PNC Bank Reviews

My deposit should have been placed on that days business but the bank delayed it till the following Monday the 12th due to their lack of being able to get to me in time. Over the weekend I made purchases on my account that was in the positive to begin with, that I assumed my money was available for.

Monday morning I updated my Quicken account to find that my deposit was still pending, even though it should have been placed on the 9ths business!! I wasnt worried due to the fact that the pending items listed my deposit as being processed first. Tuesday morning I found that my account was placed into the negative. Additional deposits had been made to cover any upcoming expenditure I might have had. The bank said to me that there is nothing they were willing to do for me and that I should practice better accounting methods, which is ironic due to the fact that my accounting is done through Quicken which downloads from their web service.

The Branch Manager says to me that he would refund 2 of the 9 overdraft fees. I told him that I wasnt satisfied with that and would be closing my account and he said ok. I work in the customer service industry and it seems to me that if I had a customer that I had wronged I would do anything in my power to rectify the situation. This is not the practice that the bank philosophies state. I feel as if they stole money from me and my family and will do anything possible to get it back.

I am not able to buy food or clothing for my family due to not having the funds available to me.

Katie Layman could not give any information, and she was very demanding of me to send the settlement amount of $255.00. I asked her how did she get my name and number? The address is totally not mine. She told me she had mailed several notices. I informed her I never have lived at this address. She could not give me any information. I do not want my credit damaged due to this loan I clearly did not make. I will upload the information she faxed me. I have lived at my address for 8+ years, never have moved or changed my phone number since I have been here. Never have lived or visited Traverse City, Michigan, nor have I banked at National City Bank.

This information is with this collection agency SRA Associates, Inc. I want this matter settled prior to damaging credit. As I said they refuse to give any Social Security Number and License Number for me to verify and clear my name as the one who owes this debt.

At this point I didn't know what to do so contacted a credit negotiating company to help me, National City told me they would not work with them. I tried several times to get on a National City Bank program. I finally was able to get on the program with National City, I thought everything was taken care off. The next week I received a notice in the mail that I was being sued by National City Bank, I contacted them and they said I was on the program and not to worry.

The following Monday I received a call saying I was being taken off the program

as I spoke with the woman trying to find out why A third party who was listening to our conversation got on the phone and was really rude, verbally abusive and told me I deserved to be sued. All I have ever done is try to make payment arrangements with this company and they have never allowed it.

I am now in litigation and have talked with their attorney several times. I call him every time I get papers from him. He has told me not to worry about it right now because I not working consistantly and I don't own anything, he can't get anything from me. But, the amount I owed in the beginning was $4,885.46 when I wasn't able to make my payment online and I am now owing $6425.94 to the attorney. Most of the time he does not return my phone calls. I even left a message asking him if I could borrow the money what type of arrangement could I make for a pay off and I never heard from him. Today I received notice that a lien on any property had been filed. The attorney acts like its no big deal and just forget about it right now.

The emotional stress this has put on me is horrible. They are ruining my credit which I worked terribly hard to get good again last year. Because I went to the debt negotiating company and then they wouldn't work with them, I canceled with them I got three months behind in all my credit. I tried to get them to work with a credit counselor and they said they didn't work with them either. Most of the creditors were willing to work with me so I could get back on track but not all of them. Basically this is ruining my life. I don't make alot of money and I always made my payments to them. They have said terrible things to me and demeaned my character and ruined me financially. I recently received another letter from them asking if I wanted to go on a program to pay off the debt. It seems they don't know what they are doing at the company but they treat people awful and ruin their lives. This is not fair to do to people. The single woman who is trying to just keep her head above water does not have a chance with companies like this who seem to enjoy destroying you. I have made every effort to correct this, I need help from someone.

Had no money until it was activated again. Think its unfair for an employee to bother account unjustifiable. She also has access to my address and social security..Fearful she may retaliate, and use my social security #. I will be notifying the credit bureaus.

I was told by the bank online that they would refund half of my overdraft charges. I wrote back and explained that their teller had given us false information and that they had not effectively notified us of the change in policy and I would like all of my money back. I was told it was not a bank error and indeed it was a abnk error on multiple levels.

On 11-04-04 Ohio-Penn arrived at my front door late at night showing me an unsigned Repo Order. I called the sheriff's department to verify Penn-Ohio's claim. The sheriff's department confirmed they had a legal right to my car. So I gave the keys up voluntarily. On 11-04-04 was the first time I had a phone number and an account number and that was given to me by the repo guy. I called National City Bank several times on 11-05-04 before I got an answer. Two different ladies from national city repo section admitted that my account was not coded right in their computer and that a monthly bill was never sent to me.

If they KNEW the ATM would do this, or at least was known to do it, why then wasn't a Do Not Use sign put up? Also, they could have at least applogized about it, but they didn't. The manager at the bank acted like she could care less, as did the Customer Service Rep who I spoke to on the phone. As a last resort, I sent the company an e-mail from their website. Still no responce.

I have not been able to keep a correct checking account balance for months. I first noticed this in march of 2003. I notified the bank, they said impossible, but they would place a stop payment on the individual who recieved the checks with my account. I notified the local police credit bureaus and FTC. I am a disabled veteran recieving direct deposit, the bank is acting stupid, trying to find out how much I know about this situation. I do not know what the finacial loss is, but the emotional damage to me and the damage to mine and my fienc'es relationship, has been extreme. She would ask me to pay a bill or ask for money, I would say I don't have any she would look at my account and it would say for example $6000.00 dollars the next day it could be a negative balance.

Currently we transfer as much as we can into her account until I can get my direct deposits changed. The thing is the bank had to be directly involved for this to happen. Inclusive how much of my other personal financial implements did they hand out atm cards? I have not been using the account, and will close the account as soon as I can to complete financial obligations. This has reaked havoc on my personal and finacial life. I do not know how far-reaching this incident has gone nor how much damage to my financial reputation, is yet to come.

PNC has thus far refused to release the note. They are harassing me at least once daily for the payment of an additional $1450, which they say I owe, although I've sent them a detailed letter showing a disbursement of over $26,000 over the life of this loan. The latest letter from PNC now threatens to seek a judgment which will prevent the sale of my home. No one in customer service will provide information or discuss the matter other than to say you owe it and you need to pay it because interest is still accruing. This is extortion. I will never again attach my home for the payment of unsecured debt. Since I did not seek out PNC, I believe this might fall under the perview of predatory lending.

My entire net worth is in my primary residence and PNC is threatening to hold me hostage forever in this attempt to extort excessive money from me. I can barely pay my mortgage and the stress has caused me to place my home on the market not knowing where I'm going to go or if I will even be able to obtain financing for another home. They refuse to even provide an understandable accounting of how they applied each payment. I've been able to obtain a customer history which I've examined thoroughly which is how I learned of how much money PNC Bank has already received.

I've read negative news on PNC regarding fraud and questionable accounting methods and at: LegalAction_Com News, plus Civil RICO Case against PNC Bank (by merger with First Eastern Bank), et al.htm (The Valley of Lakes Files) you will see that the associations of PNC Bank itself are questionable. The article mentions one Frank Cedrone who merged with PNC. From what I can tell, it seems PNC managed to escape culpability in this morass. I don't know what the current status is and I'm not an attorney so much of the article is gibberish to me.I can understand though that it does not make PNC squeeky clean.