PNC Bank Reviews

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

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

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

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

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

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

Original Review: March 13, 2013

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PNC claimed they called us. They had 2 cell numbers as well as our home's; they never called either one. **, their manager of the Dove Run Branch in Middletown, DE, said that was our responsibility. That was their negligence. They filed an insurance claim for their loss and collected, and we still were out of our money. It was stolen twice once from the perpetrator and once from our trusted financial institution of 30 plus years. What is our position. All we want is what was stolen from us and the interest we would have had.

Fine! I go to the branch in person. The person at the door told me, "We are closing in a few minutes and my manager is busy. It is better if you return tomorrow." I am thinking, **! What type of customer service is this? Fine! I came back the next day. I sat with a lady, explained the problem and I told her that I see the amounts taken 3 times. I saw it on my account activities on the website. She asked me to log into my account on her computer, so I did. She showed me a calendar view of my account and I don't understand that view so I asked her to show me my statement as a list date by date like a normal statement and she said, “You have the virtual wallet account,” that account you cannot see the activity listed on a list. I said, "Yes, I can" and she replies, "I don't have virtual wallet so I don't know how to use this." I had to show her how to view it.

Anyway, apparently, she solved my problem. Next month came recurrent payment was taken twice. Several calls to customer service did not work. No help. I even cried over the phone to this people because I am not a rich person and I do need this money. I made sure there were no recurrent payments for this person on my account. Next month came and again 2 payments were taken. I went to the branch again. A man supposedly fixed this told me I was going to be refunded. Oh surprise, the next day, I was refunded of one payment. Not! 1 day later, they undid the refund for no apparent reason.

That's it. I am sick of this stupid bank. Today, I went to make a payment in person, branch opens 9am but they opened 9:15am. I made a payment of $5,000 to my credit card. Its 3 hours later, I called the 1800#. Rep states that they don't know if I made a payment or not. They cannot track it at this time at all and it will take several days! All the transfers take many days. I hate this bank! I have closed my checking with them and soon I will stop using their credit card too.

One other thing, the bank account was opened by my daughter and consigned by my husband. We were present when she closed it as well, one solid year ago. Yet, PNC relayed all the information on this $145 recent overdraft amount. We won't be paying it, because we don't owe it. When we close an account, we close an account and it is not cool for a bank to do this to their former customers! Termination of business is termination of business!

I understand that I am responsible for one of the charges because I made a mistake when I deposited money and was short $8.87. All of the other items should have been paid without charges and a supervisor cannot explain to me why they weren't. This is not the first time this has happened and the only explanation the supervisor gave when I stated this was bad business practice and fraud was that this "was disclosed". My account should be overdrawn $8.87 plus one overdraft charge of $36, but because of the scam practices, it is overdrawn $224.87. When asked to close the account, they stated that they cannot close the account because of a negative balance and the account will be charged an additional $98 ($7/day for 14 days) continuous overdraft charges.

Their other bill collector, Elizabeth ** said, "We don't do fraud," which is equally false. When I told her I planned to initiate regulatory and legal actions, she laughed and said, "Over $200?" Obviously, they've done the cost-benefit analysis and this is part of their business model. I've filed a claim with the Consumer Financial Protection Bureau, which is what anybody should do when this happens and hope that a class-action attorney will also pick up the case. PNC is routinely ignoring CARD Act overdraft laws. Besides the statements showing exactly what happened, I also forced the local bank assistant manager to hand write the account opted-out of overdraft protection because (surprise) they have no way to print the screen and he refused to let me take a photo of it. He was flustered and sweaty after he took my $233.81 payment to take me out of the Chex system (yes, they sent the account to Chex for fabricated fees). He had obviously been on the phone with somebody and realized what they'd done.

Like I said, I already filed a complaint with the CFPB but any lawyer that wants this as a class action, feel free to email me and I'll call you back; happy to be a named plaintiff. I also live in FL which is a loser-pays state, which is great because at $5K per violation, there should be lots and lots and lots of fees for PNC to pay.

I contacted PNC Bank and to close my mother's account but they have delayed and stalled citing many different reasons. They deemed my sister was an equal executor of the checking account by virtue of her taking care of my mother. They asked for my sister's estate executor to send them legal, notarized proof, proof of his position, which he did. They now want further documentation of his position to close out the checking account. This is in addition to requesting (one at a time) other documentation which I have given them. The actual checking account reads in the name of me and my mother. I have been writing checks on the account for over 10 years.

The amount in the account is under $4,000, so it's not a big deal financially. But I truly believe they want to frustrate us to the point where we just "give it up" so they can steal the funds.

The bank will not give me an e-mail or fax number to communicate. Everything is through the call in, press a button and wait system. Sometimes I get an "assistant" that of course knows nothing about the situation, so I have to go through the whole thing to get to the point we were last at.

I will submit the names of the contacts if that is appropriate.

To make matters worse, I couldn't even cash the check that was written on a PNC account, since I didn't have 2 acceptable IDs nor could I sign the check over to an account holder for them to cash it. I was up the proverbial creek without a paddle. I finally had a little money, needed a few things, and no way to get at my money. I was so frustrated and very angry.

I made some calls to other banks and found out that only one ID was required. I went to one of these banks and opened an account and even had access to a little of the money so I could get the things I needed. In these hard economic times, not all of us have extra money or even just money at all and have to make doe. Not all of us have the resources to have some forms of ID. Do not degrade us more than we already feel degraded by circumstances. I was very distraught after this experience and feel there must be a way to accept other forms of ID.

Sorry, but that’s not even close to investigation. I had sent money to HSBC Bank in Canada but they keep sending recall to Royal Bank in Canada. And what Royal Bank is doing is not sending recalls to HSBC Bank. Royal bank is the one who is not sending recalls to HSBC so that HSBC can contact the beneficiary for authorization. Because I am talking to beneficiary Tina at Tatro Trucks, she and HSBC assured me that they haven't received one recall yet. And they can’t send me the money till they don't get recall. And I asked PNC investigation department why they don't call Royal Bank and ask what is the hold up. They answered me; they don't call they will send another recall. I am sorry, but that’s not investigation. After 3 weeks you should pickup the phone and call.

This economy is too bad for this behavior and if they are not able to treat people right, they should go back to using prepaid services like before. It makes me wonder if they wanted the option to go in to accounts to do wrong in the first place, this has caused me not only to have no advertising up, also no money for advertising seeing that they took my whole budget for advertising in one swoop and have not tried to make this right. No money returned no ad and no calls at some point in time. They need to realize later for an email. It’s time for a conversation and stop hiding behind technology when this is my money and my account. They had no authority to take more than $10. I left a phone number and not even as much as a phone call has given to me. I just want my money returned to my account and an acknowledgement for what was wronged and my ad up or just refund me all my money. I will find other advertising as for now I cannot even pay for more budget that is not allowed for it.

Further, the statement is only two pages and appears to include no check images, which is the whole point of the statement for me. When I filled out "contact us" online, an email response said they could not do anything which requires accessing the information in my account. I am not asking for that. I want/need tech support for both the printing and the ability to print online the same bank statement that they would mail for a $3 fee per month per account. Otherwise, unless the printed statement is the same, PNC is not really providing an online equivalent for "free".

I went to another bank and opened an account, and they accepted the check. I was so upset I had to go through so much trouble because of this bank and that I was treated so poorly.

I called their customer service, and they explained that the "guidelines" that I was not following was putting a notice below my signature, saying it was for mobile deposit only. I apologized and asked to have the service re-instated. She stated that was not possible ever. I was in shock. I asked her why they did not tell me exactly what I was doing wrong. She felt bad, but their rules state it must be terminated forever. That does not seem right. Make them re-instate my mobile deposit service.

In the process of all this, our account is incurring fees due to the check not being credited. We called the bank after one week to tell them we had not received the check in the mail. We were told they had sent it and it would take 10 days. After 3 weeks, I called again to inquire about the check. I was told they mailed it and there was nothing they could do, that it was not their problem because they mailed the check on the 28th of December. Then, they started posting pending payments to the account a day early causing the account to again go into overdraft.

A payment that was supposed to be automatically paid on the 6th of Jan. did not come out until the 10th of Jan. again causing multiple overdraft fees. I think what these people are doing is criminal. I hope there are enough people who are willing to speak out. Maybe someone will listen to us and help us get some type of resolution in this matter. Basically, they withheld the check so all of our charges would go unpaid and incur fees. We still don't have the check to this day. I don't think we will ever see this "unpresentable check".

Apparently, I only had 2 dollars in my account and couldn't cover the $7 card fee. Card fee? Card that I never received? They couldn't get a hold of me because my phone was disconnected. What number were you dialing? The wrong one? Every digit correct except one. Data entry error? You bet. Never sent any info in the mail except the total bill. The branch can't do anything for me. Customer service couldn't do anything for me because (to top it off) there is no record of my initial conversation with the rep who ordered the card for me. But I would have to personally request a card to be charged a fee right? Now there's a 70.00 bill that has been reported to the credit bureau. Hopefully, customer satisfaction can help me! The nice representative said she is going to help me keep the account open. I'm scared to reopen it!

A customer representative hangs up on a client. I was actually being calm with her. My initial problems started with them when I was charged $576 in NSF fees for fraudulent activity on my account. They thought they were being kind to me by refunding me $288 even though they took the blame for the fraudulent transactions.

To anyone who is looking to open an account at PNC Bank, look elsewhere and save yourself the frustration.

A few weeks later, I called PNC again and requested the account be closed and if any transactions dated after that call came through to return them to the payee as 'un-payable' because the PNC account had been closed. I then transferred the money from the PNC bank to my new OBX Monarch Bank account because I believed all business with PNC had ended.

Instead PNC continued to accept transactions dated after I notified them to close the account and removed my money. These unauthorized transactions cost me $192 in overage charges. I once again called PNC to close the account and was told the bank was not to blame and I had to pay the charges before they would close the account. I sent PNC the remaining $142 in fees on 12-31-2011 using registered mail.

I again instructed them to close the account and not accept any further transactions. I also advised them that I would not pay any additional fees and I was reporting them to the Consumer Affairs Bureau. I believe their overt business practice of refusing to close accounts to be an attempt to continue to collect huge banking fees from their customers. I also believe this business practice is unethical and despicable.

At the time, I thought that the $3 charge to get convenience checks was an unusually high charge, especially since I have gotten them before at this bank for no cost and I can go to another bank right down the street and get them for no cost. I told that personal banker that I could not believe I was being charged this exorbitant fee. I asked for my checking account balance and told the personal banker that I would use the checks to transfer funds to another bank and close my account. My account balance was $5317.79.

The personal banker decided to help me at that point. She said that she was able to close my account at that time. I chose cash payment to close out my account (to forego the $5/money order charge, or $10/cashier’s check charge). The personal banker returned with: the customer copy of my debit form for $5314.79; $5314.79 in cash, closing my account; and 2 convenience checks from my now closed account.

So this is customer service at the Naperville Blvd., Naperville, Illinois PNC branch. The teller sold me 2 checks for $1.50/unit for an account that was closed. I had been a bank customer since 2003 and only became more and more incensed about the initial charge and then the blatant disregard for me or my finances and total lack of caring for the customer and servicing of the customer by proceeding to charge me for 2 unusable checks. Once the personal banker returned, I requested a receipt for the 2 unusable checks and she was nice enough to give me a receipt. Perhaps she believes this is good customer service.

So now, why does it take two to three days for the money to be credited to my account? This is where I interject that I have already verified the deposit source and they were able to provide proof of exactly when they transferred the funds to my account. Yet for two to four days, PNC said "no money here". I sent PNC a complaint about being a longtime customer like this and being treated like this, it takes even longer.

How can a bank just set and play with someone's money like this especially when they have proof that the money was transferred to the account? On top of which, I have noticed that because PNC does not have branches where we currently live, I am forced to use an outside teller and all I have to say about that is you know it's pretty bad when my own bank of 14 years charges me more to use an outside teller than the bank that owns the outside that I don't even have an account with.

I do use the account often at all, but my wife does. I went to use my PNC bank card a couple of days ago. I checked the balance and saw it was negative $171.35. I didn't use the card, used cash, and went home to look over the bank statements. There is over a year’s worth of multiple overdraft fees and daily overdraft fees, totaling quite a lot. I deposited $200 cash into the account Friday evening. I checked the account balance Saturday morning. It is showing still in negative by $71.35. I called my local PNC branch and asked why. I was told that only the first $100 of any deposit, no matter the amount, is counted until noon of the next business day, in this case Monday. All the while, I am being charged the $7 daily overdraft fee, even though the cash money is in there.

The day I deposited the $200 cash, I was in a local PNC branch, in person, trying to settle prior matters, but was overall dismissed. I had printed out statements of my accounts, where I was charged overdraft fees when I had money in my account. I showed them to the manager and told her to add them up. The only response was, "We don't add things up personally, our computer system does it for us." I replied, “If your computer system worked, I wouldn't be in here.” She kept dismissing, saying she had other customers to help. The only other customer was a lady sitting near us, who spoke up and said, "I am in no rush. I am here to close my account because I am also tired of you taking my money for no reason." I could go on with plenty more, but not.

We probably won't be able to purchase the home that we want, because the sellers need our funds to go to their new home, and they'll find someone else in no time. So, our Mexican attorney has an account in Miami, and we asked if they could wire his part of the closing costs to his account, and then the purchase price directly to the sellers in their Texas account. You got it, they have to check on that one, too. I'm thinking they won't even do that for us, and, it's my money! If I asked them to wire it to the Mafia in Chicago, they'd have no problems there. PNC truly sucks!

Suggestion: Please have the underwriter read the tax document on day 1! After all that, I asked the account representative about my original request on how do I get PMI off my account and he said it is not associated with the value of the home but the amount that you borrowed. So if someone refinances, do you make them pay 20% down and if not, then do they then start to pay PMI? How is it not the value of the home?

The money that the check represents is not the bank’s money. It is the person's who wrote the check to me. The bank charges that person for the service of keeping their money and paying it out on their behest. Again, I ask, what was the $10.00 for? If they would not pay me unless I gave them a cut, then isn’t that extortion? If they take a cut because they simply feel like it with no gain to me, isn’t that theft? If they are being paid to pay the amounts on the checks (and they are by the account holder) and fail to do so, are they not ripping off the account holder, as well as acting fraudulently? If they will only cash it without a charge if I open an account with them, isn’t that an act of coercion?

Where does the $10.00 fee come from? And what is the benefit to the person cashing the check in, that the bank has already agreed to pay out the amounts written on the check to the account holder and charged them for it? Would it be legal for Fedex, UPS, or DHL to open up and take a piece of every package that they have been paid to deliver or charge the recipient a hand it over fee when it arrives already fully paid for in advance? What is to stop PNC, and every other bank that we bailed out, from charging $20.00, $50.00, $1000.00 to cash a check? Why are these giants so inclined to crush the little people? Why is the government stepping in to bail them out with our money, but not requiring them to return the favor? It was only $10.00. But the ethics or absolute disregard for ethical treatment of another human being, behind the strong arm tactics of getting a cut are repulsive and to me, pathetic.

I asked that PNC look up the confirmation number, and verify that I made the payment. PNC never followed up with this request, and subsequently I made another payment for 10/2011. I then received a letter from PNC that my account was past due and my credit privileges were terminated with PNC. That does not bother me, however I do not want a negative reflection on my credit, because their system did not record my payment.

Again, I have never missed a payment and I believe the error was in their system, because I did receive a confirmation number. They did not carry out due diligence in checking my confirmation number, and now, they want to penalize me due to their error. I have had problems with PNC when trying to refinance my current home, and they have not wanted to subjugate to my primary lender. Ultimately I have not been able to convert from a variable loan rate, to a fixed rate.

Now, I had a direct deposit. I never knew that PNC Bank gave the State Farm my new account number and that they were taking the money out of my account until the month of October. I brought it up to one of the Financial Sales Consultant. She told me that we could do a claim against State Farm Auto Insurance and see what happens. The PNC Bank sent me a letter saying that there was nothing wrong with my account but the money was taken out of my account without my consent. The same thing was going on with the bank check card I reported. My bank card was lost and they sent me a new one but they are still taking money out of my account using my old check card number. I believe that there's a glitch in their system and they need to fix it soon. I'm pretty sure that I'm not the only person going thru this problem. The thing is that the PNC Bank doesn't want to fix it.

I did that the following week (about three days before the deadline they gave me). The bank manager I spoke to said that he needed proof that I had closed the account. He said the woman that closed it should have given me something saying it was closed. She did not. I told him that and he said she probably didn't close it then. I told him that she specifically asked me why I was closing it so I knew she that was the intention. He then directed me to somebody else. She looked into it and said that it had been closed but was "re-opened" because of the banks fees. She said that commonly happens. She said I should have asked to have my overdraft protection closed at the same time as the rest of the account.

This made no sense to me and I asked her if that meant that I could use the overdraft funds when the account was closed. She said "no". However, it isn't the banks responsibility to close the overdraft protection on an account just because it can't be used anymore. Huh? So, after going around and around on this, the end result is that they really don't care. They could clearly see that the problem was with their fees, but their only response was that I couldn't prove that I had closed the account and not just withdrawn all my money.

I ended up paying over $100 in bank fees just to finally get the account closed. The only positive thing was that I was able to get a few other people and businesses away from PNC.

I followed up three days later and found that, the bank returned those checks which had cleared and then replaced the payment with checks which came in a few days later. This caused the original checks, which had already cleared, to be returned and I was charged several fees.

This is becoming a pattern. I know that I have a lot of accountability as well and I am working on this, but something is not right. I have attempted to have this matter explained and have not been assisted.

I realize that I have some problems with this account, but PNC has taken thousands of dollars from me this year alone and I am really overwhelmed with this. I was told clearly by Michael on October 21 that two checks, one for $100 and another for $67, were cashed and all was okay. I later found out that these were pulled out and returned and the "bank" decided to pay something completely different. This does not seem right. As a result, my check of $100 returned resulting in fees. I have numerous similar issues with PNC. Can somebody help me?

In the meantime, the account accumulated numerous amounts of fees. I went into the branch on several different occasions to find out when the fees would be removed and the account would be closed. Each time I was told the account cannot be closed until the dispute is closed, but once that was done it would be taken care of. Two months passed, I came into the branch because I saw that the account no longer showed up online under my profile. I was told the account was finally closed due to the dispute being closed. Two days later, $169 was taken from my account by PNC. I immediately called PNC and was told it was from the account in dispute being charged off with the $169 in fees.

I went to the branch the following day and was told no one there could help me. After explaining to the teller that I cannot come back and needed to speak with someone, David was sent out to talk to me. He said he agreed with what I said and the account should have been adjusted and then closed, and I also should have been notified of everything. He said he could not do anything and would have to speak with the branch manager, Behdis **. I told him she is aware of the situation and was suppose to be the one to clear and close the account. I got a call back the following day from David saying he spoke with Behdis and she said there is nothing that needs to be done and that is all the information he has for me.

Probate court issued "Letters of Administration" and "Notice of Administration" which I faxed to them on 9/15/2011. I called today, 9/19/2011, and I was told that they did not receive them. I have the 9/15/2011 fax dated receipt that they did receive it. When I told them and offered to fax them the dated copies, they said legal wanted me to send them the original letter from Probate. When I said Probate court only issues one copy and every other company I am dealing with accepted a faxed copy, they hung up.

I'm afraid that if I send them the original Probate letter, they will either lose it or say that they never received it, forcing me back to Probate court. This account has $1,939.47 in it. Additionally, PNC bank has not sent a statement since March 2011. I feel that PNC bank is using this money and not paying interest on it for their benefit and not giving me anything but run around and excuses.

The underlying theme is the fact that many banks and annuity companies, AARP/NY LIfe also does this; tries not to have beneficiaries listed so they can hold your money from the estate for as long as possible. This is elderly abuse by design.

This never happened before. If they do not want to cash my check, why do they send it to me? I do not want it in my CD account. If I did, I would have set it up that way.

If this happens again, I am going to take the CD out at maturity and go to another bank. They do not seem to know what they are doing over there. I finally got the check cashed there, but what a difficult time it was for me.

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

Finally, to really tick me the heck off, they then refused to cash the check because my signature on my photo ID didn't match how I signed the check because I have had nerve damage and cannot sign my name the way I used to. ** cops said I should get a new signature card for my license which is to expire in a tad over 5 weeks. Last time I checked, legal documents can be signed by those unable to write using "X" and since my photo was there on my license, why does the signature on my license have to match how I signed my name to anything? Funny too, when I pointed out to officers Krupke and Toody the fact that I can get on a plane with a driver's license only and go in to a gun shop and buy a firearm with the same documentation, the ** cop just said "well, you have to pass the instant background check".

This 18-month modification resulted in a monthly payment of $275 and was expected to enable us to meet both unexpected and planned financial obligations arising from the death of a parent, escalating home insurance cost, and sending our first child off to college.

During the 18-month modification period that ended on June 19, 2011, PNC BANK undertook several despicable acts that included a relentless pursuit of harassment, intentional misrepresentation of the facts, stealing, pilfering, and increasing the HELOC outstanding balance by adding bogus finance charges and late fees for several months. The following are some of the specific acts:

10. President and CEO James Rohr failing to act and respond when he was personally informed of these egregious acts in two letters sent to him via certified mail.

Had we not been vigilant, as we were, throughout this so-called modification period, PNC would have succeeded in adding more than $8,000 to our HELOC balance during the modification period. Naturally, this would have rendered us worse off than before.

In this challenging environment, like so many Americans, we have struggled to meet our financial obligations. As a black family hit hardest by the current recession, there are fewer things more satisfying and gratifying to us than the ability to pay our bills on time and maintaining an excellent credit score.

So far, we have substantiated each egregious act in the mountain of evidence provided to the Office of the Comptroller of the Currency (OCC) in a complaint (case **) filed in August 2010. We are not only waiting for PNC to return all the money stolen from us--the late fees, the overdraft fees, and purchases added to our account--we are also awaiting the OCCs report/finding in response to the complaint filed over a year ago.

I emailed and called every number I could find. And I'm sure you can image how many times I was transferred to "another department," put on hold and then transferred again. It took many long and aggravating hours, but I finally got it straightened out, or so I thought, because the very next month the same thing happened.

They were still charging me fees for the mistakes they made! I had to go and resolve something that should have never happened, again. They apologized so I let it go. But guess what I saw in my statement today? Yes, another payment to a PNC credit card. My card isn't even activated so how can I get a bill? I chatted with a customer representative and he confirmed that it is going to pay a PNC credit card.

He (the representative) told me to call their credit card department. Just like the last time, I was already being passed on to another department. I asked to speak to a supervisor and he said there wasn't one in. I just can't take it. I don't have a ton of money, but that doesn't give them permission to jerk me around. Where is their security? Are they allowed to operate a financial institution like this?

I called in for my account balance only to show my deposit was not pending, I then had the line transferred to customer service but they could not see the deposit was made. I was furious and they offered to file a dispute for a missing check, but then told me it will be much quicker to visit the branch.

I went home to find my receipt before heading to the branch. I was very disappointed on how the situation was handled. When I walked in, the teller who helped me the evening before, had walked out as soon as I came in, as if she knew why I was coming and wanted to avoid confrontation. I was helped by someone else who was telling me that even though my deposit was not showing as pending it would show up on Monday. I asked her why I was unable to see the transaction as pending and that I have never had this problem before, she said "the other tellers had put it in as a courtesy."

I asked her, "if I have a problem, I'm to come the branch each time? Not even the customer service representative over the phone was able to tell me she saw the transaction.” She replied by stating, "All you have to do is ask them to call the Silver Spring branch." I then said, "I wouldn't have thought of that, If the consultant over the phone is telling me I should file a claim for a missing check of course I would be frantic."

The consultant at the branch was responding to my questions in frustration and was annoyed when I asked her to check their system. I had a bad attitude, but her attitude reflecting on mine does not make the situation better. She was not at all comforting, but if she was in my situation she would be just as frustrated.

I was charged four "insufficient funds" fees totaling $144. When I called PNC, the customer service representative did her very best to help me. She was excellent. (Though PNC's solution to prevent this in the future was to sign me up for a high interest credit card to cover these damages). She checked with the branch manager and they were able to reimburse me $72.

I am just tired of PNC treating me as a number and not as a person. Perhaps I am an idealist. But if someone with authority would have looked at my account, they would have seen that this was an honest mistake and would have reimbursed me the $144. Shame on them.

But it was a lie. The fee was taken out right away. No big deal but I would have rather known that upfront.

A few more days went by and I issued Sallie Mae another check to replace the previous one with a double payment to cover the previous check plus late fees and the current months payment and sent it off to them August 12. I got a notice on August 15, Monday, that the original check is pending in my account so I called my bank and asked why. I found out that the person who entered in the stop payment entered in the wrong amount for the stop payment but sad for me not to worry, it won't go through because it is the right check number.

I then checked today, the 16th, and the check was cashed. I called them at 9 a.m. when the branch opens and Beverly said she will call me back to see what they can do. I got no call back so after lunch, I called back and spoke to Allison. She was rude to me and told me there is nothing they can do. They will refund me the money for the stop payment fee and for me to deal with Sallie Mae to get my money back and/or to file a dispute for the check. I asked how long it will take to get my money back because I have check current out in the mail due to be processed and if they get deposited I will incur bounce fees. She told me they can't do anything about that and said, and I quote, "What more would you like me to do sir?" in a real snide attitude.

It is not my fault the the person entered the stop payment information wrong. For her to have an attitude like that when I have been with them for over 14 years is unacceptable and I am switching banks ASAP.

I told her what I wanted is just a notarization of a simple affidavit to attest that I am the person signing it. My understanding of a notary service is to know the nature of the document and witness that I am the signee. The officer is not supposed to read the document and demand a special format. Just in the last five weeks, I had two notary services provided to me by PNC (one in Baltimore and another in Damscus/MD) without being requested to do it on a special format.

When the assistant manager refused to notarize the letter, I demanded to see the manager who came and told me the same thing. When I told him that I had similar service provided to me by other PNC branches and what was special about the Ballston/Arlington branch, his response was that the other two could have done this out of courtesy. Does this mean this branch is not courteous to its valued customers? Since I did not have the time to waste, I walked few meters to UPS/Fedex office and got the simple letter signed and notarized without a hassle for just $5.

I am disappointed with the way these two officers responded to my simple and straightforward request. I am not sure why the double standard or lack of consistent policy/guideline in this respect within the PNC family. Such lack of consistency and unsatisfactory response by senior officers of the said bank branch may lead one to reconsider doing business at PNC.

This pesky process has been going on for two years now, and I even talked to their supervisors hoping to put the end to receiving their harassing phone calls. Later on the same day, I received the same call again and the next day....

If PNC Bank is this incompetent in getting their loans paid, they deserve the defaulting of loans. I've been trying to help them since last year, but they just cannot get it straight, or have the brain to fix the ongoing problem.

On Friday June 3, 2011 I saw the $2,500 clear into my PNC checking account. Before I contacted the attorney I was working for, I called PNC around 10:30 AM to verify that the money clearing in my account meant that the check was cleared. The representative explained to me that it only takes 48-72 hours for the check to clear and the funds were clear and everything looked good. So I called the attorney and let him know the check had cleared and I was ready for him to send the supply list for the orphanage.

He replied and let me know that he had talked to the President of the orphanage and they would rather have a money donation to be able to use the money where needed. He then emailed me instructions on how to send the money and where to send it. He told me he wanted the donation to be for $1,850 and to use the rest of the money as my weekly pay. I then went to the closest Western Union in Publix of Oslo Road in Vero Beach and completed the money transfer for a total of $2,011. This amount was too much to purchase using my debit card so Publix then had to call PNC and have them verify the amount and transaction for it to go through. After about an hour, the transaction finally went through and I contacted the attorney and let him know the transaction details.

The following day, June 4, 2011, I received a notification that my checking account was over drafted over $2000. I later discovered the check was fraudulent and the attorney I was in contact with was no longer reachable. I immediately filed a police report and filed a dispute with the bank. I then spoke to the representative, Jessica ** at the PNC bank where I opened my account, which is the Vero Beach branch, with all the evidence supporting that I was scammed. I had all the emails, the envelope enclosing the check, the name and phone numbers of the person I was talking too, the police report, and a photo of the fraudulent check. Everyone in the branch was unsympathetic to my situation and pretty much made me feel like I should have known better. After three weeks, PNC denied my fraudulent claim and has now held me responsible for the money that was sent out. After this happened, all the moneys in my accounts at PNC were frozen and unable for me to touch. My bills during this time were all past due and unable to be paid because PNC applied all the money I had left to be applied to this negative account. I tried to have the bank manager help me to contact someone over the phone that could help me in my situation and at least work with me. No one wanted to hear my side of the story and just wanted me to pay the bank back.

I feel that PNC is negligent in my situation because they had cleared the money to my account without the check being cleared. I feel like there was nothing I could have done to prevent this from happening because I was vulnerable and desperate for work and was even cautious with this money transfer. I feel that PNC needs to take responsibility for clearing and approving something that was in their complete control. If I hadn’t called and made sure that the check was cleared, and if they would have told me that the check wouldn’t be cleared for another week then I would have never made the transaction.

I have discussed my claim with my other bank, JP Morgan Chase, and they informed me that no other bank in this country would have made the mistake PNC did by clearing the funds of an out of state check without verifying that the check was good. I have had no luck in finding justice against this bank. To this day I am still fighting with PNC to resolve this. They have now put my name in Check Systems as a fraudulent check holder and I am unable to obtain a checking account anywhere in the United States. This over drafted account at PNC is not because of my irresponsibility, it is theirs. PNC has made it impossible for me to get on my feet again because they froze money in the checking accounts I had at their bank and has now caused my other accounts at other banks close my checking accounts as well.

I would like to get back the $491.48 that PNC took out of my other checking account I had at with them, I would also like PNC to clear the $2,011 transaction that they approved for even it is fraudulent. I also want them to clear my name off Check Systems. Lastly, I want PNC to compensate for all the trouble they have caused my life and finances. I know I have a case and all the evidence to prove that I am a victim and that PNC is responsible for their negligence. I know there is someone out there that can help me in this horrible situation. My life has been nothing but utter chaos and stressful for the past two months. If you are unable to help me with this I would appreciate any advice or information on anyone you know that can help.

I live check by check, and this is causing a family problem. My wife is feeling despaired and she cannot sleep. My biweekly direct deposit from work is frozen, and I have to replace the money in the bank. This has happened at a critical time that we are moving house. We need to give $2400 one month down payment and security deposit. Can somebody help me?

I understand that there are security rules in place where a card can be shredded if left in the machine too long, but I was sitting there and the machine did not give me the opportunity to retrieve my. It just began shredding the card. Why shred a person's credit card without their permission?! Obviously, if we are using the wrong card for a deposit, the machine should give the card back and even if it was to keep the card, do not shred the card! Return the card back to the owner.

This incident has caused much inconvenience. I've had to contact my bank to get issued a new card through express mail, which is a cost to me. And then to top it off to have cashiers say to me, "Well I can show you the shredded card", was just rude and of no help to me at all! I'm thoroughly upset with this process as it has caused me not to have a card to be able to pay certain bills that I needed to pay as well as an additional cost for me to get another card. This process needs to be dealt with! Also I will be looking for another bank with which to do my business.

So I had to call PNC's customer service. Which also gave me the run around. Customer service said that they apologize and verification was still in progress. I said that is not true because I called the other bank Wood Forest Bank in Alabama to ensure PNC did a verification and they said they did not receive anything from PNC. PNC said that my funds would have to stay on hold until this make believe verification took place. I explained to her that all PNC had to do was run the paper check through the scanner so that the bank in Alabama could see it and verify it and her response was "I'm just customer service." These are ineffective idiots completely. They have absolutely no follow through. No one knows who is doing the verification or why it's taking so long to release my funds.

There have been many times when according to a day's print-out, I can see all of the withdrawals that have come in, and in what order they've been paid. The next day's print-out will have the withdrawal order rearranged such that it now indicates an overdraft situation that would not have occurred if the withdrawals were left in the order that they were originally. The one time I went in and had two overdraft fees, incorrectly withdrawn, in the amount of $36.00 each. They told me that the next day they would be removed from my account. The next day when I checked, they had only deleted one and the other was still there.

I had to get an attorney today to help me fight this mishap so that my credit isn't destroyed. I have had an automatic withdrawal on the 10th of every month for auto insurance, in the same dollar amount, for over two years. I know exactly when it is being withdrawn and the exact amount. I purchased a different car on June 1 and when I advised my auto insurance company that my payment for my old car was going to be taken out on June 10, I was told by the insurance agent that it was too close to the June 10 withdrawal to effect the dollar amount but that it would be taken out in July and I would receive notification in the mail as to the new amount prior to July 10. I did not receive any information in the mail from my insurance company as to the amount of the new policy or the amount that would be automatically withdrawn from my account.

Much to my dismay, when I pulled up my online bank statement on June 13 to check my balance, I was astonished to see that my balance was -247.76! Without my knowledge or permission, the bank allowed the insurance company to deduct $153.73. This in turn, plus the way they altered the order in which other debts had been withdrawn, resulted in a negative balance and they charged me three overdraft fees of $36.00 each. If I had known that this was going to take place ahead of time, I could have transferred money from my PNC Savings Account into my PNC checking account to avoid any negative balances and overdraft fees.

The next day, June 14, no new debts or withdrawals had come in on my account but now, they withdrew two additional overdraft fees of $36.00 each - for a total of five overdraft fees totaling -$180.00. I could easily have just deposited the dollar amount they say I owe, in hopes to stop the illegal overdraft fees from continuing, but I knew if I did, I would never get the money back.

Again, today, June 15, another NSF/OD charge of $36.00, now making a total of $216.00 in illegal overdraft fees and a negative balance that they expect me to pay in the amount of -$304.78! Although, I know that closing out a bank account in this day and age shows up very negatively on a credit report, I am at the point where I really don't care. I'm anxious to work with this attorney to see if anything can be done to avoid other PNC members from having to experience what I have been going through. Whatever happened to Customer Service and Customer Loyalty!

I have direct debits that are due to come out and they will be sent back. I am going to be charged fees when they all get returned. I never gave permission for him to close my account. I am not rich and therefore he couldn’t care less. I have the proof that I should not have been charged the fee! This isn't the first time they charged me fees that I feel were wrongfully charged for! I feel like I was robbed and then kicked in the face! I work for the IRS and would never treat a taxpayer the way they treated me! Please help me bring some justice for all the people like myself that cannot afford to let PNC rob them anymore!

When I checked my email the next morning, I immediately checked my account, but it stated that I would have had approximately 2 dollars credit in my account had the overdraft fee been deducted. I had a posted balance of 35.91 and a pending charge of 33.45. I called about this trying to find the reason behind this overdraft fee. They told me that a charge (this is possibly an automatic charge from a membership program) had appeared at 3 AM but had temporarily disappeared. They said that since it had temporarily posted that I was responsible for all charges including those pending.

I myself, have never had the chance to see the charge that is supposed to have overdrawn my account. In addition, the email provided no information other than the fact that my account had been overdrawn. They outright refused to refund my charge since I had recently had a refund to my account. In addition, I deposited sufficient money as soon as I could get to the bank to cover the supposed charge (that caused my overdraft), my overdraft fee, and a slight surplus as a backup. Am I still honestly legally responsible to pay a fee for which I have never had access to visible proof?

Recently in March , 2011 we called to verify our Credit line available balance. We were told it was now restricted. After many phone calls, we were told by an loan officer that in Oct, 2010, our payment was 7 days late, and to send a fax to Jessica ** to request a reinstatement of my account. After many calls and no return calls, we called the loan officer again and she stated to send a fax again to two different fax numbers. Once again, Jessica ** refused to take our calls and return our phone messages.

Today, I called after receiving the first letter indicating that our HLOC will not be opened because of failing to meet the repayment requirements. I called immediately and talked to a James ** at Customer service. Tele 877-762-8000. He reviewed my complaint and he indicated it did not make sense to him also and asked to once again to send a fax, stating I was only late one time in 6 years for 7 days. But I also asked for an explanation in our contract terms. He said if I was late one day, according to the contract, I failed to meet the exact requirements. I am very angry and feel my fair credit and NYS banking laws have been violated. I am a minority male and feel that also played a part in these actions.

The balance before the deposit was $1,526.11 and I made a deposit of $3,266.63 but they posted it as a check instead of a deposit so now my account was placed in the negative $1,740.52 instead of being a positive $4,795.74. Three auto deducts were scheduled but I wrote a few checks over the weekend since I had a balance of a little over $1,500. I was charged fees totaling over $400 plus they put a hold on my other checking account that I had to "cover" their $400 in fees that should have never been charged on top of charging me an overdraft fee for the $7 replacement card charge, which they did not order "because my account was overdrawn" which was their error! I made at least 10 phone calls to get this fixed and then it took them four days to reverse the overdraft fees and before they did it, my mortgage payment came out and of course overdrew my account again and they told me that it was my fault!

I finally got everything fixed and the fees reversed after a total of 31 days and still no new ATM card "because I was overdrawn at the time it was ordered". Not even an apology letter to me for all of the inconvenience they caused nor would they write letters to anyone I gave a check to that bounced. I also incurred $30 from a merchant because of the "bad" check that I gave them and they said that they can't refund other store fees--even though their error caused the fee. I ended up closing everything with PNC Bank and switched to KeyBank.

PNC Bank is horrible. I hate the state of Pennsylvania and now more than ever I hate Pittsburgh and their crummy PNC Bank. They need to shove it up their Keystone and stay the hell out of Cleveland. National City was never like this. Beware and stay away from PNC. Everyone in Ohio needs to close their accounts and tell them to get the hell out of here, those greedy, nasty **.

I contacted WorldVentures MRK and they said that they needed me to dispute it directly with PNC Bank. I contacted PNC Bank and they told me that there was nothing that they can do to refund my money despite the fact that I have provided them with proof that WorldVentures MRK debited my account without my permission to pay for another one of their member's products.

PNC told me that the reason is because I didn't dispute the charges in a 45 -60 day time frame, but I did dispute the charges within that time frame and have paper work proving such. On 3/2/11, Erika ** at PNC told me that there is nothing that they can do to refund me my money even though they see that the money was taken out of my account without my permission and applied to someone else account with the Merchant. With that being said, I would like for assistance or guidance on what I can do to get my money back from PNC bank.

One of the representative told me to contact the store, so I did. The store owner informed me that she keep all receipts. I asked her to check and see if she has any receipt for a transaction in question; she did not have one and she told me to contact my bank. By the way, the transaction date was December 6th 2010, which was on a Monday, but this store does not open on Mondays.

When I called the bank and explained to them, the owner has no record of where the transaction took place. The representative told me to go to the store and get a credit. I don't know the process, but I do not think this should be my responsibility to keep going to the store to investigate this matter.

PNC bank denied our claim twice. Please advise me in this matter.

This bank will also post transactions and charge overdraft fees 30 minutes before a direct deposit they know is coming. (According to another bank, auto transfers are notified prior to the actual transfer).

These practices couldn't be legal and needs looked into and corrected/punished. I've lost a lot of money by compounding fees. I have no problem paying g a penalty that is fair when it is my fault but a lot of times the penalties are suspicious. When you call customer service, they seem unsure themselves and then give a roundabout answer that a rocket scientist would be left scratching their head at the "math" being used.

I called them several times and they said that I have to wait until someone from the PNC Mortgage Company to call me back and every day that I wait, I have to pay charges. I called them again and they keep telling me to wait until I receive a call from them. I was paying a month late since August because I wasn't working but I have the money and they don't want to take the money. Thank you for the time you spent reading my complaint against the PNC Mortgage Company.

Ms. Shirley *** was rude and could have handled this in a professional manner. I have had problems with PNC Bank in the past and have not closed my account. Previously, money was being taken from my account without my knowledge and was compensated because PNC could not explain why overdraft was being made without me being informed.

1. I have to send a secure email to ask why we haven't received the CD maturity notice from PNC, when it was only six days away from the CD maturity date. PNC's reply was that we have to call their IRA office. We called and PNC just said that it was already passed their three-week notification time frame of the maturing CD notice so they won't send it.

2. We then asked PNC to rollover my husband's IRA CD to other financial institution via "wire transfer." Surprisingly, PNC told us that they do not provide wire transfer for IRA rollover. PNC only uses "regular postal mail to send checks" with $25 charge and they only accept "original documents" (no fax, no wire transfer). IRA rollover procedure has to be done via "regular postal mail" although the receiving financial institution provides wire transfer.

3. PNC does not track the mail either so it is up to the customer to track. We called PNC IRA department and they confirmed that the time line for customer to track the mail is as follows: a) customer sends mail to receiving bank to initiate the IRA transfer (PNC only accepts original documents)

2) When receiving, the bank sends the IRA transfer form to PNC, and the customer needs to call PNC for 7-10 days to find out if PNC receives the IRA transfer form.

3) When PNC receives the IRA transfer form, the customer needs to call PNC for the next 2-3 days to find out when PNC finishes the processing and sends the check to the receiving bank.

4) Since PNC only use regular mail (not certified, not registered, not FedEx, not UPS) which cannot be tracked, customers need to call the receiving bank for the next 7-10 days to see if the check is received by the receiving bank.

5) ifIthe receiving bank does not receive the check in 7-10 days, customer needs to call PNC. It takes 2-3 days for PNC to research. So customer needs to call PNC for the next 2-3 days to find out if PNC will re-issue and re-mail the check.

6) If PNC mails the check again, repeat the steps 4 and 5. Please note that this procedure can lead to many problems, e.g. if step 6 will be repeated many times, your money will just end up in PNC bank forever but without any interest. The whole process is complicated, insecure, and time-consuming. PNC dumps the horrible burden/hassles to customers under their ridiculous IRA rollover method. We waited in the post-office for 40 minutes just by sending the initiating letter to the receiving bank--considering that PNC is one of the top U.S. banks, their service is unbearable.

Do not take out an equity line or mortgage from this bank, ever.

My deposit was pending, even though it was in the bank and they put 4 charges through before the deposit posted. She told me that there was nothing she could do for me and asked if I wanted to open a savings account for overdraft protection. I told her no thank you. I emailed customer service on-line and told them of my situation, and they told me that I am free to close my account. So not only does PNC charge excessive fees but their customer service sucks! I will be closing my account out at PNC. If you live in an area where Huntington Banks are located, they are giving you a 24 hour grace period before you receive any overdraft fees! I will be switching my account to Huntington Bank.

When I inquired as to what a valid form of id was they stated car registration, Passport, or even an Insurance card. When I asked how many forms of ID they require from an account holder they stated only one. Now this has nothing to do with security as they tried to tell me. If it did a Federal ID should be a valid form of ID this is purely due to their greed.

If they force you to take a check to your bank it makes their bottom line look better to the FDIC. I have been with little banks in the past which would pull such BS but never thought I would see this from such a large bank. As I was going to change banks mine is now 1 hour away from where I live PNC has lost a new customer I urge everyone to stay away.

The lady who answered told me the plan changed and I did not have a payment due for July 2010 and she verified additional monthly payments to satisfy the agreement. When mailed in August 2010, they sent my check back and sent me 6 letters in one day, telling my starting foreclosure proceeding and if want, they can put me into another repayment plan with higher payments and over 10 months, and an additional $400 in late charges. They cannot tell me who I spoke with in their records and they are very rude as telling me I signed a legally binding agreement. I said I did not make this up, as one of their representatives informed me of the changes.

Not only that, I have requested 3 separate times for a payment date change for the existing loan until the new loan is approved, which has taken 3 months and that is also still not processed. I was told the change was made and now, I am told that I must make another payment for change to be processed which still had not taken effect until November! I have been given the runaround the entire time that I have been with this bank. This has been a horrible experience and I have never had such an experience with any other bank. I will never open a personal/business account with this bank and will take every opportunity to tell anyone else I know to avoid banking with them as well. I have expressed my concerns to the branch and consumer loan departments and to no avail. The customer service of this bank needs to improve drastically.

Furthermore, they lost our paper work, and required that resend the same documents 3-4 times. They failed to communicate with us and told us several times they had everything, and we were in final review. When we called the next week, shockingly they were missing documents! Letters were sent to us weeks later, and we were placed on hold for an hour every time we called. We feel that had PNC handled our application in a professional manner, we would not be in this situation!

They are now seeking over $5000 from us--the difference of our full payment and our reduced payment. In addition, they have hired Steven ** 's office and are starting a foreclosure! We feel like the program is a trap! We paid monthly, in good faith, for the entire year! No where in the agreement, did it say we were jeopardizing losing our home! Had they told us up front, we would have never gone through the process! We have three teen age daughters, and six pets! Our youngest is in tenth grade, and now in jeopardy of having to switch schools. Our home was new construction and our 2.5 acre wooded lot is now a park like setting!

Our life's savings is in this home and PNC is aware that we have equity! We believe that is why they are taking our home! We recently filed a complaint with the NY State Banking Department! We're asking that more consumers file complaints with their State Banking Department & put a stop to PNC's Unethical Predatory Lending Practices!

I transfer $160 to the account to bring it to 0 no luck. I call PNC they say glitch! And sense I have overpaid the overdraft account $500 dollars they will mail a check. I say no, transfer the money back to the account it came from they say ok. I check the accounts 2 days later and once again OD protection shows me using $300 sum odd dollars, another call (we mailed you a check August 17 and deducted the money from your account sir) so now I'm in dept wit interest till I get a check of my money? What! (And it's not the $500 overpayment!) August 25 no check but I'm still in debt for $300 and short the other $200 so I call again where's the check? We mailed it on the 18 I say what?

I am a carrier for post office and work right by mailman so let's not have check in the mail, Give me a supervisor! (Sir all our loan checks must be held here for 10 days it will be mailed on the 2nd of September. Hmm the check is printed on the 12th and held 10 days n mailed on the 2nd the fallowing month? No wonder the banks are failing they can't even count! I make good money and I can afford to wait but what about people that live payday to payday and can't afford it? They get in this position with their money tied up and there "overdraft protection" being used when they may need it? Its plain criminal and they should be charged!