PNC Bank

I have been checking the chat roughly once every hour for the last two days and it is always closed. I only have a Spanish phone number and my plan does not permit international calls so I am unable to call PNC's help number. As they are a very limited, US based bank, there is no international call number. Because of this fiasco, I have been unable to purchase food and necessities and have been unable to book reservations for upcoming travel plans. If I could give PNC less than 1 star, I would.

I called PNC and they said that they are sorry and it is at the discretion of the teller to cash a check or not! I asked and what discretion would that be?! The guy had no reason not to. I smell good, I’m dressed nice, I conducted myself professionally. I have a professional desk job! Only thing I can think of is I am a minority! Don’t use PNC! If they can’t verify their own checks what in the world are they doing in the business?! Their own checks have no credibility then you know it can’t be that great of a bank. Highly disappointed! Won’t take my business nor my family’s back!!!

3 Days after the paid off loan payment was due, I get a call from an unknown number. I didn't answer, no voice message, another call same day, I didn't answer, no voice message. So I decided to look up the number. It was PNC. The next day another call from PNC, I was busy and didn’t answer and no voicemail. Again the same day, another call from PNC. This is 4 calls in 2 days, what the heck is going on. I answered. It was their collection department. Then proceeded to tell me I was late on my car payment (I have an 800 credit score, for a reason.) and demanded I make a payment over the phone now. I politely explained the car was traded and I will not be making a payment and the dealer has paid the loan in full and PNC collections department needs to check with their loan department.

I was then treated like a piece of loan dodging, criminal as they explained to me again my payment was late and I need to make it now. (Really? 3 days? Are you kidding me?) Well Again, I refused to make the payment (beware of this banking scam because if you think if you overpay you will get it back in 3 days, I doubt it, if you even see it) and then told them to never call me again that it is called collection harassment and against the law and if they had something they needed to communicate with me, then they could send me a letter of late notice. Again they said they would call me as much as they wanted and they were not breaking the law. (They are, I looked it up. Every state is different. In my state it is.)

I again explained the car was traded (a very reputable new car dealer). They said they didn’t care and again I need to pay them now. I again refused and told them to call the dealer. They told me to call. I hung up. Ok, I called the dealer. The dealer mailed them the payoff check on the 20th of March. 7 days after the trade and 7 days before the payment was due. They had the money. Ok, No more worries. Then the dealer looked up to see if the check had cleared, it hadn’t cleared. Come to find out, PNC sent the check back to the dealer stating it was short a few $$$ and wanted a new check for a specific amount.

Wait, this was all done with a 15 day payoff 7 days before maybe 4 or 5 before the 15 day payoff amount. How can this be? Scam? I think so. Milk the dealer for a few extra bucks knowing if they want the title, the dealer would have to pay the ransom. PNC could have cashed the check and asked for the balance before the title could have been sent. Come on PNC, it’s not like you have never closed a loan for a new car dealer before or the dealer is going to rip PNC off. So the next day the dealer sent another check for the amount requested using next day delivery.

The next day they called again, I didn’t answer, no voice message. They called again same day. (6 times in 3 days) So I answered again, same collection assault and tactics, rude, degrading, attitude and insulting. I then asked for a manager, which was like pulling teeth but they finally sent me to a manager but only after I had to repeat 15-20 time “transfer me to a manager”. Well, the manager was just as rude as the 1st tier grunts. I then proceeded to tell him to never contact me again. It was illegal, send me a letter if you need something. Again, they didn’t want to hear anything except how I was going to make a payment I didn’t owe that was 4 days past due but was paid.

Finally I was so mad I made it clear and confirmed it was being recorded (just in case I had to get a lawyer involved). I then stated, in no calm voice, they were never to contact me again via phone. They were in violation of collection laws. I knew they refused payment and sent the check back to the dealer just to try to collect more interest on a loan and even scam me out of addition payment money that I did not owe because when they sent the check back to the dealer, they were in fact refusing payment...

I told them if they ever called me again, my next conversation would be with a lawyer who would then contact them with a court date. Never, ever deal with bank, even if you have a higher interest rate. I will never deal with PNC again and I have advised everyone I know about this event and PNC scam tactics and practices.

I just spoke to Marcia from PNC, who said she could not remove this from my credit report. Lie #2. Lie #3 is that you would be informed of this reporting. Marcia didn't take into consideration all of the payments I'd made over the years, nor did she show an ounce of compassion. So all of my years of hard work, and excellent credit is down the tubes. Of course I do not recommend PNC Bank. And unfortunately, when Marcia gets old, she will remember why she has so many financial struggles. Miss Gail