PNC Bank Reviews

I reluctantly called my bank and was told that they could cancel the additional transaction but that it would cost me $38.00! I was reluctant to pay an additional $38.00 when this whole thing wasn’t my fault. Over the course of several days and MANY hours on the phone, I was sent to customer service escalation department. I was told that they would get right on it and he would call me back later that day to let me know what they were going to do about it. I was never called back! I called back the next day. This is now going on 3 days and nothing was done and no return phone calls! After an hour of holding, transfers, disconnects, etc. I finally was in contact with another “escalation representative” named Joy **. Oh she was going to solve my problem and find out what was going on.

To make a long story short, it has now been over a week and not once has anyone ever called me back and PNC still has my money. I have called and left messages several times to Joy ** and have never received a call back. I don’t know what to do? I have no recourse. Can a bank just take my money and I am helpless??? PNC has had $460.00 of my money for over a week now and I need that money for food and to pay bills. I am so frustrated I don’t know what to do. Is this not just plain and simple robbery? Please help me.

I understand that the ink on my paycheck was light that week, but that is no reason to withdraw several hundred dollars from someone's checking account. If the ink was too light, they shouldn't have accepted the check in the first place when I took the initial deposit photos. They should not get to decide, several days later, that they change their minds. Their consumer funds availability policy does not outline this situation specifically, nor does it give a time frame in which they are allowed to just withdraw paychecks.

I was told that "advances had been made numerous times on that line of credit". I asked how that was possible, since (as I already stated) I had no way to access it. "Well, we can't tell how it was done, you'll have to go to your nearest branch to find that out." THEN I'm told that the account, which was supposed to be closed, hadn't been closed until October of this year! (2014) But, that payments had been being made on this line of credit....until October. How is that possible? Let me tell you: since the line of credit had been set up as overdraft protection, and the account was never closed out, it would give advances to the checking account, since it obviously didn't have enough money in it, and then it would pay itself back from the advance. (and then it would repeat the process).

I was never told that I couldn't close out the account. Now they claim that it was never closed out because I had an "outstanding balance" on the line of credit. Which, I was also never told. (We all know they have loopholes to make it your fault for being unaware that they didn't do as they were supposed to--so, we'll leave that for now.)

To me, it's common sense/knowledge/courtesy to make that information available, and ask the client to pay off the debt so the account can be closed. Of course, that didn't happen.

So, the line of credit is constantly cycling through, lending to this empty checking account, and paying itself back over and over, again. Slowly but surely making the debt larger and larger. And suddenly the account is closed and I'm being asked to make payments to get it "up to date", which is how I found out the account wasn't ever closed when it was supposed to be.

Let me repeat: I'm now told, the reason the account wasn't able to be closed years back when I wanted it to was because I had an "outstanding balance" on my line of credit. (Which I can estimate was maybe $30.00 at the time.) Now I REALLY have an "outstanding balance"...and they closed the account. Which, according to them, can't be done....because there's an "outstanding balance".

I know they're hoping I'll just pay it. They'll threaten my credit, etc. try to bully me, anything but take responsibility for their snafu. (Or bother explaining to me why the "outstanding balance" has to be REALLY outstanding before they'll randomly close the account years later. I guess $30.00 doesn't line your pockets as nicely as $1,500.00+ would. I'm surprised they didn't use up the entire line of credit before finally closing the account.)

After this, I'm moving all of my accounts, and I'll likely be refinancing with a more trustworthy bank. I refuse to give PNC anymore of my business.

This is absolutely unacceptable. I'd rather have my card come up as declined than pay $36 to cover a $19.99 charge. Or as PNC does it (This is directly from the account view) a total of $79 to cover that said $19.99 charge. Oh and after my loan charge didn't clear, I was charged another fee, then given back money into my account... which makes no sense at all. Mind blown.

But PNC learned of the transaction, filed an injunction which prevented me from using any of the funds and I had to drive back to PA for a hearing on the following Monday, July 7. On that day, I thought that the judge would order me to pay PNC and then he would release the remaining $101,000. Instead, he said he was running late for a wedding he was officiating for and he would decide later but continuing the injunction. I was devastated as I wasn't getting any money to pay my other bills. Both through an attorney and pro se, I pleaded for release of the uncontested funds but PNC attorney promptly filed Motion Not to Release Uncontested Funds, saying that I had surreptitiously tried to defraud them and apparently I had no plans to pay them and that I would continue the case long enough to use more than $279,000 once $19.25 per day is added.

This went on for 60 days, judge making no decision, my attorney ineffective and I am getting calls from creditors asking when they can expect payment. So I filed for Chapter 7 in Eastern District of NC, U.S. Bankruptcy Court. The phone is silent now, but my worries for the next 10 years have only just begun. As far as I know, the PNC item remains unsettled, my other creditors have lost and so have I. All because of a courthouse error and a greedy PNC Bank attacking me for something I had no idea could ever occur. So if you borrow from PNC, pay them back as fast as you can and go to First Citizens or anywhere besides PNC. If you deposit with them, make sure you never overdraw your account. They will scam you. No kidding.

In April 2014 PNC was ordered to refund $90 million to depositors whom they scammed when they would have multiple overdrafts at once. This had gone on for five or more years. They posted the smaller checks first, that way they were able to squeeze multiple bad check charges in a single day vs. one or two. Get my drift? PNC, the scammer, accused me, a single woman with now no assets and no credit and no hope for 10 years. Now what if I had a husband, would my cries for help have been more audible? What if I had put money down on a new home in NC? Would PNC and the PA Court have stood by and let me lose my deposit? We'll never know, unless this case is tried and there would be a chance to ask these questions. Thank you for listening and for your prayers.

Long story short - the card will be out this week, the fee removed. Disappointed with PNC's ability to service a lifelong customer is an understatement! They did absolutely nothing, correct their wrongs until we caught them on it. The new debit card would not even be on its way without us calling. They had no intention of notifying us of the glitch, or no intentions of really mailing out a card after the glitch. I think it is time to change banks.

HUH? Went back and forth with CS, but it turns out checks are posted between 12-6am FOR THE PREVIOUS DAY. The customer is cut off at 10pm for making transfers for that day's balance, but the bank can process (literally) the next day and have it charged against the previous day. My direct deposit went in before 6am on Friday and it posted on Friday. The bank clears a check on Friday morning and it's posted as of Thursday.

I left the bank for several years but decided to reopen a new account when they offered a $200 bonus for new accounts. The day I opened the account the bank representative informed me that I could not be considered for this because I had banked with them in the past so it could not be considered a new account. I opened it anyhow. A few days later I deposited my work check (which is also from pnc bank) and a few days after that was informed that my account was overdrawn and that I had several nsf against said account. When I inquired why I was told that it was because it was a new account and that they held my deposited check for 10 days totally contradicting what was previously told to me.

Again, I left but several years after that I went to pnc to be added to my current husband's business account. We explained to Gabe at pnc that the reason I want added was that my husband's health conditions were not all that good and we wanted reassurance that if anything happened to him I want to be joint owner so that I may withdraw upon the account in the event of his death. Gabe gave us papers which we signed and assured us that it was joint ownership only to discover later that it is not. Then they took money that was deposited by me from a check that was in my name only to cover a payment owed by only my husband. If Gabe would have been truthful from the beginning I would not have deposited any of my personal funds into that account. This is a very deceitful bank that tells consumers what they want to hear then conducts their business to benefit the bank and not the public.

I looked at our account summary online, and there is quite a sufficient amount to cover both checks. Interestingly, at least another dozen or so checks written in that same time period have cleared with no issue. I will call the bank again tomorrow, to once again address this problem. Perhaps it is time to find another bank....

Same thing with my new PNC credit card account - opened it with 40,000 points, met the bonus requirement within 1 week, till now, bonus points have not been received. Called twice - 1st time, told me it was on the way. 3 months later, today, it said it did know what happened and need time to look into. I never have such kinds of issue with all other banks and credit card issues. My conclusion is PNC Bank is a cheater and liar. Stay away from PNC forever.

Meanwhile I haven't eaten and had no gas to get to work. Finally I had to ask a friend for a few dollars which he was willing to give me. He gave me money because he is a HUMAN BEING!! PNC took my money and had not one care when I told them I was hungry and needed to get to work. I'm not a bad person and I work hard. I'm a US Army combat veteran, I believe in helping people and I believe in honor. It's sad that there are institutions out there treating a very serious matter so carelessly.

After further checking we came to find out that 13 checks from our deposit were missing! When we tried to talk to the bank manager they were not even a little bit helpful to consider that they might have lost the checks. They wouldn't even look for them. Unfortunately our school is out the $260 and we will definitely be looking for another bank. I use to be a bank auditor so am very organized and detailed and know I didn't lose those checks, but unfortunately cannot prove they lost them. Tip: Make sure you count all your checks as well as total them, and have the teller count the number back to you and do the deposit in front of you.

** then told me that I did not need to do anything else. Normally check cards are cancelled when a dispute is made, but since it is not a fraud situation my card would not be affected. I got the credit back to my account, nothing in the mail to answer questions. Today I go to the grocery store, I go to pay for $297.00 worth of groceries and my card declines. I called the local PNC branch, the woman on the other end looks at my account and says it looks like a magnetic strip problem. She needs to make a phone call about it and will call me back. I have the grocery store manager manually type in my card number, and declined. PNC calls me back and tells me that my card was cancelled due to the disputed charge. I drive over to the bank to get cash. I admit I was yelling when I got there because I then realized that my medication order (mail order pharmacy) is not being paid as well now.

** the branch manager was not there for me to speak to. The woman at the branch made multiple phone calls while I sat in front of her while she looked into my card being canceled issue. She also asked that my medication order be force paid. She was told no. She then proceeded to tell me that a new card needed to be ordered for me. I asked why one was not being sent out automatically, she said that I needed to request it. I told her that I did not know I needed to, since I did not know my current one was cancelled. She told me that I might have it by Saturday. Mind you no mail on Sunday and Federal Holiday Monday. So PNC will cancel a check card without telling you, and they don't bother sending a replacement either. She told me that she would let ** the branch manager know what happened when he comes in tomorrow.

I kept telling her I specifically asked ** this, she said the system automatically does the canceling and that ** must have left that part out. I go back to the grocery store pay cash, come home, call my mail order pharmacy, explain to them what happened to be sure my medication would still ship. I now have to wait for a new check card, that I might have Saturday, then I am going to need to call everyone that has my card on file for payment to give them a new number. I specifically asked ** the branch manager when I did the dispute if this would happen, and I was told no. I will have hours in getting various places updated with new card information, not to mention the hassle of the grocery store.

If I had gone to the store an hour later PNC would have been closed and I would have been left high and dry. I would rather have lost the $21.30 that cleared my account than deal with this hassle. "Sorry, there is nothing we can do" does not work for me. As soon as I get an account elsewhere and my direct deposit gets transferred I will be closing my checking and savings account. Not sure what consequences I will have to deal with yet on any automatic billings I have set up against the card.

Per PNC's recommendations, I was recommended to do a name change on all my other existing bank institutions (first one opened about 16 years ago).....kidding me. Only reason is I moved recently - walking distance from new home. Very disappointed, closing all my 3 accounts today after 2 months of opening it. Very complacent and lethargic attitude from **, never go to this branch in Delray Beach, FL. Katelyn is one good and pleasant employee there but she is very junior in the branch. Final thought --- I follow rules. If the rule was clear then why did they open my account. I was bringing in some bit of money with my direct deposit.... BAIT & SWITCH - greedy **, you bet...

Over 60 days passed and I called - they said they could not "find" my appraisal. So I faxed a copy I had of the appraisal - and they send me a letter saying my account was originally closed because It had late payments - which is totally not true. I was never late on a payment. They could not tell me when this supposed "late payment" happened - so I asked for proof of my late payment and for them to review. I called again and they told me the account was suspended due to the account being in collections in 2008 - which is crazy as I only got the account in 2008 and never even used it in 2008 and again it was never late. They cannot show me anything that my account was late. They never call me back and I am out $475 for an appraisal I paid for at their insistence and they will not re-open my account. What can I do??

This has to be the worst bank in America and customer service isn't a term they're familiar with and to say nothing about the $7000 to $10000 they are just throwing to the wind. Bankers that throw away money that is basically all profit because it was already written off aren't the sort of people I'd want to trust my money matters with and the staffing they hire and train far less qualified than someone at McDonald's flipping burgers. I'm a RE Broker and can guarantee that I'll not do business with them again nor will anyone that asks my opinion. Stupidity needs to be recognized.

The check had been written to CitiCard, and when we received the next statement, even though it was three weeks later, there was a $16,000 credit, so PNC had not corrected that. Then I went to the local branch to get this resolved. The bank manager was rude and would not take responsibility for this whole fiasco. She said it must have been CitiCard's fault. I asked if they looked at the checks before posting them to someone's account, especially if it put someone's account overdrawn by $16,000. She told me that they didn't actually have the check yet when it was posted to my account. Ridiculous! We will not be customers of this bank after this week.

I sent another secure message. Yvonne ** responded this time, stating that I did not have the qualifying online bill payment. What the hell was she talking about???? When I opened my account, ** clearly failed to mention this. I informed Yvonne about the fact that this was never mentioned. I was told by ** that I would get $200 for signing up and having $2000 in direct deposits within 60 days. Period. That's a verbal contract entered into with a representative of PNC. Anyways, Yvonne was no help and I was told that the only person who can make an "exception" is the branch manager, **. I spoke with **, who told me there's no such thing as a $200 bonus. The most they offer is $150. Way to not know your promotions, Ms. Manager! She was friendly though, but told me that she had to speak with ** directly and would contact me the next day. She kept her promise, but told me that ** stated that she did tell me about online billpay.

Of course she said that... cover her own **! So ** would not "make an exception"; however, she did escalate this for me. I was contacted by Lauren ** in Executive Client Relations. She spoke with those involved and then offered to "meet me halfway" and deposited $100 into my account. So... it took multiple weeks to find out where my bonus payout was, I had to deal with way too many people, both branch and corporate personnel, and still got only half of what was promised to me. I will be closing my account today. But I will gladly take the time and tell this story to anyone who'll listen. Do not bank with PNC. **, you owe me $100!!!!

I ended up coming back a third time and finally talked to two loan officers. They had a hard time finding my loan info. Turns out that YES, even though I had updated my address in my account every time I moved, they were seeing my loan at an address that I lived at THREE PLACES AGO and that information was never updated in their systems. This was not something I had access to, but obviously one would think that would be an important part of their internal process to make sure is correct.

So, you guessed it, they had emailed my title two months ago to this old address and now it's lost there as I have no way to contact that place (it was a rent house of a former owner). It probably ended up in the trash. So, I was concerned about what happens if someone has my title? That's got to be an easy way to commit some kind of fraud I would think if the wrong person got a hold of it? Why can't they just keep their internal customer records straight? Such a simple thing but apparently not for this joke of a bank.

Thankfully they "provided" me a release of lien notice a couple weeks later, but now to get a new title for my car should I ever end up selling it or whatever, I have to make a special trip to the BMV now. I wonder how many other people have to do the same thing? If their entire loan system can't track accounts properly between branches and their online banking system this is a huge burden on consumers and I hope there's a class action that rewards all of us involved at least a fee to compensate for our unnecessary visits to the BMV to make up for PNC's lazy and irresponsible business practices that also potentially exposes us to fraud involved with our vehicle titles.

I was told that the check was rejected because the second person on the check was not on the account. We both signed the check and deposited. NO ONE bothered to notify me, if that had been done I would have merely given them my correct address, and as of today, almost 3 weeks later, I still don't have my $4,000 that PNC actually claims they mailed to me. I needed this money to purchase a new home and it is affecting me.

I want someone to contact me, to tell me that everything will be okay and here is your money. They put it off on me and told me to have the payer cancel the check and issue a new one. They put the burden on me without any regret. I threatened to close my account. Once I receive the money I will and make sure that everyone knows of my experience with PNC.

5 days later I called, they NEVER received it & it was inferred that we screwed up, repeated the number & informed PNC that we had a copy that confirmed they received the fax. Now depending on who you spoke to (if you actually got through the electronic HELL), the story changed?!!? Now we are off and running...on the "runaround", rude, arrogant, condescending and supercilious. To date, the matter has NOT been resolved (8/27). EVERYTHING is a we "CAN'T DO THAT". There is more, but no space to complete this complaint.

She slammed papers down on the desk of **. ** didn't explain to ** why she was doing that. ** didn't know where we had left off with the transaction. She tried to have ** not serve me when she was the one in the wrong. She thought that I was going to leave without my money even though she knew that my check had cleared. She refused to continue helping me and did not complete my transactions. Instead, she chose to start helping other customers. All I wanted was my money if they had a problem closing my account. Which they had problems with doing both but they could have been resolved had she finished her job the way she was supposed to do. This situation could have been resolved in a much better way. However, ** became angry because I continued to ask questions about why we were having problems with my transactions.

She was very unprofessional, and claimed that I was ordering her around, when I just asked her to do her job which she didn't do. She just kept arguing! She left all of the work on **, who was extremely professional and worked diligently to complete my transaction. There is nothing wrong with me expressing my complete dissatisfaction with the bank's policies and I addressed that while I was there and explained to her why I wanted to close my account or to withdraw my money. She became unruly, closed the door in my face, after she came out of the office and she refused to continue helping me. She wanted to send me away without my money. She didn't want ** to help me either.

I am filing a complaint with the regulatory commission that handles your bank as well as the CEO. No one like ** should have a job like that if she cannot handle a dissatisfied customer who wants their money or wants to close their account. I know there were issues because of where I opened the account and things were not handled appropriately on their end. So I will be filing a complaint against (Jonesboro) them too. I would fire ** immediately for her actions if she worked for any one of my businesses and her demeanor was extremely poor and terribly wrong. I will not recommend anyone to patronize a bank in any state who doesn't value their customers. I really feel like she is a jealous, bitter, black woman, (by the way, I am black) who doesn't like a customer to speak their mind, or disagree with the way I was being treated. I should be allowed to ask as many questions as I want to make sure I understand what's going on whether she likes that or not. She asked me for information that I shouldn't have had to provide. She wanted me to kiss her behind to finish my transactions.

She had a difficult time explaining things to me, and ** did a much better job doing that without becoming irate. ** is someone who needs to take an Anger Management Course and needs more professional development in that area on how to deal with unsatisfied customers. She had absolutely no reason to behave the way she did! Point blank, period! I'm complaining to the State and also the higher ups.This shouldn't be tolerated by any means on any level. And by the way, she didn't seem to care about whether I was going to come to you. Maybe she doesn't like her job or wants to be fired. I'm hearing from other people that lots of people here in Georgia don't like to work! I'm seeing it more and more here! I don't really think she cares about her job. If she did, do you really think she would behave this way towards a customer? I'll let you answer that!

To make matters worse, I had Netflix setup to auto pay and when they charged my account it added ANOTHER $36 overdraft fee. Well, when my disability came in on the 1st, PNC grabbed "their" money first, which left my other monthly expenses unable to be met.. so even though they got their money, my other bills hit my account and I ended up $4 negative again. During this time I made a trip to the local branch and all the rep there would do was give me the number to customer service. Well, as you can tell from some of the other stories here, that didn't help much.

So again, they added 2 more $36 charges and now they are charging me $7 a day until I pay off a $70 negative balance. I really don't know where I am supposed to get this money. I have been a customer with PNC for about 7 years and haven't really had a lot of problems with them, until now. The transaction that started all this was refunded to my account BEFORE the money actually left my account, but they still charged me $36 (on a $29.95 transaction), then charged me another $36 for my Netflix transaction. I don't know how they can stay in business treating customers this way.

I would never let my account go negative, as I know there are a ton of fees if you do, but this time it is PNC billing that is destroying my credit account. With roughly $800 income a month, how can I afford to pay almost $180 in fees this month, which all started with a transaction I did not authorize but which was refunded. As soon as I can figure out how, I will be switching to a local credit union and dropping PNC. I can't afford their capricious attitude toward MY money. I just don't believe it is legal to drain my disability money just because they are a greedy bank.

I went to speak to the branch and the branch told me that they were not aware of that and they had no idea what I was told by this gentleman Mike. The branch also stated that when cash is deposited, there is NO cut off time that they have been ever aware of because it's available Immediately! The branch also showed me that as of August 11 of 2014 that fee is supposed to reflect into the account not as of today and the branch was also not aware that could actually even take place since today is only August 9 of 2014.

I went ahead and called customer service back and asked to speak to Mike again. He was extremely rude and told me he could not take my word by what the branch had told me because they misinformed me And I was told I should have more common sense since I'm in the legal field. He refused to allow me to speak with someone else and he also said I should enjoy my Saturday and that he is also working so he needed to let me go. He made it seem like I was there just to socialize with him.

What I don't understand is how the payment that was made on August 8, 2014 get returned the same date although the deposit was there on August 8 of 2014 and it reflected my account positive $.56. Furthermore, when I pulled the online banking, it states clearing activities for August 11 of 2014. Also, he stated that the payment that was made was never actually returned however it will be returned as of August 11 of 2014.

When I questioned a representative of PNC bank at their location in Lehighton, Pennsylvania on how these excess withdrawals were allowed to be made, they refused to answer my question, and informed me that if I continued, they would have me arrested. Currently, I have received no answer to my questions of how these withdrawals were authorized above the contractual limits. Additionally, PNC bank refuses to refund to my account the amounts dispensed to the unauthorized party which were in excess of the daily cash limits specified in the agreement creating this account.

After 2 months of this going around, they decided I needed to send an original death certificate. I did. 2 months later, they said they lost it or couldn't find it. So I sent another. These are $24 bucks each. I was suppose to hear from someone within 48 hours each time and never did. Next call I was transferred to legal. They had no clue how to close the account. But they said there should be a way. (Think they hire the wrong attorneys?) I had to explain them about the law, and how to do it. They said it would be done in a couple weeks.

Ok, these calls have been going on for over a year. Now I have the Affidavit from the courts showing I am the surviving spouse. I have the death certificate. I send both to them. 4 weeks later we are still waiting on if this will be enough to close the account. I was told they might have to send the check to the witness who signed the affidavit! Really? Send the check to someone who just witnessed something? How stupid can a bank get?

Our local banks only required a look at the death certificate. Only took 5 min of my time. I am working on getting the money out of her account for 1.5 years just to give it to her son. It has already cost me more than what the account is worth just to close it. To top it off, they are charging a $7 fee each month because they changed the type of account it is. This is how they treat the dead and a disabled child. Unbelievable.

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.