PNC Bank

My experience is that PNC is the worst bank for both personal and business accounts. Here is why:

I have a home equity loan with PNC Bank. In April I made a payment on April 2 for my April payment and a payment on April 29 for my May payment. PNC bank did not apply the second payment to April but as an extra payment against the principal amount. Then they charged me late payments on my May payment. It is now August and this matter is still not resolved. Neither the corporate office or my local branch have been responsive and the Escalation Department refused to return my call. I would NEVER recommend this bank to anyone.

I was a excellent customer. Paid over my minimum personnel car loan since 2015, then worked very hard to get this loan pd off 1 1/2 yrs early. Excited and anxious to hold that title in my hand and they lost it! Of course easy to say postal service lost it. I waited over 4 weeks to call and find out the disappointing news. Now I wait for over 1 week for them to send documentation so I can out of my own pocket get a new title with the BMV. Why do banks think it is ok to send such an important documentation such as a title without registered mail! Will never do business with this branch again. Beware! Request registered mail for Car titles, it doesn't cost that much to give great customer service, esp. with the money they make off of us. Yes, so easy just to blame the postal service and go on....I have never had mail lost before, strange it happens now!

Awful bank!! They have so many hidden fees it absolutely awful!!!! Do not bank here. They will rip you off with fees. I had a fee on my account that was a mishap from me. A honest mistake and I called right away because I was aware of it and they could not help me because it was a human error. Are you kidding me?!! They were not good about being professional at all. They were actually ** acting like I was stupid and kept saying the same thing every time I asked a question. They kept repeating themselves like it was a recorded line. Bad business PNC.

I was promised that total free checking account for my business but later I found out there are many types of hidden fees from this bank. It charges you for paper statement fee and you can cancel it. It charges you $10 per month for no reason. I don't usually read the small lines of text when I open a bank account but I got bitten. It also has many other types of fees I don't even know what they are. Furthermore, it charged me $50 for closing accounts. It is the worst nightmare I ever hand with this bank.

PNC charged off my account as bad debt, after I had years of excellent account. After I deposited my Federal Income tax return check in the ATM May 1, 2019, they did not process it. Escalation supervisor said, because I had good account, she allowed $500 of the larger amount of the return check transferred to my credit card while full check was traced. Meanwhile branch supervisors gave me wrong information for weeks. One told me I had to wait until returned check processed through mail, another told me I could request an image if I walked in a branch and have my full refund check cashed. Then another told me that was wrong info and that same day, another told me they sent return image check to my previous address (not to address on Federal check where I presently lived).

I really like the type of accounts PNC Bank offers such as Virtual Wallet. I set up a checking account (spend account), a savings account that can also be used in case I write a check or overspend that can be transfer to the spending account right away without an overdraft fee, and a savings account where long term saving can occur by putting money in and not taking it out until I want to take it out. I uses virtual account with debit card all the time and I have checks just in case of merchandise that does not take a debit card such as girl scouts selling cookies or the school selling candles. I like it because I do not carry cash around which I know I would spend if it was there.

I have a mortgage with PNC, they let someone change all my personal information, my sister in law who was taking care of my payments because my brother is on the Deed. The mortgage became 4 months behind before I found out. PNC told me they have recordings of my sister in law changing my address, email and phone number on August 5, 2018, in November my sister in law told PNC I was fired from my employment and then in December my sister in law asked for a payment plan. Pnc told this to me. I was never fired. I am retired and PNC has my retirement award letter proving it.

My experience here had been horrible. Their system doesn’t efficiently update for your activity, so you can’t really keep track of your account. It's literally all over the place. I was charged twice for 2 transactions where I had to file a dispute. I wasn’t aware of the small negative balance. It didn’t show up until I was charged an overdraft fee. I put in money the same day to cover the negative balance and still got charged another over draft fee. Customer service is horrible in helping, don’t even bother! They can’t help you. It has happened to me like 3-4 times.

I’ve dealt with a lot of people in customer service and I use to work in a call center so I know the job isn’t that hard. When I called I was told one thing would happen with my account and there would not be any overdraft fees posted. We got everything sorted out! I wake up this morning to $108 in overdraft fees! I call back and am told I will get a call back, never do. So I call again and they say the same thing. Never get a call. I ask to speak to whoever is in charge and this person was very rude and said “She doesn’t want to talk to you”. I am annoyed beyond belief! I just want what said was going to be fixed!