fees for rent and of course if any of my payments are presented, they will return (incurring fees from those companies and of course PNC will not hesitate to charge their NSF fees). There were financial decisions I wouldn't have made if I had not seen the funds available and had any indication that the funds would suddenly become unavailable. They just decided to put a hold on it. I have been with PNC since 2007 and have seen the customer service deteriorate from National City level of service to zero with PNC!

I've been assigned an account manager who doesn't pick up the phone and will not return my calls when I leave a message, phone #866-622-2657, ext. **. And I can't get anyone else to do a damn thing so I can at least pay my bill over the phone which is completely annoying. I've already filed a complaint with the BBB, but I don't really expect much results. Is anyone else having this problem? Is there anything I can do to protect myself and my credit (which have worked extremely hard to repair)? Is there any class action lawsuit against them that I can join!? I really don't know that much about the banking industry, but I feel like I'm about to get screwed over.

The best part is, they somehow or another figured out our treasurer was a scam artist and not only notified her of closing the account, they also gave her the last $400 in the account! So in other words, instead of trying to resolve the issues with the original account holder, they aided the thief into completely taking all of the money and are allowing the innocent people to suffer. Now we are out of $40,000 and banned from ever having a PNC account again because of this thief. I also see that 99% of the feedback found on PNC Bank is negative with multiple reasons. Obviously, a corporation with this much negative feedback should be viewed as a bad idea better left alone. I will continue to let everyone know about PNC Bank's flawed policies and bad customer service and refuse to allow the people I know to become victims!

Previously, college-aged daughter was away at school in PA. Her debit card had something wrong with it and she ended up with a hard hold on her account. The branch nearest her told her they could not help her and that the account could only be unfrozen by her home branch in NJ. Unfortunately, she could not come back to NJ to deal with this so I went to the branch myself since I was a signer on her accounts as well. They would not unfreeze the account unless she was physically there with me in person. I had to buy her a bus ticket to come home because I had just given birth 10 days before and could not drive 2 hours to get her myself. The account was locked down a total of 6 days.

College-age daughter's account was compromised in the cyber attacks last year and again the accounts were frozen until PNC could renumber the accounts and issue a new debit card. They did not notify her of this via telephone, she only found out when she was at the store trying to buy something and her card would not work. Only by her calling in did she find out. Unfortunately, she was due to go on vacation with her grandmother and cousin in 3 days so I had to loan her my credit card for the trip.

Last month, the baby misplaced my debit card somewhere in the house. After failing to locate it after several hours of looking, I called customer service to have the card canceled and reissued. They told me 7-10 days which I was fine with. College daughter was at the grocery store and couldn't use her card. PNC canceled her debit card even though it is not linked to any of my accounts. I found a branch that was open and they had to call customer service. The rep refused to accept that I was who I said I was and told me to put one of the tellers on the line and give them my driver license. The teller had to verify my identity to the rep despite having provided all the account info when they called in. I was told that all debit cards for all accounts that I am a signer on were cancelled and they didn't know why but new cards would be issued.

One week later my daughter got her new card, I received nothing. I gave it a couple more days and called to inquire where my card was. Customer service informed me they never ordered me a card. I was livid. I asked for one to be overnighted since it had been 14 days without one. I was told that would cost me $29 for something that was not my fault. I said that it was unacceptable and I wanted to speak to a supervisor who told me they could not waive the fee but maybe a branch could. I was on the phone 38 minutes and then had to go to a branch. They could not waive the fee but they could get a card sent direct to the branch in 3 days so that's what I did. That was 18 days without a debit card.

And today, I deposited a $1,300 financial aid refund check issued to my fiancee. He endorsed the check and signed it over to me and then I endorsed the check and deposited it in the ATM. We had done this a dozen times without issue. Online banking showed the deposit and made $100 available immediately. No problem, right? Wrong! I checked online banking this morning and the check was flagged for a "presentation error" and no funds were credited. I called customer service and they confirmed this. When I asked why, they informed me "that department does not work weekends so we cannot transfer you there and we cannot tell you anything, call back Monday." I went to the branch to see how long it might be to speak to someone and there were 8 people in line ahead of me to see the one rep there today. That was it for me. Hopefully, they will release the funds next week.

I withdrew $50 from the ATM and went to the credit union to open an account today. They don't have as many bells and whistles, but the employees were very nice and helped set up 3 accounts plus issued me a debit card on the spot! I can't wait until my payroll direct deposit moves over and I can close the accounts for good.

After about 15 minutes, a black male came to the window and informed me that they could not verify or validate the check; therefore, I could deposit it in a banking institution other than PNC. He further stated that if I wanted to wait until he called the PNC Mortgage Department, that I'm more than happy to have a seat and wait, but stated that their systems were down. All the while conducting business, cashing checks and accepting payments from other patrons frequenting the bank.

This was not only humiliating to me as a patron, but somewhat suspect of the members in that particular branch. Again, this was a PNC-issued bank check issued to me because PNC was over-billing me, yet PNC members at this particular branch refused to cash it stating reason such as it (the check) can't be verified.

Their system is flawed and they are making us suffer for it. Now we have no money for gas or food or to pay our rent even though we should have over $1,000 left. The worst part is they can't even say the check was bad. There were financial decisions we wouldn't have made if we knew the funds would suddenly become unavailable. They just decided to put a hold on it. This should be illegal and if it is and a lawyer reads this, I'd love to sue!

Account labeled Altima was fine and account Titan was fine. In the first week of February, we got a call from collections for the Titan. We told them it was set up ACH auto debit. They said they just collect payments and didn't have access to that info. The conversation ended. We received a couple more phone calls that were very annoying as this was already set up auto withdrawal. Finally, after a couple of weeks, we called to complain about this harassment! The rude customer service reps and 3-5 transfers every time you call again were very trivial.

We finally spoke with a rep who found the auto withdrawals and he said he found the ACH authorization but did not understand why it wasn't coming out. He named our bank possibly, but he was told we had another account for a separate vehicle that was set up the same way and he could not figure it out and would call us back. It has been exactly 60 days since the payment was due on January 27th and approximately 80 since the auto withdrawal was set up. Assuming this was a paperwork error on their part, we awaited word from them.

We woke up today, 3-27-13, to find our vehicle towed and repossessed. Upon calling all day, we were transferred for hours and between 9-10 different people. PNC customer service is the most rude and unsympathetic to their mistakes and we can't wait to pursue this legally with our attorneys. Little do they know we have 6 banks with vehicle loans set up auto pay over 18 vehicles and over $2 million in accounts. I will spend every last dollar I have making a notch in their belt and the settlement will be glorified. Please take my word. Our other banks, First Liberty, Franklin Securities, FNCB, and Wells Fargo are more than happy to earn your money. I advise you to steer clear of this company and its tyranny.

Original Review: March 13, 2013

I had planned to deposit some cash in my checking account. I got to the branch on March 11, 2013 and the teller asked me for an ID in order to make a cash deposit to my account. I gave her my debit but again she asked for an ID and unlike the last 25 years depositing to the bank with my debit card, she refused to do it unless I provided her with an ID. I didn't carry any ID at the time because the weather was so good and I decided to walk to the branch instead of driving my car so I had just my debit card and the cash. The interesting part was that the manager or whoever was in charge that day supported the teller's decision and refused to accept my deposit.

I got to the other PNC nearby branch (Mayfield Hts.,OH) after an hour and deposited the cash without any ID or questions being asked. I believe the PNC branch on 5055 Mayfield Rd., Lyndhurst, Ohio has the worst representative and management compared to all other branches nationwide. They wasted my time and treated me like a criminal. I never will stop there for any business and I'll inform all my friends, relatives and co-workers about poor customer service and poor management of the above branch. If you have another option, don't stop at the above branch because they will mistreat you.

Today I called and they told me, “Sorry, we can't do anything to help you, and we have to put a hard hold on your account.” I told him that it was disappointing because I have no food money and/or access to my account. He told me that he was sorry. I told him, “I would have to close my account and find another bank.” And he told me, “Do what you have to do, if that's what you want.” I'm so sick of customer service and the politics that go along with the little guy getting crapped on by big companies like PNC. Oh, it's the PNC at Kendig Square. If I had the money, I would hire an attorney for the screw up of both companies; maybe I will.

I know that I'm not the 1st person that she created an acct for at the bank. She acted as if she didn't know by asking the other male PNC employee. I came back to the bank on the 1/25/2013 because I read the paperwork. I waited for her to come and they called the police on me. I wasn't talking loud or doing anything. All I was doing was walking in the bank. And Ms. ** wouldn't come out to speak with me. The police told me that they had called saying that I was acting strange or weird. I told him that the employee needed to stop lying about what the rules were with my account. I requested that they change my acct # on 1/26/2013 because of the last #s. I was told by the teller (Linda) that Mrs. ** told her that I couldn't open up another acct unless I had $25. I clarified that I didn't ask to close the acct., that I just wanted to be given another acct.

When I opened up the acct. in the first place, Mrs. ** knew that the acct. ended in "666." I doubt very seriously that the acct. # was the next number in the accts. to be given out. I didn't appreciate the lying and disrespect from the Palmetto PNC employees. I'm sure this has nothing to do with race, because it would be a shame that PNC would promote any type of racial acts against anyone in this country (Black History Month too). I wanted my account number transferred without the $25 requirement because I had it when I first opened the account. This is ridiculous and the worst case of bias I have ever seen. I ended up leaving the bank disappointed and very disrespected. How dare anyone at the bank call the police on a customer because they were lying about the rules.

I received only a small portion back as a courtesy as they called it. Since I was getting nowhere with customer service, I emailed every executive I could find and worked with one who gave me another, smaller portion of the money back. Again, they call this a courtesy? I did not choose to bank with PNC, specifically because of all the negative reviews they have received. However, they bought out my bank and now I have to deal with them. My hope is that someone will see this and choose not to do business with PNC and save themselves the headache and the money they have caused me. To date, my matter remains unresolved.

So then, another day goes by and I get another call. Seriously?! They are going to call me every day?! Yep, that's what they do and for $70 some dollars. Really, when I have been an excellent customer for years, paying on time, paying more than the minimum due?! The one time I missed a month and I get called daily! I didn't mind the first call, but after I told them what I would do, I didn't feel it necessary for them to call me the next two days in a row. There has to be a way for them to put a date in the system to call me back in a week or so but not daily. That is just complete harassment. For the record, I did send in $100 to get them to shut up and will send my other $100 in a week or so that this month is paid on time, like I usually am. It's ridiculous how they treat great customers when they have one incident.

I went to wait for her and another associate came and asked me to come into his office instead. I repeated my request and he explained that the only person that could approve this was the manager. They had separate offices, but shared a clear glass wall and an opening between them. I asked him to please ask her. He hesitated, got up walked around the clear glass, knocked on the wall and asked her to approve the deposit. She said no. He returned to sit in front of me and repeat that she was the only person who could approve this and she said no.

I asked if I could talk with her in person. While continuing to sit behind her desk, she then stated to me through the glass wall that this is bank policy. I asked, "Please call someone at the bank to get approval." She did make a phone call, left a voice message, so that I could hear her that she wanted this person to call back and explain that it was bank policy. Without any effort to help me, she then informed me that I would have to wait in the hall. I said that this was very important to me; I would wait for the person to call back.

I requested that she call someone else at the bank. A bank the size of PNC must have someone else who could approve this, or if I could call a bank manager at another branch I knew who could ID me for her. She said, "You will have to get out of his office so he can work." I said, "There is only one person waiting, you can wait on that person, or I am willing to wait in your office. All I want to know is how much could I keep from the check." I then texted my husband in the car that I would be a while, so my husband sent in my daughter to check on me. The manager proceeded to call the police. Both my daughter and I were discriminated against. Even the police were shaking their heads and rolling their eyes as the manager spoke.

Background: I was the person in which PNC Bank local reps needed to approach to get permission to market in my business. PNC had marketed several times, to over 125 staff. That was the reason I had asked to call another branch manager to confirm my ID. Also, I went next door to Northwest Bank and my request was handled with a smile from the bank manager who left his office, and personally greeted my daughter and me.

The next day, nothing had been resolved and nothing was noted on my account. By this time, the overdraft fees were starting. They again said there was nothing they could do and to talk to my auto lender. At that time, I asked for them to waive the NSF fees while I speak with the auto lender. They refused, stating that this was a user error and not their fault. I asked for proof as this was not true. They lied and said that they have the keystrokes recorded of the transaction. I just so happen to be a software designer - with several of the former PNC developers who worked on the Virtual Wallet software on my team. I know this to be false.

I called their bluff, stating that they (at most) have the transaction requests on file and that even these can be falsely initiated if they do not have the appropriate safeguards in place. They again denied any wrongdoing and refused to even give me a few days grace to talk with my other lender on solving their mistake. RBS was incredibly helpful in resolving PNC's mistake and issued a refund. Unfortunately, that will take up to 5 days to process, and now, I have 6 overdraft fees as a result. Mistakes will happen. I can accept that. What is unacceptable from a service industry (like banking) is refusing to address those mistakes. What makes this abhorrent is that they are profiting from their mistake.

By September, I received a message stating the points had been refunded, but they did not show up in my account and were not in any way usable. By November, I had talked to 4 different escalation specialists and had made approximately 20 hours worth of calls to no avail. In December, a points specialist informed me that the account had been closed by my request and therefore the refunded points defaulted.

Upon explaining that I never closed the account, I was sent to Retail Escalation again. They had closed my card on my behalf due to fraud. Points informed me to get Retail to reinstate the card. Retail couldn't do that on a fraudulent card. I spoke with the following Escalation specialists: Tim **, Renee **, and Sharon (no last name given). Each gave me their direct number and assured me they would have the issue resolved. By Christmas, none had returned my calls or answered their phone. Finally, I filed another official complaint and received a call back stating no progress had been made thus far but the issue would be resolved in 20 days.

By the first of the year, the points finally showed on my account but for a balance less than the original amount redeemed. Ready to end this nightmare, I went to log in to redeem the insufficient amount of points, something I'd been trying to do for months as I'm expecting a baby and still have many necessities. Yes, I've spent my entire pregnancy on the phone frustrated. If I could sue for psychological distress, I would. Upon trying to redeem the points, the website didn't work.

I called and the specialist told me I could do so over the phone, but could not do so on the total balance due to a policy change that went into effect on November 1st, 2012, 4 months after my initial complaint. I angrily re-explained the situation. She transferred me to a retail specialist who said she had no power to do anything and would have someone call me back.

My mother worked for National City for 15 years. I had been banking with them for nearly 12 years myself. Since the change to PNC, I have been issued 4 cards due to fraud in a year. I have had account balances shifted, closed, and reopened, without my prior knowledge or even being informed until questioning these activities. I have been coerced into a credit card account with a points incentive which never came to fruition, and I have suffered numerous hours on the phone with inconsiderate, incompetent, and in many cases untruthful representatives. This company on all levels simply does not care once they have your money and apparently does not care if you choose to go elsewhere.

Do not make the same mistake I did. Do not bank with PNC.

I had to go back to the branch and speak to the branch manager. Well my spouse had already started with the corporate office filing complaints (this is the third mistake this branch has made with different transactions when we go into this branch) and accusing them of theft. They had the teller come over with all these transaction slips pushing them in my face and expressing his apology for the mistaken withdrawal. My issue is who is checking? How was this teller able to balance at the end of the banking day? Is no one checking? How do they know this person was not just waiting out their time to see if anyone would complain and then take the money and pocket it? I have had three different mistakes made by the management/tellers of this bank and they need to investigate this branch. I have used other branches and have never had a problem expect with this one. They stand outside more than they remain inside at their desks.

She cited a loss prevention policy as the reason for refusal. Isn't loss prevention invoked when the bank is actually in danger of losing money, as is in the case of overdrawn customer from whom they plan to proceed with collection activity or with customer who have defaulted on loans with the bank? This loss prevention policy that the manager invoked is inappropriate for active accounts with balances. I am stumped as to why this occurred. The explanation that another teller offered was awkward and flimsy at best, and downright false at worst. I say all that to say that my brother was profiled by the manager and the teller for no reason at all. I was a loyal, consistent customer of this bank, and now I am reconsidering changing banks in light of what happened.

I then called PNC to explain the situation and stated that it was most likely that they were just trying to charge a restocking fee to me just so they could bill my card for an amount when I never agreed to cancel the item. PNC checked my account and nothing had been posted from the merchant, so instead, I was told to keep an eye on the account. About a week later, I received an email from the merchant indicating my refund has been issued. When I checked my online banking, I found that I had been billed for the total amount of the merchandise, and then refunded, minus the $56 restocking fee! Infuriated, I called PNC and they stated they would issue me a provisional credit, while I filed a dispute through their card member services and assured me that everything would be fine and my claim was legitimate. I proceeded to print and reference all emails and information from the merchant and sent it to PNC.

In two days, I received a response that they found my claim unsubstantiated and the provisional credit they issued would be retracted! I was absolutely astonished. I called customer service again and explained the situation and asked on what basis it was rejected and they said, in the best corporate speech they could muster, the issue was between myself and the merchant. I stated I had already spoken to the merchant and they elected to cancel the order and bill me anyway for a $56 fee for absolutely nothing. The PNC representative told me it was within the merchant's right to basically do as they wished with my account. So it was perfectly okay not to complete a transaction and charge me a penalty for it as well. How in the world would it be okay to wield so much power? This merchant could charge me 20, 30, 40, 50% or more? Beware! PNC feels it is not in their corporate interest to act in your behalf. Their feeling is it was within the merchant's right to do whatever they wished.

I am in the process of finding names and filing emails and letters to whomever I can to explain exactly why I am leaving this bank. This is the absolute worst in customer service I have ever experienced, outside of the actual merchant who my original dispute was with. PNC is in no way, shape or form in the interests of the consumer. It is evident when you have to deal with them on a level such as this. They take the corporate hardline approach and do not do the right thing. It is evident that this entire situation was a case of fraud; in fact, I physically mailed them the paperwork to prove it. Instead, they defended the merchant who drew unauthorized funds from my account. It is easy to understand why, both this merchant and PNC, have mutual corporate loyalties to Visa. Horrible. This bank should be bought out or shut down altogether.

I came back home and logged on to the Personal Banking website to find a line item listed yesterday as 'Miscellaneous Withdrawal' for several hundred dollars that I had no knowledge of. I attempted to call Customer Service to find that they have new (shorter) support hours now, and I could not reach anyone in that department. On a gamble, I contacted PNC Card Services and reached a young man who was kind enough to let me know (on the sly) that he could, in fact, access my checking account through his system and confirmed that an electronic payment I did make through the 'Pay Bills' feature toward my PNC credit card did process successfully as expected. However, this 'Miscellaneous Withdrawal' appeared to be another payment to card services for an even higher dollar amount that was allegedly initiated by me (not the case) through 'Transfer Funds' was also in process. (Progessive rank: 2 stars)

This new transaction is of enough of a dollar amount to reduce our checking balance to a pitiful remainder, will cause my Home Equity Line payment (among others) to bounce, and cannot be disputed until it posts "sometime early next week". I asked what, if any, recourse I had, and he politely informed me that there was nothing more he could do (understandable), and nothing really I could do until 0700 this morning when Online Banking Customer Service opened. So, at 0714 this morning, I called Online Banking Customer Service, and after spending several minutes with the 1st level rep explaining my issue, and asking to speak to someone in Systems/Operations that could provide detailed information of this new transaction (Date/Time initiated, source, IP and MAC address), he brought on an Operations representative to the call. I rehashed everything again, was advised that the phantom transfer actually happened back on 9/6 as a 'scheduled transfer' (not by my hand), and thought there might be a light at the end of the tunnel when I asked if he could escalate further on my behalf. (Progressive rank: 2.5 -3 stars)

Unfortunately, I ended up in the not-so-loving arms of a Ms. Stephanie **, Manager on Duty for Online Banking. I give her credit for toeing the company line, but the conversation was less than positive. When asked for her help to drill down to a root cause of this issue and whether or not some kind of a matching 'provisional credit' could be applied to my account today (and break even with this erroneous transfer when it posts), she advised me, quite condescendingly, that my request was impossible and would not happen and that I must have scheduled the transfer myself "because their system is working fine". Continuing my want to get to a root cause, I asked when/how I could be provided with an extract of my online account history (security logs showing all of my activity from 9/5 through today should I need it for future reference) and was told in a rather abrupt tone that it "was not possible". (Progressive rank: 1 star)

When I asked her to continue escalating my issue, she informed me that she was the highest-ranking employee available and nothing further could/would be done. I suggested that she consider her answer before making it final, and she snapped back with, "You won't be speaking with anyone else on the matter." (At least not that she was willing to assist with...) (Progressive rank: -2 stars) I have tracked down some contact information through my network (and LinkedIn) and have emails out to Tom Whitford (PNC Vice Chairman and Sr. VP) and Anuj Dhanda (PNC CIO). Let's see if customer service means anything to these guys …

The first day after the deposit, I'm only credited $100 of the deposit - with the balance posted to the account Wednesday. Then to add insult to injury, they posted the checks from the largest amount to the smallest, rather than the order they were written, to maximize the number of checks they could bounce! Really? Didn't they just have to settle a lawsuit over that? When I pointed this out, the woman told me that Meijers must have submitted them in that order, **! They were electronic checks, and I know that a check written on Monday is going to be transmitted before a check written on Saturday! The woman then told me, rather snidely, that if I got direct deposit, then I wouldn't have to worry about when my account is credited. Most people would think a national corporate payroll check would "clear" in less than 5 days since they're able to deduct an electronic debit in a matter of hours. And most people would think they have available money when their online account says they have available money! I can't wait until my last check clears and I can close this account. I started with National City 26 years ago and stayed when PNC took over. My mistake!

Finally on 8/13/12, my loan account was a zero balance and closed. Dan from PNC's customer satisfaction loan department told me my title will be mailed out to me in 10 business days. Today is September 9. So roughly, 1 month after my loan account was closed. Did I get a check for an overpayment? Yes. Do I have my car title from them? No. Now, they can send me a check for paying too much on the account but cannot send me my title they are holding. How hard is it to mail a piece of paper compared to printing me up a check. This bank sucks and I've been dealing with this for a month and I still have no car title. Once I get it, I'm definitely closing my account with them. ** PNC Bank!

Finally, I went to the branch on August 29th but another staff told me that the check was sent to my old address and there was no saying that I ordered again to send it to the branch. So, I ordered again! She asked me to wait for her phone call. It is so ** difficult to get the damn checkbook! What a low-efficient company! I need the checks to pay my roommates for utilities and rent! I don't want to wait for 2 months to get that stupid checkbook!

I want my buyer to get a written apology from both these employees of PNC Bank. The loan officer did admit that she made a mistake, but I would think in 2 months of having all info, the processor or underwriter would catch on to her mistake. If the manager would have stepped up to the plate and did her job, then we wouldn't be trying to find a home for this retired Navy-Marine to live in.

I went back to check the currency rate during 2012-08-13 to 2012-08-31, the lowest CAN/US rate was 1.0051 and the highest was 1.0160. I have no idea how PNC made up the rate, and they have never told me what the converting rate will be before they go ahead and converted my money. I went to the branch this morning and explained to them the whole story. They just coldly said this is not what they can do, and told me to call the customer service and explain it to them. So I called, and the customer service just transferred me around and I didn't get any help and answer. It funny that my roommate had the same story like me with PNC Bank! Please help us!

The bottom line is PNC continues to profit monthly from admitted predatory and deceptive lending. PNC is harmful to the economic recovery and harmful to Americans. Sy Naqvi, CEO of PNC Mortgage, is aware of and supports the continued dishonesty. Please call and ask him at ** or "Jim" Rhor, CEO PNC, at **. The time is now.

If there is ever a work function, spouses are never allowed to go because they say they want to cut costs! If they want to cut costs so bad, then why do they fly their employees off to luxury hotels across the country just to pass out awards! Oh, and don't bother to call the hotels that they choose for their conventions. You're not allowed to know anything about what really goes on there, even if there is an emergency! Also, if your spouse wants to just stay at the hotel with you, not even asking for one thing to get paid for from the company, then its employee will get reprimanded for it! What kind of a company even does that?

PNC hates spouses and does not want them around so they can have a big drunk fest at their employee functions until the wee hours of the morning. And the bigwigs also promote infidelity! Kids will really "grow up great" in that kind of world!

On June 4th, 2011, PayPal won the race to investigate and determined that they were unauthorized and credited the whole amount to my bank. Now, I went to PNC Bank and asked them about the status of refund on the overdraft fees/returned fees/OD charge, whatever they call it. The employee at PNC Bank was very helpful, I must say. She said that she had to make some calls higher up and escalate it as the fees were not refunded on the first try. On June 11th, 2011, not hearing back from the bank, I went back and found out that the bank will not refund the fees and that PayPal has to cough up the money to cover the fees. I called PayPal and explained my situation, and then they sent me a letter to take to the bank that says PayPal investigated the transactions and found that they were not authorized by me and that the bank has to refund the fees.

On June 19th, 2011, I took the letter to the bank and they said that there is nothing they can do and since my account was opened online, they did not have jurisdiction over these charges! They also suggested that I call 1-888-PNC-BANK and sort the issue. Another crazy thing she told me was when I notified both PayPal and PNC Bank about the unauthorized transactions, if PNC Bank concluded their investigation faster than PayPal and issued a provisional credit, then PNC would have issued the credit for OD charges also. Now that PNC was slow and PayPal already credited the amount back, PNC cannot conclude the case that is resolved by the merchant and cannot refund any fees associated even though they are unauthorized. What is that supposed to mean? I have also come to enlightenment that when you opt out of overdraft protection, only you debit card transactions (at POS or online) are declined but ACH transfers and checks still go through and the bank levies overdraft charges! Why the heck can't you decline anything that is kicking the balance in to negative?

On June 20th, 2011, I called PNC and the rep told me that they cannot do anything about the charges and that if I go to a local branch and ask the manager, I should be able to get a letter saying that PNC Bank determined that PayPal has to pay for the OD charges too as they were caused by an error at their end! This is it. I have had enough. I don't have to go through all this. I changed my phone plan for more calling minutes to talk to these people on phone and drove to a bank every day, that too for something I haven't done and for something that I am supposedly protected for. I also have a Free Checking account that I have been using for the past four years and which gets a direct deposit of over $3.5K every month. I am going to pay all the charges myself. I am also closing all my accounts and I will never ever do any business with PNC Bank.

How can you process a debit or check transaction immediately but can't process deposits for 48-72 hours? I contacted customer service and after a complete explanation of PNC's posting policies they refunded the overdraft charges. Then the next week, instead of making a teller deposit, I made an ATM deposit, again on Friday morning before noon and much to my surprise found out that I did not have access to my funds until the following Tuesday. Every bank I have dealt with since my teen years has always had funds available the following day or after 12 midnight for deposits made before their cut off time. I also found out that PNC allows $100 immediately available. But here’s the catch, these funds are only available for debit card purchases or ETF transactions, no cash! Not even a cashback with a debit card purchase.

So today, I am told that they cannot deposit (not cash) a check which is made out to cash for petty cash after 6 previous bi-weekly deposits for this transaction was accepted by the local branch I have dealt with from RBC for many, many years. I went to a nearby branch about 5 miles further and they gladly accepted my deposit with kind and pleasant apologies for the treatment I have received at my local branch. Mind you that I will never deal with the local branch anymore in the future and will be changing banks immediately just because of PNC's screwy policies. So, if you're ever in the Asheville, NC area, warning, do not deal with the Arden Branch. They are rude, unprofessional and just plain stupidly difficult to deal with.

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.

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.

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!

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.

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 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.

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.

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.

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.

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".

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 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.

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".

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!

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.

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.

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.

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.

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.

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!

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?

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.

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.

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 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 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?

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.

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.

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.

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

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".

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.