PNC Bank Reviews

We had to open an estate account because of the mistake PNC made on the savings account and PNC closed the branch where the changes were made and they couldn't find the paperwork. But the change was processed because my brother's name was removed. PNC changed my address to my lawyer's office because the estate account was set to go to the lawyer's office. They changed the address on all of my accounts. I found several letters from PNC in my dad's paperwork with corrections where PNC double-pulled checks cashed at one of PNC's branches.

Let’s look at the mortgage process. How can a mortgage take 7.5 weeks to be processed? Beginning of March to end of April 2010. $215,000 purchase where we put $100,000 down and paid closing costs. Where I have the cash in the bank to cover the loan. Where all three buying the beach condo had credit scored well in the excellent range. Then to make a mistake and not process the city taxes and refund coverage from the escrow account and reduce the monthly payments. It was in the closing paperwork we signed for the loan and you make another mistake. Now I have a bill of $1300 to get the escrow account back to where it should be or over $100 a month extra a month until it is caught up.

Credit report. Hard hits to our credit reports 6 times in 2 weeks by the PNC mortgage company. Do you realize what that does to a credit score? Or is it you just don't care? Setting up an account for paying the mortgage. PNC had my driver's license in their hands and processed the account to the lawyer’s office, which was not even in the same state. My profile address has been set to my lawyer’s office since we setup an estate account for my father in February and applied for mortgage with PNC. It was a question about the property on Main Street and I explained to PNC mortgage that was not my address and was only for the estate account. 7/14, I sent message via web page to correct your error again! Your accounts have been corrected, not the profile which the email was about. I can not change it. That option locks up my computer at work and at home.

Over $90,000 tied up in the estate. 7 months now and we can't use it until the estate is closed by the court because they couldn't find the paperwork showing the change. Now $50 in overdraft fees on an active account used to pay bills with and $900 missing, which I have to go to the bank to get straightened out and get my money back. Needless to say I am closing all the accounts I can Saturday morning when I go to the bank. I am not looking for assistance as I have a lawyer. I just want to register this complaint because of the ongoing problems I was having with this bank.

Regardless of the weekly deposits my account was still closed. At this time I went into the Bexly Ohio location to see if anything could be done. The customer service representative informed me that due to the amount of time my account had been in the negative that policy was to close the account. I asked her what would happen to my deposits and she informed me that they would be returned to the institution. She also gave me the number to customer service to see if there were any other arrangements that could be made. I called customer support and they also told me there was no way to keep my account open and that my deposits would be returned. I was having problems understanding why they would not allow the deposits to continue to come in to pay off my negative balance so she transferred me to collections. The gentleman that I spoke with reiterated the fact that my deposits would return to their institution.

After learning the above information, I completed an application with Franklin County Child Support to receive my child support money on a debit card. After talking to three different people at PNC, I planned on using the future money to buy my son's school clothes. I promised him that as soon as the card arrived in the mail, I would take him shopping. I received my child support debit card on July 31, 2010 and the balance was 0.00. I called child support and they informed me that PNC had still been taking the money, and did not return the deposits. Three different people at PNC stated to me that my deposits would be returned to their institution.

I completely understand that I owed PNC that money. I was going to start making payments to them once school started and I got my rent paid. Because the people at PNC told me that my deposits would be returned once the account was closed, I made plans to buy my son's school clothes. If they would have told me the correct information from the beginning, I would have tried to find another way to get my son's school clothes. It is very frustrating to expect money to be coming and then not have it. In this particular situation, my son is the one that will suffer.

While I freely admit to my mistakes as a previous customer, I feel PNC bank is left standing and not hurting one penny. Three different people told me something that was not true. This is a bank that I would not trust. I will make sure everyone I know is aware of bad service of this bank. If anyone asks my opinion of PNC, I will tell them that PNC Bank are crooks and the company as a whole does not care about their customers. There is something wrong when the employs give their customers false information. I messed up on my account more than once, and looking back, the overdraft fees that I paid over the years could probably pay for a few months rent on my apartment. I have spoken with two different people at PNC since learning that they still took my child support after my account closed and they could care less.

All they could do was make excuses for their co-workers that had given me false information. I strongly feel that PNC should be accountable for their mistakes, as I was for mine. If three different random employees are ignorant to basic rules such as the one discussed in this letter, then there is a problem. Shouldn't all employees be educated and know the policies of their employer. In summary, word of mouth is a very powerful tool. I will make sure that everyone I know is aware of the dishonesty and shady ways of PNC. I am also going to send a letter to the Better Business Bureau and find websites where I can comment on the customer service of PNC Bank.

Now my property is in foreclosure because of incompetence on someone else's part, not because of anything I did. I was never told that this was a possibility or I never would have agreed to the reduced payments. I was told to pay the reduced amount for June 2010; then a portion was returned. Never did I get an effective date to resume the higher payment amount. I don't know if there is some confusion because of the merger at PNC. Before Naca, my payments were high but I did manage to make timely payments every month. Had I known I would have to catch up the payments later in a lump sum and my property would be in foreclosure, I would not have accepted the trial plan. I should not be penalized by PNC, because I participated in a lower payment program that National City Bank agreed to. Therefore, any assistance you can offer would be greatly appreciated. Thank you.

This time, however, resulted in nothing but more aggravation. I was alerted by email that my wireless bill was going to be pulled from my bank account on 7/30/2010. I noticed that my phone bill was about ten dollars more than what I had in my account. So I quickly proceeded to transfer fifteen dollars from an external account to avoid getting an overdraft fee. This was on a Friday so I knew that it would take a few days to post. I assumed that since I was alerted to the withdrawal on Friday that it would also take a few business days to post. I left the account alone for an entire week because I knew that there would only be five dollars in there.

Today, I decided to check and make sure that everything had posted the way it should have. I felt I had to be sure with PNC because of the bad reputation that they have for wrongfully charging overdraft fees. I open my account to see that I am fifty one dollars negative. I immediately called customer service to have my account closed. I had had enough of this with PNC. The person I talked to informed me that I could not close my account because it was in the negative and that the only way that I could close it was if I paid this overdraft fee that, I felt, should never have happened.

I asked to speak to someone else. The man that I spoke with was not helpful at all. He told me the same thing as the woman before. The only difference was that he let me know that he was aware as to why I made the transfer. He said that the reason for my transfer wasn't in dispute but that it took three business days to do the transfer. And because of this, there was an overdraft fee charged two days before my transfer went through. I did the transfer the same exact day that I was alerted the wireless bill would come out.

This man then proceeded to tell me that I could not have the fees removed from my account because I had previously had overdraft fees removed. And that the only way that I could close my account would be by going to a branch and being charged another thirty dollars on top of the fifty one that I have already been charged. Also, my account would be charged seven dollars everyday until this fee was paid. I have no idea how this man could openly tell me that the reason for my external transfer was known and understood, yet still charge me an overdraft fee.

Where is the fairness here? He kept telling me that it was because I didn't have the money in my account. And I didn't understand why he would keep repeating this after stating that he understood the reason behind the transfer. He said that I was being ignorant when I told him I didn't believe he couldn't close my account. I felt that he was rude and kept talking over me and refusing to do the service I was asking for. So instead of closing my account with a negative of fifty one dollars, I'll have to wait an entire month of daily seven dollar charges to the account before it is closed and sent to collections. This will affect my credit because I do not have the money to pay this fee. I recently lost my job and am having trouble collecting my unemployment benefits. I will most likely start to receive these benefits in less than two weeks. But by that time, this fee will have escalated to over one hundred dollars. I will have to open a new account at another bank.

I have called so many times every month but they keep telling me it was still being reviewed and to hold on. January 2010 came and I made my last trial payment but I still never heard anything from them. In February 2010, I received a letter requesting for documents and I mailed them in. In February 10, 2010, I called to ask about payments and the associate told me that my application is still pending and they are trying to get the best possible loan modification that is right for me but to hold on to my funds until its finalized. I never heard anything from them after that. I called in April again and I was told its still pending but this time she accepted a payment.

I made my payments for April and May but in June, they would not accept anymore payments because they said my application was transferred to collection because I was not approved for loan modification due to my mother not living with me 100%. My mother lives with me and my sister because she is disabled. They should already told me that from the very beginning instead of stringing me along for almost a year. Then they sent me an application for other options but at the same time they want the balance due on my mortgage by August 2010 or they are going to continue with Foreclosure proceedings. My mortgage is not up side down and I have at least 50,000 equity on my house but I think they do this to foreclose people's houses and they can make money. I am able to save my house because I paid off the balance due but my credit is ruined by this loan modification.

My credit report was ruined by PNC. It was the only negative showing on my report. It showed I was behind all this months and that I owed $10,000 plus amount but I was actually on loan modification and made all my trial payments. If it did not take them almost a year to finalized it I would not be behind because I was not behind with my payments until they put me in to the Obama's MHAP that does not work.

They sent us a letter in March stating they wanted a copy of my pay stub to verify my income again. I faxed it to the number they gave me. The fax machine gave me confirmation that the fax went through. I didn't hear anything until PNC sent a letter saying we are out of the program now, because they didn't receive the information they needed and we owe them for the full payments for the past 6 months. It turns out they gave me the wrong fax number. It’s an honest mistake but don't penalize me for it. They don't accept partial payment so I now owe them over $18,000 to bring my mortgage current. I asked if we could get back in the "Making Home Affordable Program" and they denied our request. What happened to the $9000 we sent them for the "trial" period, and wouldn't that apply to the $18,000?

I called them yesterday and they said it is still in loss mitigation and they have not resolved the issue. I know others have this issue with them. I just want people to know what happened to me so it doesn't happen to them. I'm trying to see what my other options are now. I want to stay in my home and I do want to pay my mortgage. I just don't like getting the runaround. And an honest answer from someone would be nice.

It is incredibly disturbing to know if this unacceptable treatment could happen to me with my proven track record for payment and net worth. How is PNC treating other customers? My contention is this is an unfair lending practice which clearly needs to be addressed by PNC and federal regulatory agencies. I request immediate action and ask if other complaints similar to my experience be combined to see if there is the possibility of forming class action law suit.

That's what you gained from this "cute little maneuver"

Shame on your Bank and the nitwit that authorized it. Does this practice make you feel better these days? See you on the unemployment line, PNC. Oh, I'm sorry I forgot, companies like yours are "bailed-out" to help perpetuate your lousy business practices.

First, after arguing with Customer Service and talking to a supervisor, I was assured I would receive a refund of two overdraft fees. After waiting a week, I called to see what was happening with the refund. I was told there is no record of any refund, adding insult to injury. How can our government allow them to continue these deceptive practices? Maybe they are contributing these overdraft fees to politicians to turn a blind eye.

He said he was not able to do so because he could not be sure that a Power of Attorney from the Judge Advocate United States Army was legitimate. He needed to refer the matter to the PNC Legal Department to have the document reviewed. He said the Legal Department was running behind so I may have a response in three business days, but it might take longer. The Branch Manager took down my phone number and said he would get back to me. To avoid the checking account going into bad debt and being turned over to collections, I am paying the monthly service fee until this matter can be resolved. At this point, I have invested over $70 for an account that is not used and not wanted.

I had no problems before when they were National City, but when they switched to PNC and I have electronic deposits, the one deposit I deal with, I had to have a cancelled check, since I have plenty of old checks. I wasn't gonna get new ones. So I had to change the deposit into a savings and then go in and transfer it to checking.

Being 4th of July weekend and all, I was a little late, and I now have overdraft fees. I've been watching this for a while with my debit card, so I have receipts as to which transactions happened first. And they still process highest to lowest. I've been doing my banking between PNC and another credit union. Now I am taking everything to the credit union. They are so much better and easier to deal with, and they do things the right way!

I've had the same accounts for around 23 years. My families company accounts have been at National City for years too. Being in a family business for 36 years, I understand doing what you can to make money. But you have to have enough integrity to draw a line between right and wrong to stay in business. In my opinion, PNC has shown me they perceive that line as a gray area to manipulate.

Then today, Monday, 6/14 at 8:30am, PNC debt collector called. I explained the story from Friday. She told me I was lying and that there was no record of that call. They called me 42 times today, until they got me. (I was in a full day meeting and could not pick up the phone till end of day.) She insisted on all my personal banking information and this month's plus next month's payment in advance, because I was a bad customer. I gave it to her for fear of the harassment and anything else. I have never been late with a payment in my life.

Upon the death of my father I had just paid his bills that he could afford with his PNC checking acct. The bank immediately froze his acct, even though they only heard by mouth he had passed the day before. I hadn't gotten copies of death certificate yet so I don't believe that was legal, so all the checks were returned. That is, all but the ones issued to PNC! There was approximately $3,200, to some that’s not much but that's just the tip of the mountain of events to transpire. Even though I was his caregiver I did not have power of attorney and my father had no will. PNC bank never allowed the checks that were written for his bills before he passed to clear. So after all the fees there was a balance of 3380 that needed to be addressed.

PNC contacted me for months to pay, not just the account overdraws, they wanted me to pay his mortgage payments and credit card payments! I explained to them that I was not the power of attorney and my father left no will or life insurance. I also commented that the checks they refused to clear were written before he died and they made sure they took their payments! I asked what happened to the money that was frozen and they said they applied it to his credit card and a few mortgage payments. Is that even legal, to bounce payments to other companies, freeze acct before they were officially notified, take the acct balance and apply it to whatever they chose, and constantly hassle me to clear his debts that I had no legal connection too?

I was so drained emotionally and had taken on the burial expense, so I had to return to work immediately to catch up on my own financial responsibilities. Not having an income for a year drained my savings. I eventually just cleared his debts to the companies that the payments had been written out to me, just out of principal. It wasn't their fault PNC froze the acct. PNC tormented me daily at work and at home, I became very angry that they continued to call knowing I had no obligation to pay his debts. I literally had a nervous breakdown from the strain of the 11 months of caring for my father, watching him everyday having seizures, holding his hand for 53 hours at the hospital in his last moments, taking all the responsibility of the funeral and sending death certificates out, struggling financially myself from lack of income and paying additional debts my father incurred from medical debts, and at the time I also had in infant child and a 7 year old daughter to raise and help my oldest get thru the last 18 months that had traumatized her.

Finally I exploded and told PNC Bank I would clear out my father’s belongings and they could sell the house, I had more on my plate than I could handle and if they had an ounce of empathy they wouldn't have tormented me for the last 6 months! I took the last bit of strength and cleaned the home and boxed up all his belongings. Even though he had 2 other daughters, they never came around until they heard I had boxed up all our fathers belongings and they swooped down and snagged all of it. Disgusted in their actions I told them I never took care of dad for any reason but to give him love and care for his remaining time, and I had something they didn't and that was a full heart. Up until the day of the sale PNC continued to call asking for money, then after the sale of his home I never heard from them again.

12 years later battling cancer myself and divorced, I'm financially ruined and I stumble across the news that when PNC sold my father’s home, after they took out what he owed for the mortgage, overdrawn acct, and credit card balance there was $18,000 in proceeds left! Ironically, they called and called me to try to squeeze money for his debts but never made 1 call to let me know as his descendant that $18,000 of proceeds was sitting in their bank. That’s 12 years they've made interest off my father’s money, and I'm so angry and feel the morals that PNC has displayed from the time my father became ill until the day they sold his home, and 12 years of sitting on the proceeds truly defines the word appalling! I've spent months trying to get PNC to explain why they felt I was responsible to pay them without legal obligation when my father died, but didn't feel as his heir I was entitled to his equity after all PNC's debts were paid!

I've been ignored, transferred from one desk to another, and now I'm probably going to have hire a lawyer to get this resolved. I'm so sick, everyday is a challenge just to get thru the day because of my own health I believe they figure eventually I will tire and just give up. Hiring a lawyer to get this matter resolved isn't what I really want to do as each one I've spoken to want so much percentage and that doesn't include the administrative costs. Researching it I've found that by the time you get your percentage, the lawyer actually get 68%. I feel PNC Bank owes not just the $18,000, but 12 years of interest and be responsible for some type of fraudulent actions.

If anyone that reads my complaint has any advice or knowledge on resolving this matter I would greatly appreciate your response. I hope this bank isn’t making interest off anybody else's death and if you have any deceased relatives that had business with them I'd definitely do some research. I never truly recovered financially from the loss of income and extra debts I accrued from the year I took a leave of absence to care for my father. Those proceeds could have made a big difference then and anytime over the last 12 years! Financially, I'm ruined and disabled now, knowing that money was just sitting there making the bank fatter, all the tormenting calls they made for 6 months, and how much that money is needed has re-opened some very deep wounds. I'm already so medically sick and depressed; this is like a kick in the gut! It’s put me lower than ever, I used to believe most people in society were honest. I'm finding that you better check your pocket in life anymore.

This last month, I had approximately 10 items listed as pending and they were pending for days. I wrote the rent check and mailed it and knew I would be short about $80 but had no other alternative. What the bank did was debit the account the $1200 rent check first and then started to deduct the other charges pending. They charged me a $36 fee on 18 debits, including bounced fee on a $2 ATM fee and minor amounts in about four debits. They were under $5 and I was still charged $36 each. Every single check would have cleared except for one check for the rent if they would have put them in oldest first. They hold things for days, move things all around and then when they can make the most for themselves, they do. When my unemployment check was deposited to my account, it was not enough to cover all the debits and charges that they took from me.

PNC over drafted me on 18 debits for the amount of $648 plus an additional $63 in continuous OD fees. Total overdraft when they got finished was -$86.15 which they promptly started charging a $7 a day continuous charges. I mailed them online to have them not pay an auto payment that was due in for my life insurance in the amount of $45.21. They did not stop the debit so it cost me two additional $36 charges and $42 continuous late charges. My unemployment check was deposited to my account and when all was said and done, I had $187 left in my account for the next two weeks. I had no food money for the kids, my electric is in the process of being turned off as is the cable and gas. I am behind in my rent and am in court with the landlord. All the money I had for living, paying bills, food and so on was taken by PNC leaving me nothing. I have three children that like to eat and have a roof over their heads. PNC could not care less and I said I would end up living in their lobby with the kids, at least they have lights, it is warm and you don't get wet when it rains.

When the actual charge did hit my account the amount that was actually charged was $150.00 as I had originally informed the bank, and because the "pending", which means has not happened yet, charge was in the amount of $200.00 and caused 4 transactions totaling $40.00 to be returned so they could collect $144.00 in NSF charges even though they were aware of the error and the vendor did call the bank to let the manager that this was an error, the bank representative still said there was nothing they could do. So as a result of the additional $144.00 taken out of my account (which would cause anyone to fall short) the bank turned right around and paid two other payments in the amount and charged me an additional $72.00, which adds up to $216.00 in NSF charges because the vendor made a mistake.

Then during the same cycle I authorized a payment in the amount of $450.00 to pay for one of my husband's (our family) bill. The bank paid the $450.00 and then a week later turned around and recalled the payment which I had authorized without any notification or justification. When I called to find out what was going on the bank representative told me that because my husband's name was not on the account they would not honor the payment. Who in the hell do they think they are? This was a payment I authorized and was very much aware of. I don't care if I make a payment for my elderly mother, my son, my cousin, or anyone. If I authorize it then it should be honored. Period!

As a result of the $450.00 being deposited back into my account the bank charged me a fee for their error and the company which I authorized payment for charged me additional charges on my account and put a negative remark on my husband's credit report. I pulled out the $450.00 and went and paid the account in cash; as a result of me pulling out the cash the bank then again started charging me NSF fees stating that pending transactions were pending which is a bunch of bull because I had the funds available for the "pending" transactions prior to the bank charging me fees for redepositing an authorized payment on my husband's account.

After that I look at my account 2 or 3 times a day to make sure there is no hanky-panky going on, which is a pain. I also called and verbally asked to opt out of the over draft protection and also sent an email request, which PNC responded and said that they would honor the request. Again, they lied. They constantly authorize charges that come through. They have a "pending" transaction one day and it falls off the next; then 4-5 days later they put the total charge through-they post debits before credits and basically they are in need of money or they are very greedy. More than likely it is a combination of both.

PNC is famous for putting funds on hold one day and dropping them the next, and then 4 or 5 days later they post against your account instead of leaving in a "pending" status. Personally, I think they do this because it is a fast and easy way to collect money from the consumer and the consumer can not dispute anything. In fact if the consumer wants or opt out of the OD protection, the bank still authorizes transactions and will not post transactions to account (not even in a pending status) until 4 or 5 days later. Don't bother trying to call and inquire about such actions because you the consumer are wrong. Even when you bring errors to the bank’s attention, you are still at fault.

Let the everyday citizen try this and we would be in jail for extortion! Consumers need to realize that we actually have the power. Banks need us, we don't need them! I am like the average working person. I live from paycheck to paycheck and I have bills and obligations to take care of as well as a family, and with an additional $216.00 coming out for NSF fees and redepositing authorized payments makes it very difficult to manage your finances and do the right thing. Not only do I have to deal with PNC's charges, I have to pay at the other end as well for PNC's error and pre-judgment calls. I work too hard for my money for them just to take when they want or need.

Below is a list of basic banking issues I have run into during my business and personal relationship with PNC. These are also a list of reasons why I recommend that anyone contemplating a relationship with PNC think twice on the points outlined below.

1. PNC Bank always pays checks in the order that causes most fees to incur. A bank manager tried to tell me that PNC assumes that the largest check is the most important and therefore pays that check first. But time after time, PNC has shown me that they pay all the amounts presented to the account and charge for each check. I postulate that the issue is not the importance of the check, rather the amount of fees to charge. Although this is my personal experience with PNC, I have heard this complaint from dozens of individuals as well.

2. PNC Business Banking requires a minimum average monthly balance on most business accounts. Yet PNC never shows your average daily monthly balance online. PNC fails to give you the means to measure whether or not you are in compliance with their rules until the end of the month, after you are hit with yet more fees for not keeping a minimum average daily balance. I spent 10 years as a computer programmer. I know it is not a major technical undertaking to provide customers with a simple arithmetic calculation to manage their accounts.

3. I attempted to get a credit card attached to my business account to prevent NSF fees. I was rejected, probably for having an old address on the MAC card, which I could not see and could not change online or via telephone. I could not even ascertain an accurate reason for the rejection because PNC keeps that information for a short period of time, and then it just deletes it.

4. PNC touts its online banking, but their system is a mess. What PNC's own online system shows its customers is markedly different from what is actually transpiring in their accounts. When you confront an associate about it after discrepancies occur and after fees have occurred, they tell you yes, that is the case. I have seen no disclosure on the website regarding this discrepancy. It is enough to drive an already busy small business owner to madness.

5. In these difficult economic times, it is a sin that PNC charges my customers a $10 fee to cash my check across the street from my business. For small checks (under $300), the local check cashing business on the highway charges less than my bank charges my customers. In this regard, PNC treats me and my customers worse than a small check-cashing company with which I have no formal relationship.

The manager of a local branch told me it was due to check cashing fraud which has been on the rise. This argument does not pass the smell test. A thief is unlikely to waste his time trying to cash a bogus $60 check, but a thief won't care if the bank takes $10 for a large check that is fraudulent. Any reasonable person can come to the conclusion the fees are simply a way to make more money.

PNC also uses the fees to attempt to get potential customers to sign up for a checking account. I would suggest that they would have more luck attracting customers if they changed their policies regarding their voracious appetite for fees. Furthermore, my understanding is that there is no $10 fee if an individual tries to cash my personal check, fees only apply to business checks to customers of that business. Some time ago, my local branch manager waived the check cashing fees to my customers back when they were $5 per check, only to have the PNC Corporate Main Office put the fees back and raise the fee to $10.

6. Cash deposits after 3 pm are not necessarily credited immediately to your account and count as a deposit for the next business day, even though the PNC Online Banking shows the funds as available immediately. (See prior complaint number 4 above.) I have asked various tellers if the cash deposits are available immediately, they will tell you that they are, but it isn't true.

Case in point, I deposited $2000 cash on a Friday after 3pm. That particular cash deposit counted as a Monday deposit, causing checks that were presented to my account on Sunday night to accrue insufficient funds fees. Yet a cash withdrawal on Saturday counted as Saturday. Come on guys! A previous cash amount deposited after 3 PM at a Clifton branch did indeed count as a cash deposit for the same day. How would anyone know which branches are on a 3 pm close and which is on a 5 PM close for cash? I am already extremely busy without having to worry about inconsistent deposit rules between PNC branches which are less than 5 miles apart.

7. I called the business banking 800 number to find out how they can help me to better run my business and if they have any business plan that is comparable to that of one of their competitors, TD Bank. I was continually directed to one of their 4 business banking tracks. TD bank has later hours, Sunday hours, and most importantly clears most checks overnight that are deposited before 6 pm. (PNC has a cut-off of 3 PM.) With TD Bank, cash is immediately available. The representative from the PNC Business Banking Center simply tried to push me into one of the four PNC Business tracks that was best suited for me, completely disregarding that TD Band was clearly better or equal on most comparisons. As they say, when your only tool is a hammer, everything looks like a nail.

8. When I asked a teller or call the 800 number for information, I often receive conflicting information, depends on who is answering the question. Trying to get accurate information from a telephone representative is a cruel joke. Call three times with the same question, and you may get 3 different answers. One would figure on getting better service from a domestic call center. What kind of questions did I get conflicting information on? Is my average monthly balance high enough now to avoid fees? Is my online information accurate?

9. PNC computer systems and the management of those systems to be, at best, dysfunctional. My Business VISA / MAC card had an old business address, even after I changed all online information. Therefore, when I attempted to make a business purchase online, I was continually rejected for not having an address which matched the old address on the MAC card.

I called the 800 business banking several times, explaining that I tried possible combination and permutation of my current address--uppercase, lower case, mixed upper and lower case, 5 digit ZIP code, 5 + 4 ZIP, address in the first address line / second address line. The PNC associate did nothing to look further into my problem. I could not see the old address, because I did not have access to the back end system, yet the associates at the 800 business banking phone number did not find the problem either. I was told that the telephone representative may not have access to that information. But that is not my problem. This issue was finally remedied by an astute and persistent assistant manager at a local branch.

10. Inter-bank processing (between PNC and an external bank) is often quicker than processes that are entirely within PNC. On my personal checking account, I have a line of credit attached to my checking account. When I attempt to pay that line of credit with all of the funds in my checking account, it takes 2 days to process. So my checking account balance is temporarily zero. In the meantime, if a regularly occurring charge hits my account, which would normally be covered under the line of credit, I incur insufficient funds fees. Where did the money go which was used to pay the line of credit? It disappears for 2 days during the processing. It wasn't in my checking account, and it wasn't in my line of credit. Well then, where was it?

11. So you think you will simply close your PNC account? Ah, but you have a regularly occurring charge, let's say, gym membership dues. After you close your account, the gym fees hit your closed account. Guess what, PNC does? PNC reopens your account, pays the charge, then charges NSF fees to your closed account. You cant even end the relationship if you try!

Furthermore, after you close your account, you will fail to have access to your records online, so you must go in and save everything before you close your account. Representatives of PNC have tried to explain to me how currently my fees are waived for minimum balances and how at some time in the future, branches will all run on close of business being 5 pm. At this point, the damage in the relationship has already been done, through fees, lack of information and the inaccuracy of that information, rule inconsistencies, and, worst of all, the wasting of my precious time--regardless of what improvements are under way presently.

Many companies have implemented quality improvements long after their reputation has been damaged. Ford Motor Company comes to mind. It is my opinion that long after PNC makes positive improvements in how they treat their customers, the effects of current and past policies will linger with the corporation for years to come. It is my prediction that no one at PNC will listen until their reputation is damaged beyond repair.

The gas I bought on the 12th finally posted to the account and viola, NSF even though I had money in the bank to cover it. Ever since the bail out, PNC has made it much harder to do business and is even more "fee happy". They will steal your money if they can find away. This should not be legal. I knew the EFT was not to come out before the 15th, and it didn't but PNC charged me on the 14th anyway; another NSF fee and possible problems in the purchase of my new home.

When the actual charge did hit my account, the amount that was actually charged was $150.00 as I had originally informed the bank and because the pending charge (which means has not happened yet) was in the amount of $200.00 and causedfour4 transactions totaling $40.00 to be returned so they could collect $144.00 in NSF charges-even though they were aware of the error. The vendor did call the bank to let the manager know that this was an error. The bank representative still said there was nothing they could do.

Then during the same cycle, I authorized a payment in the amount of $450.00 to pay for one of my husband's (our family) bill. The bank paid the $450.00 and then a week later turned around and recalled the payment which I had authorized without any notification or justification. When I called to find out what was going on, the bank representative told me that because my husband's name was not on the account. they would not honor the payment.

Who in the ** do they think they are? This was a payment I authorized and was very much aware of. I don't care if I make a payment for my elderly mother, my son, my cousin, or anyone-if I authorize it then it should be honored- period! As a result of the $450.00 being deposited back into my account, the bank charged me a fee for their error and the company which I authorized payment for charged me additional charges on my account and put a negative remark on my husband's credit report. I pulled out the $450.00 and went and paid the account in cash as a result of me pulling out the cash.

The bank then again started charging me NSF fees, stating that pending transactions were pending which is a bunch of bull because I had the funds available for the "pending" transactions prior to the bank charging me fees for redepositing an authorized payment on my husband's account. After that, I looked at my account 2 or 3 times a day to make sure there is no hanky panky going on, which is a pain. I also called and verbally asked to opt out of the overdraft protection and also sent an email request which PNC responded and said that they would honor the request. Again, they lied. They constantly authorize charges that come through, they have a "pending" transaction one day and it falls off the next, then 4-5 days later they put the total charge through.

They post debits before credits and basically they are in need of money or they are very greedy, more than likely it is a combination of both. I am like the average working person. I live from paycheck to paycheck and I have bills and obligations to take care of as well as a family and with an additional $216.00 coming out for NSF fees and redepositing authorized payments, makes it very difficult to manage your finances and do the right thing. Not only do I have to deal with PNC's charges, I have to pay at the other end as well for PNC's error and pre-judgement calls.

I found they started charging me $15 when my account was "low". So I called and asked what this limit was to prevent it in the future. She told me there is no set limit. So I responded that whenever you want, you can transfer money from my savings to checking and charge me $15? She said no, only if my account was getting "low". I asked what is low and who decides when to do this. She said again that there is no set limit. I laughed and had overdraft removed. Later, I had a pending charge that was a mistake that they charged me an overdraft fee for. Even after the pending charge was removed, they would not remove the charge. So I was charged a fee for a transaction that never happened!

I closed both of my accounts and had some nice words to say before I took my business elsewhere. I will never bank with them again. They are thieves and provide no service for the money they steal. From the tellers to the DM, they are all idiots. They should put a sign on the door that says no education required, just dishonesty. The consequences are to them for losing yet another customer. I hope they pay with their jobs. They are stealing from good people instead of trying to make an honest buck and provide a service.

My first account in 1970 was with the first national bank of my home town. Then it was changed to the first national bank of the city that is the county seat. Then there was Banc Ohio who sold out to National City who I was very happy with. I figured out last fall after the bank bailouts that it would be a good idea to go to JP Morgan Chase. This bank is solid as the rock of Gibraltar. But I have had the same kind of overdraft problems with Chase. I tried to have my Air Force retirement pension direct deposit moved from PNC to Chase and PNC screwed that up to. It never happened. I am afraid that they will screw it up so bad that The Air Force will be confused as where to send the deposit.

I live in Ohio and PNC is new here. But I now hate the State of Pennsylvania. Take your ** bank and shove it up your keystone. I have been to Pittsburgh and it is a disgusting and cramped piece of crap and they have an inch of coal dust on their buildings. PNC you are not welcome here in Ohio.

She said that I sounded too old to have been born in 1986! She refused to give me my payoff amount and told me to go into a local bank with an ID. I told her that I had just had a baby and did not want to get her out of the house nor was it easy for me to find a babysitter. She replied again, that I sounded older than my birthdate.

I think this is an outrageous behavior. I asked her to speak with her supervisor or how I could file a formal complaint. She said that I couldn't file a formal complaint and they couldn't send me the paperwork to file one because they were uncertain as to who I was. I am offended that I was treated like a criminal after providing all the information requested. I was told that I sounded old and I was denied my records because someone thought I sounded old on the phone. Isn't there a law against discrimination?

Fast forward a few months, I became unemployed, and my bank account became low. So in I went to the PNC Bank down the street to deposit a check to make sure that my account wouldn't overdraft. I am told by the teller that the branch of National City that I originally opened my account with is one of a couple oddball branches that hasn't switched over to PNC yet, and she can't deposit the check for me.

The next day my account overdrafts. $30 in charges that my balance couldn't cover has turned into $400 in fees and daily harassing phone calls. I've refused to pay it, and I can't afford to pay it even if I wanted to. They've even offered to let me pay $220, which shows they at least kind of realize that it is their fault.

I just got a new job, and I'm trying to get back on my feet. And I simply can't afford to lose $220 right now. I shouldn't have to pay anything, except for the charges that originally overdrafted my account, totaling somewhere in the ballpark of $30. But they are stonewalling me. This whole ordeal makes me want to start keeping my money in a coffee can buried in the backyard.

So here I sit, waiting for my money. I am really not expecting to ever see that again. People need to pull accounts and shut these crooks down. I was brought up that stealing is wrong and illegal, and there are consequences for your action why are they not. I now bank at a smaller bank in town. Fees are lower and you can actually talk to people and they treat you with respect and I breath easier. Good luck to everyone, hopefully someday they'll get theirs.

I will be sending a Cease and Desist Letter to them today, however, I believe their company needs to receive a Class Action Lawsuit. I am sure I am not the only person that is being harassed in this manner. Prior to this, National City hardly ever contacted me, even if I was late. If they did, it would be one call a month as a reminder. My husband is disabled and is receiving the bulk of the phone calls from PNC. He has congestive heart failure and has suffered a stroke in the past. He is very sick and upset over these calls. I am becoming very distraught, and nervous and may need to contact a physician for myself as well. PNC is not acting like a bank or mortgage company with us. They are acting like hard core collectors, even though I have never missed a payment on my mortgage.

Well, I had to close the account out Feb. 4, and when I did, the National City representative told me I must have made a withdrawal because my account did not show that I had that interest. I didn't take my monthly statements with me nor my 1099 tax document, but the statements clearly do not reflect any interest certificate deposit nor was there any increase in my monthly balances. However, my 1099 interest states I earned $364.86. Neither bank says they have those records.

I was told by a manager at the main headquarters of PNC that he found a $350 withdrawal in August from my savings which he would send me that record. That $350 is not connected to my certificate of deposit. I've made withdrawals from my savings and deposited into my checking, none which had any effect on my certificate of deposit. I don't understand how neither bank can have my records. Thank you very much for anything you can do to help me with this matter.

It has caused me great stress, as I have been unemployed and desperately needed the interest I earned, and then both gave me the runaround and no one seems to be able to find my records. Well, I have them, and I thought the customer was always right until proven wrong. The National City person who closed my account was not very professional when she told me that just because I said I didn't withdraw any money from the CD doesn't prove I didn't. I have no income so I was relying on that interest.

Mike told me not to worry he was going to take care of that. He did called them (according to him) and send them proof of insurance from the July 15. So there were 2 months of force place insurance to be paid. He told me that he will reimburse me for that mistake, what he’s been doing in monthly payments. I called the bank 4 times that month and the following month of August to make sure that is everything OK and the shortage of escrow is $1200. I was told that it will be in payments over 12 months. Needless to say that every time I called I had to go all over the story again and again; at times it felt like nobody even listened to me. I’ve been with this mortgage company from 2004 and I have never been late.

In September of 2009 we received the return payment check. When we called and asked why we got a return check (it was beginning of September) my husband was told that we need to pay $8000 and they don’t accept a partial payment. I called again and tried to explain everything over the phone subbing and crying. The customer service rep told me that somebody didn’t see the notes and she told me that I’m fine and I can make the payment over the phone. And because of all this miscommunication she will not charge the fee for paying over the phone. I asked her how much I need to pay and she told me the amount and I pay the second time that month. I received the letter from the mortgage in September that my payment will be from now on as it was before. It seemed that everything was resolved.

In November I noticed that I have 30 days late on my credit report for all 3 credit agencies. So I called immediately the mortgage company to report inaccurate reporting and to see what’s going on. Again I was told that it was mixed up with insurance. Again and again I went over my story. I asked what I need to do to correct my error on credit report. I was told that the bank will correct that (still on my credit report as of today). I asked finally how much I need to payout force place insurance in full and put this at end. I was told to make $999.00 and $200 that I paid the month of November will take care of the full amount.

Again I acted what I was told and paid over the phone in full amount. I just was tired of calling and spending time on the phone the mortgage payments I made as I supposed to. In February 2010, I checked again my credit report to see that the inaccurate reporting for September was corrected and to my surprised I saw that now I have 30 days late for February. I called again PNC trying to get to the bottom of this. I was getting different answers. I was told that is impossible since is just beginning of February. I was told by Dema to fax over my credit report and she will send to the deportment who's reporting to the credit bureau. Then I was told that I should call in December and get off the payment plan since I paid the insurance in full. I asked don't they have some centralized system to link this together and how I as a consumer could know that?

I was told that Crystal P. is in charge of my payment plan and I should speak to her. I called her on 02/09, left a message and she never called me back. I called again the same day and I asked her how that is possible that I’m suffering as a consumer who's doing everything as I was told and how come she doesn’t know that I paid insurance in full? She was so rude and asked me: "You don't want to be on payment plan?" I tried desperately to explain what's going on and she told me to call customer service and she has nothing to do with that. She just wanted to get rid of me. I called back the same day and spoke with 3 people, Jacky, Antoinette. And over the months I spoke to so many people like Cynthia, Shannon, John, James C. I hope there are the notes to show how many times we have called over the period of 7 months.

Finally, I asked for a letter stating correction of my credit report and stating paying in full in question force place insurance. I was told by Jacky that everything is in the notes and that the letters were on the way.

Today, Feb. 16/2010, I received a return check from PNC of $201.99. I called right way and spoke first with Autumn and then Cody. I asked him how come I got this check back and now I need to pay $259.29, and he explained to me that the taxes and fees are involved. I asked him how come I have that now since I paid what I was told in November? He tried to help me as many people before and I told him that I have no problem of paying that but how come that I owned that?

He told me maybe I need to call a supervisor. I was waiting again to be connected and finally I got an answering machine. It sounded like Mr. P. or something similar and I left a message pleading for help. It was at 8 pm and now is 11:59 pm and nobody ever called me. I have all documentation to support this. Who am I as consumer? I did everything that I was told to do and I’ve been treated like a criminal. I’ve been fighting for my consumer rights for 7 months. I wished I wrote this letter much earlier and have not waited this long. I asked for the letter how much I owed and I never received it. Now supposedly I was short $47.30 in order to be clear. How many times I was told that and let down?

I paid and then the next month is surprise. How come the mortgage company never sends any receipt of receiving $1199.00 for the insurance? I do not trust them anything; they have the worst business practice that I ever experienced it. How they can justify incorrect reporting to the credit bureau? It seems I as consumer have no rights. Could you believe it that they reported me 30 day late for February on the Feb. 6th and my mortgage was note due from 1-15 of February? That never have been the case but it shows you how this mortgage company operates. The consequence is frustration and many hours on the phone explaining and pleading for resolution. Wrong reporting to credit bureau caused my credit got down 50-100 points.

They made me feel like nobody, trying to fight the system and just being in dark. The worst of all is I paid everything as I was told but I never got anywhere. Who we are as consumer? I guess really doen’t matter how hard we try to do things right when the system let us down and we have no voice. I feel that I got discriminated as a consumer by PNC mortgage.

The agent "Sheri" told me to call PNC and ask them. This is so unprofessional and absolutely lame that I am writing you for advise or help to get this company off my back, and to take action against their procedure to collect debts. The information I was given is: Agent's name Sheri, phone number direct line 888 518 3460. Please provide some assistance in the matter.

It was not until recently during the Christmas holiday season that it came to light, when I was charged 5 overdraft fees to my account for transactions PNC Bank claims "posted at the exact same time on the same date". What was explained to me by branch management was that when multiple transactions come in over a weekend, they post to the account on the next business day. I had a deposit and several payments that were presented at different times toward the end of the week prior and over that weekend at which time there was more than enough funds to cover the items. Confusion first came when my online banking statement showed my deposit was made and debit payments posted to the account the next business day, never displaying a negative balance. Yet the very next day, my online statement reflected the overdraft charges totalling $144.

To my own understanding and after consulting with a legal rep, it was clarified to me that by law, a bank is to make payments based on the "Order of Presentation"; not when they (PNC Bank) determine payments will be made. Also, it was explained to me that there is no way that multiple transactions can post to an account at the exact same time, as PNC Bank has tried to convince me happened in my case. Because of the Bank's "discretion" to pay out the largest amount first regardless of what time the transaction was actually received on a particular day when multiple transactions are presented, the smaller amounts that were submitted earlier and should have cleared prior did not, although there were sufficient funds to cover them. The inaccurate/false reflection of my deposit as posted to my online statement should have caused 1 overdraft fee if that.

After a phone call to the branch and being told by the branch manager there was nothing that can be done in the matter, management then agreed to credit 2 overdraft fees to me thus, only to charge me yet a 6th overdraft fee the very next day due to the initial 5 charges placing me in a negative balance; affecting another transaction that came through to my account overnight. I felt if things had processed in the manner most appropriate, it should have never resulting in 6 overdraft charges to my account.

I went to my local branch the very next day to have someone explain and show me my account record. I also requested to see the actual "Order of Presentation". PNC's system is set up to show you only what they want you to see; in my case, it was that I had a list of multiple transactions posting to my account on the same day in the order of largest to smallest dollar amounts. I asked to see the exact time when PNC Bank received the transactions for payment; management had no means of doing so. I was then asked to wait while this information was acquired from another "system report". After waiting patiently an additional 20 minutes in the branch and then asked to give them a day or so to retrieve the information, I finally was told that it could not be produced, that based on Bank's policy, what information I had already seen is all that is required to be given to me. It is a total mess. How do they get away with this?

PNC Bank should be ashamed to claim that their "discretion" is best for their customers (regardless of what may be law or what makes common sense in this matter) and that they have their customers' best interest in mind, when it appears to only benefit the bottom line of the Bank itself. I believe that it is border line deception, and something needs to be done to hold institutions such as PNC Bank accountable for their bad practices that are stealing money out of the pockets of their customers.

When we join, they charge us the first and the last month membership fees. When we try to cancel, they always charge us for another month of service before they stop the service. So where is the initial fee they charged me in the beginning for the last month fee when I joined?

Sometimes after you thought you've cancelled, they still deduct the monthly charges afterwards like my scenario. When you call customer service at 24 Hour, the automated service that deducts the monthly dues is a whole different department, which even the Customer Service department has trouble getting a hold of.

Cutting the long story short, "call-and-cancel" the cards. Tell the bank or credit card company that you lost the card. Don't say it was stolen! They will honor legitimate charges to your account even after they replace your old card with a new one. A little mix-up in our financial laws to benefit the credit card companies and the banks. Remember to say, "lost" not "stolen!"

When I went into my account, almost $400 was missing. I can't get into too many details because frankly it makes me too angry. I've dealt with the worst customer service ever, and nothing has been resolved. At the time the money went missing, I had just become unemployed, and Christmas was here. Every time I called PNC,, I'd get the scripted statement of "I understand your frustration" or "I hope we've satisfied your banking needs today". I wanted to scream. All they would do is quote their bogus policies to me and tell me they were "investigating the situation".

They did provisionally give me my money back, but I can't close my account until they have "resolved the issue". I quit calling customer service because I end up getting nowhere but irate. They could honestly care less. And from what I'm reading online, and hearing from co-workers, they sound like thieves. Although my money wouldn't make a difference to the bank, I will be writing complaints to anyone and everyone. This should not be allowed. It's my money and I feel like I'm being held hostage at a bank. Economic damage? Well, luckily I have generous friends and family who were able to help me out through the holidays. But unfortunately I had to use a credit card to pay for groceries and gas. Mainly it's been an incredible source of depression and anxiety.

I tried to explain that they were cold-hearted and didn't care. I know that they were bought out by PNC and they are messing up so many accounts--it's not funny. I had a lady who was talking to me in a clothing store who was telling me that for a $0.15 charge, she had to pay $200.00 in fees. That's ridiculous and that's what I'm am dealing with right now. But mine isn't $200.00; it's more like $500.00. How am I supposed to pay my rent, car insurance and cell phone bill? It's impossible.

Also, I purchased something online from BestBuy.com, and one day, in January 2010, a payment went through, then it showed on my account balance, and when it actually posted, it went through again, charging me twice. I have been manipulated by this bank in excess of at $4,000. The tellers and reps also flirt with me, and harass me, when I visit a branch. An employee named Tomasz at the Skokie branch, leaned over his desk into my personal space, and was using romantic jargon towards me. I also witnessed him engaging a woman at a branch on January 18, 2010, and he was perfectly respectful, and engaging to her. Can you assist me in retrieving my funds back from national city bank, and stop the flirting? Girls at the branch also flirt, and I'm not into girls.

It shows in my account that the deposit I made was reversed and no one at the bank knew why! I called the 800 number only to be told that the teller at the bank might have mistakenly deposited $45 in my account when it should have been for another customer. I told them that I have my deposit slip.

Somehow when the money left the bank and went to their accounting office, someone there might have reversed the transaction. No one knows what's going on. This is not the first time something similar like this has occurred with PNC Bank. I just want to know if I could file a lawsuit against them.

I would stay away from these snakes if you can. There are many community banks that won't do this. Wish I would have read the reviews. I have since moved my money to a local bank. I incurred $75 in damages; no bill was paid. The other bill almost had a fee but agreed to waive if I paid out of the working account.

Here is a new one with NCB Visa account. After interest was assessed, they put me $1.34 over my limit. Of course they assessed a $39 fee for that. It gets better though. I found that I was over and immediately transferred $50 from my checking account to cover everything and ensure that I did not go over again. It didn't matter. They assessed the fees at statement close and because the next day I was still over the limit, they charged me another $39 for over the limit fees. I was $1.34 over the limit for 3 business days and they charged me $78 in over the limit fees. This bank was not great before but now that PNC has taken over, they have gone downhill really fast.

I cancelled the Visa and have just opened a new account at another bank. I also have just filed a complaint with the FDIC. We'll see what comes of that if anything at all. NCB exceeds at ripping off the consumer. I hope they go out of business soon!

First, I was told about over draft protection through Visa account by their rep. I thought it was a good idea to not let any checks bounce and have a good reputation. But from last month, i.e., Oct. 09, they have started charging us 4% for every transaction from this account. For e.g. I transferred 5000.00 from this account and I was charged $200. I was surprised to see this type of fees 4 times since Oct. I called them and they told they had sent us a letter stating this change, I don't recall this letter. And they have refused to pay me back this money, I told them it would cost me less to have a check bounce than have this overdraft account. Thought you must know.

Second, They have another very creative way to force fees on us. This case is of NSF funds. For example, if I have $3000 left in the bank and I had 4 checks to come out in the order of $10, $20, $30 and $3000, what they do is they first apply the $3000 check and then charge an NSF of $34 for each of the remaining 3 checks. If they followed the order I would only have 1 NSF for the $3000 check. We had to go through this a number of times in the last 2-3 years. This is not fair.

Our business is in a better position now and hence I have got the time to write about this, but banks should be fined for this practice. It hurts small business like us and we don't have the time to call customer service to sort these problems out.

I called my branch to beg mercy, and was told by the manager that I was a "serial overdrafter" with multiple overdrafts. The manager continued to talk down to me and basically told me I got what I deserved. Funny thing is, all of the overdrafts on my account were from this one instance. Their screwy clearance policy makes me a "serial overdrafter" and the scum of the Earth?!

Oh ladies, if you get married, you'd better not change your name, because they'll charge you $7 for the privilege of getting an ATM card with your new legal name on it, no joke (Note that none of my other cards charged me a penny). Also, if their ATM eats your debit card, they make you pay $7 to get a new one. This just happened to my husband.

I checked Saturday morning & the merchant credited me back, so I called the bank to see about those fees coming off. This was where I was told by every person that no, it's not the bank's fault so they won't remove the charges. What?! Every person I spoke to prior told me yes. The bank told me to go into my local branch, I did. They didn't even want to listen to what happened, they wrote my name, account # & cell on a Post It to give to the branch manager. It was the manager's discretion to credit me back.

How are they going to make an informed decision if you don't hear what happened? I was told if it makes me feel better, I can write out the situation & she will give that along w/ the Post It to the manager. I let the personal banker know that once this was all cleared, I would be closing my account. I called the bank's customer service line again & was told again to go into the branch. I explained how rude they were & was told as a courtesy, they would remove 2 out of 8 fees but to seek reimbursement from the merchant who was at fault.

I fired off an email to the merchant saying if they didn't refund the fees, I would take them to small claims court. I received a phone call almost immediately from them saying they'd call me on Monday, the 14th, to straighten this out & they would credit me if they did see they were at fault.

So here we are Monday, the 14th, & I just called my dispute follow up line where, oddly enough, I was told they would refund all the overdraft fees. She told me she did it just then w/ me on the line. She checked to make sure it worked & said, oops, she refunded them all twice so she fixed it. Well, all the fees are still showing on my online banking so I don't know when they will go away exactly. I will check once an hour all day & probably call at lunch asking exactly when they will be taken off my online banking.

I've already submitted for my direct deposit to be changed so when this is cleared, I will be going back to my old bank. I'm nervous that even though I was told they would remove the fees that it will be a runaround again.

I received a notice in the mail 2 days after this happened. We told the bank that we had no idea it had changed, our account was supposed to be like the old one. They said there was nothing they could do. We are also being charged $8.00 a day until we got our balance back up to 0. We have been a customer for about 15 years and treated horribly.

This bank is a ripoff. They also take their money out the second it hits the bank. Funny that it is available for them! One thing I am sorry for is that I have direct deposit, so they get their money first. Something needs to be done with this. It is not a fair practice when you see in pending and they have deducted it out of your balance. If it's out, it's out! No matter how you cut it with the money that was there and the monies in pending, I was still short $4.81 no matter how they posted the 3 pending charges! I would not have anyone use this bank! Ever!

Forget about "overdrawn protection" (that is another way PNC Bank will take more of your money. Honestly put, they steal your money. Don't open any accounts with any PNC Bank, unless you don't mind losing your money. I learned the hard way and I will never, ever, have any account again with PNC Bank. They are legal crooks who steal their account holders' money. The government needs to close PNC banks - all of them, at every location, no matter what state they are located in.

PNC still had these payments as pending and charged me NSF charges for them as well as payments that were already showing as pending when I had an available balance of $355. Around 1:00am, Monday, I had already transferred funds from my savings account to my checking account (which was available immediately) to cover the pending credits so my account had a positive balance of over $1,000 before the pending items were submitted for payment on 7/29/2009.

Previously, when this happened in March, I spoke with a young lady who refunded me the NSF charges when it happened the first time. As I was checking my statements for the past few months, I have received numerous NSF charges when my account has had a positive balance. Not only that, but the pending transactions that I had on Friday were already accounted for in my available balance of $355.00. But I was also charged NSF fees for those when they posted because PNC did not post them in the order that they occurred like they show in the available balance so that they could maximize the NSF charges.

Over the last few months, I have paid another $300+ in NSF fees when I had a positive balance. Not to mention, the available balance that PNC keeps track by the date and time of the transaction. But PNC posts the transactions from the biggest to the smallest, so the information they provide on the site is not consistent. I've paid over $500 in NSF charges over the past few months, when my account has not been overdrawn. This does not include NSF charges that occurred when my available balance said one thing and PNC posted the transactions completely different then they appeared as pending, resulting in my account becoming overdrawn.

Most recently, I made a substantial deposit, which I do the same time each year, from the same individual and from the same financial institution. Each year, the deposit clears in 2 business days, in keeping with the fine print of PNC's policies. This year, they have decided to pull the deposit and investigate whether or not the deposit will be paid by the issuing bank. I have incurred so far this week 3 NSF fees.

I called the bank and was told the deposit had been credited to my account. I told them it had not. Then I was told the deposit is being investigated. They apologized I had not yet received their letter in the mail. I was notified until 5 business day later via snail mail.

I am extremely frustrated and angry with PNC and told them that when the deposit clears, I would be closing my account. There response: "I'm sorry. Is there anything we can do for you?" I asked if they could at least release a partial of the deposit; they could not. I had to contact a different division Monday through Friday, 8:30 am - 4:30 pm, or contact the issuing bank and have them contact PNC for them to resolve the matter. Why would it be my responsibility to contact the issuing bank? I thought in the 21st century, they could get automated information if the issuing bank had sufficient funds?

I understand they are in trouble in Missouri for doing this. Evidently, the state cannot find the individual, and the money goes to the bank, even though the party may be in the military, or in my case, live very close to the bank. How can they have it both ways? The CD hadn't even matured, yet they were going to declare it dormant and take my CD. I talked to the manager about 10 days ago. She said she didn't know what was going on, and would get back to me about paying back to me the penalty for early withdrawal. I have lost $145.00, and would have lost over $10,000.00 if I had deployed with the military, as scheduled to.

My direct deposit was hit, and it was short a substantial amount. I called, and the person explained all the fees. Needless to say, I was fuming. I was on vacation, and went to a local PNC, and the person didn't do anything, except offer to refund two charges, and close the account. I couldn't close the account, due to outstanding checks. I tried to explain to her that I did forget about the gas charge, and would pay that fee, since it was my error. She didn't comprehend this. She said the gas charge came through, over drew the account, and then the store charges posted, and that's why I received fees.

I tried to explain that it makes no sense, since those charges were deducted and "authorized", and conveniently, were not posted until after a gas charge posted. She absolutely failed to grasp where I was coming from. My girlfriend, who works at a bank, tried to explain it to her in the correct terminology, and she just refused to grasp it. When we got back, I went to the local PNC I opened my account at, and they also did not do anything, except refund 2 fees. The gentleman that I spoke with said he'll call the corporate office and see if they could refund more fees, and he would call me back the same day. 3 days later, and I've heard nothing from them. Only the fees they said they'd adjust were adjusted.

I have three checking accounts and was going to make PNC my main one for business transactions and personal use. Now, I've transferred all my direct withdrawals back to TD/Commerce. I've also switched my direct deposit back to them. I thought they were bad with customer service, but they are a blessing compared to PNC. For 8 years, I had an account with Commerce, and only received 4 fees in my lifetime, 2 of which were refunded. My vacation was ruined, because I was so stressed out. $264.00, which I could use since I'm a single father who works full time, and have to pay for school, is now gone. Again, I have no problems paying the fee that was the result of my forgetfulness, but 6 fees? That's insane.

I was checking my online balance every couple of weeks and did not see the unauthorized debit or else I would have jumped on it right away. I had not been using my debit card and was just taking out cash as I needed it. I was making only cash transactions but somehow this company got into my information. I told the bank to close my account to put a stop to incurring fees and put a stop to whomever was withdrawing on my account, but the manager refused; and I am stuck bearing the financial burden for their lax privacy and confidentiality policies. Only after I discussed the matter with the National City representative did the unauthorized transactions show up on my online banking.

The bank now says I owe over $500 to them. Plus, I am out the money that whomever it was having unauthorized access to my account and as a result withdrawing from my account. They expect me to pay for their lack of security that was supposed to be in place taking care of my account and my security as a longtime customer. They are true extortionists... all of which is apparently legal.

I called them, and Tracy ** wouldn't let me speak to a manager and said the check didn't clear until Monday night, but yet said Saturday doesn't count since it's not a business day. Won't do ANYTHING about it. Seems like this bank is ripping off the hard working people to pad their pockets! I wish some type of class action could be taken, since they're taking OUR money from US!

The first person that I spoke with did not want to give me any numbers for upper level management, but I found the phone number for the Office of the President of the Michigan division of National City and spoke to his secretary. She stated that my complaint would be forwarded to a dispute resolution committee, it was forwarded to a women that works in the same branch, one person, not a committee. They simply do not care if they lose customers, they asked us to leave, unbelievable. This was a horrible experience.

I have spoken to 2 managers, and they are dumb founded. They don't understand why, but the computer is accurate, National City swears they DON'T make mistakes. Come On, they accuse my of not being able to balance a check book...but as I stated earlier my balance never went below $600. It's in black and white. I have no voice against a big bank like National City. They not only charged me 170 in overdraft fees, but they also charged me 15 dollars for overdraft protection transfer.

Problem is...No funds were in my savings to transfer. They won't even remove the $15 fee. $170 in overdraft fees and $15 for useless overdraft protection transfer. Emotional stress! Unable to buy groceries this week.

I have been reading over many other complaints about the very same financial institution that has been causing my family much grief.

It seems that there is a repeating pattern with client deposits and withdrawls not being recorded in the order they were placed and/or recieved. If my paycheck is deposited via teller (inside) on Thursday afternoon, I stand there and watch as she taps away on her keyboard the check number and balance and cash back ammount. Why then is my account charged $36.00 each time i make a purchase on the following sunday and monday? This week in the ammount $180.00 in penalties. The women at the bank had me convinced that it was my record keeping that was causing such actions against my account. This is the rape of the working man by a seemingly invincible financial institution. What can we do about stopping such practices if not recovering our stolen monies? Thank you to all who read this.

i am a single mother working to support my 3 children. taking any money away from my check hurts-this was no fault of mine. and this is the 3rd time that national city has taken money out of my account for events that occured that were not my fault. i need this money back to make ends meet.

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

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

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

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

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

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

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

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

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

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

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

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

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

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