PNC Bank Reviews

I immediately contacted PNC (my local branch) who was shocked to say the least. He went into the system and say that I was not at fault, that PNC did in fact pay the merchant in time and that they would take care of it. I waited to hear back from him. The next day, he called back and told me that I had every right to dispute this and that I would need to call the right department and file a CRIS dispute and all would be well. "Don't worry Ms **, we will make sure you don't come out looking like the bad guy here", he said. When I called the designated # to file the claim, the rep looked also into my complaint and uttered the same words as the branch Mngr, "Wow, I'm not sure how this happened but we will fix this as this was mailed off on 4/2, so there's no reason they just got it on the 10th. We will fix this right away".

The next day I get a call from my property management company stating that PNC contacted them and said that they don't cover "grace periods" so the fee would stand. I still needed to pay the fee right away. I was pissed. I called PNC right away and was transferred to the "Online Payments Dept". The guy starts talking about how bill pay is not really THROUGH PNC directly, but is actually through Fiserv, which has a policy that they don't do "grace periods", so anything AFTER the 1st is considered a GRACE PERIOD and they would not cover the fee.

Wait, so you're telling me that a system/feature you have on your website that you say is secure and trustworthy didn't perform as you promised it to do, which resulted in a fee for your customer and now you're telling me that you have no obligation to be responsible for it because your 3rd party company won't cover it, even though you originally took responsibility for it and said you'd fix it??? What part of the game is this? If this doesn't sound like the biggest crock of bs I've ever heard! Pissed I asked to speak to a manager but was on hold forever so I hung up but planned to get up and go to my local branch to have a sit down with the manager.

The next day I did just as planned, however en route there I get a call from the "Escalation Dept", I explain how crazy they sound by telling me they can do nothing. He goes in to basically repeat everything the online people said. I said, "I'm SURE there is something you can do?" Well, because Fisev won't cover it it really isn't. "Maybe you can take a letter to your management company and show them how you did initiate early and set up on time, but it was our system who errored?" "Well...if you can say all of that, why can't you cough up the $130 that I now have to pay, AND have to have on my payment history that I paid LATE, when I didn't." After my call with him, I still headed into the local branch (Union City, GA) to talk with Branch Manager. I took a copy of my lease agreement so that he could see that per my lease, the 5th was not a "grace period", but was in fact the allotted time for making payments.

He saw it and completely agreed that the lease did state differently than what PNC says Fiserv was told. He called my property management company (I guess he thought he could get a different answer, but I'm not sure what he thought would happen) and they shut him down. He hung up and was like "uuhh yea, they definitely are giving a hard time and are trying to make sure you pay". WELL DUH!! I was in tears in his office as I explained that this was not fair to me. I am single and have been saving up for my first home since the holidays. One of the base requirements for loan program I'm going through is that you have to be consistent with paying ALL BILLS ON TIME for at least 12 months. Now, WHY ON EARTH WOULD I PAY MY RENT LATE THE SAME MONTH I'M TO MEET WITH THEM FOR LOAN CONSIDERATION???

I did my due diligence and couldn't believe how my bank, PNC was leaving me out to the wolves. He then said, "Ok allow me to make a call and see if this can be fixed another way." I said, "If this is with bill pay save it because they will do nothing. It's sad that I am a customer who has been in good standing and this is how you treat me? I will be closing all my accounts today". He replied, no that he agreed and that he would try to go through a dept that handled Customer Relations to see they could get resolve. I stated that I know the banking industry, and that I'm aware PNC COULD fix this if they wanted to. They have funds designated to resolve customer issues for use WHEN THEY WANT TO. One week went by...nothing. I called the Manager the middle of the next week and said that the guy he reached out to was just getting back into the office and that he should hear something within a day or 2.

By Friday, no one was saying anything. On Friday I sent him an email reminding him the time sensitivity of this matter and how I would be needing something to show my innocence in the matter. Today is 4/24, I just received a call from the Branch Manager who sounded like a broken record with explanation. I called him out on him changing his story now, as before it was "PNC will help you" to, "well because Fiserv says it won't cover there is nothing more I can do." WHO SAID ANYTHING ABOUT FISERV??? I thought you were going through Customer RELATIONS??? Nope, he didn't. And then when I asked for some type of formal letter stating the bank error, he had the nerve to say, "Well, if we won't pay for it, we certainly can't give you anything in writing. I'm not sure what you expect from me".

You don't know what I expect from you??? How about actually STAND UP FOR YOUR CUSTOMER! How about do what you SAID YOU WOULD DO, and OWN your bank error!!! Smh I tell you, if a bank is OK with doing this to their own customers, there is no line of integrity for them. I have spent the whole day blasting them on twitter and will do so everyday for the next several weeks/months. I will be pulling ALL funds and closing both my personal and business accounts and so will my mother effective IMMEDIATELY. HORRIBLE BUSINESS PRACTICES.

They were trying to make it up to me by giving me a new loan officer, this means running my credit again and all that. They asked me for information as requested when getting a loan. They asked for the same thing 4 different times. They don't communicate with each other. It doesn't matter how much time you give them the information they asked for. They always ask it again. One week before my closing date they asked me to lock in an homeowner insurance. My realtor say you cannot lock-in an insurance unless you're sure you getting the house. Things they say they need my green card. I was like, "I gave it to you." It even got more weird when they call my husband asking him if he will be living in the house with me and called me asking me if my husband will be living with me. They even asked for marriage certificate.

4 days before the closing date my realtor asked the loan officer if he needs to put in for an extension so that if they need more time they will have it. He said, "No. You don't need to". 2 days before the closing date they send me a TEXT MESSAGE saying, "We PNC do not accept your green card. You green card must not have an expiration date". (Everyone know that a green have expired date on them.) The following day I had to asked for a denial letter to try save my $5000 earnest money that I had put down. When they finally sent me the denial letter they addressed it to me and not my husband and I. They also sent me a letter in the mail that they generate from March 22, 2017 mailed April 4, 2017. I got the letter April 7, 2017 the day I was to be closing for my house. PNC Bank is the worst. I will never recommend them or do business of any sort again.

When I pointed this out to the loan officer, he insisted on telling me multiple times that in order to change this, we would have to provide comps AND BLUEPRINTS for them to send to the appraisers and then maybe they might reconsider the valuation. I informed him that we had no blueprints and he repeated multiple times that I would have to obtain them.

Finally, trying to get rid of him because I needed to work, I told him I would send some if I could "pull them out of my ass". I don't make a habit of speaking this way to people I am trying to do business with, but as I mentioned, he kind of pressed my limits. I was pretty shocked when this statement was met with him feigning offense. Let's face it; you can't turn on the TV or walk through a local mall without hearing worse than this. After considering his offense further, I have come to the conclusion that this was simply a childish attempt to control the engagement by shaming the customer.

I asked my wife and co-applicant to call back and request a new loan officer be assigned due to our clear personality conflict. So a few days later I called back to learn the status. I was informed that the same person was still assigned to our application at which time I responded that if PNC would not honor my request for a new loan officer, I really did not want to continue dealing with them.

They then had another person call me to ask about the situation and repeat that in order to get them to reconsider the valuation, I would have to do the appraisers' job and include blueprints, which to my knowledge do not even exist. So I'm fed up at this point and having my vacation totally messed with because of trying to deal with these things, and then while answering her questions about my dealings with the other loan officer, I told her what I had said to him that had offended him - not as a direct statement to her, but as a quote; "I told **...". To my amazement, her reaction was identical; she attempted to shame me, admonishing me to not cuss at her because this was supposed to be a professional conversation.

Ok, again I didn't say anything that won't be heard 2-3 times per hour on prime time TV or much more frequently in public places, so this is clearly not a real offense but some contrivance apparently designed to control customer's behavior. And if PNC is using tactics such as this to control customer's behavior, then I suspect that they are using other tactics - like artificially low appraisals - to control their profit margins. Lucky for me, I don't NEED their money, my credit is excellent and every lender in town wants my business and I can be just as well off without the loan. I highly recommend AVOIDING PNC LIKE THE PLAGUE!!

At this point, I learned that the check I wrote was deposited by the first branch a regular monthly payment instead of toward the missed payment. Long story short, I have $145 of fees for a missed payment of $111.58. I am livid with the bank. They are unwilling to waive anything which is beyond unreasonable. This is not the first problem I have had with them. PNC is one of the more aggressive banks for credit but beware... they are terrible to deal with. Absolutely the most incompetent people work here.

This is the second time this has happened within a month. I check my account twice a day. I look at my balance, look at my pending withdraws and my available balance and that's what I go by. I was told by the bank that I shouldn't depend on my available balance. They said I should keep a written ledger. Shouldn't your available balance be correct? This happened on the 13th of March. Now today is March 27 and I still have pending transactions from March 24.

Now I guess they are waiting to send all in at once again like they been doing. They said all banks do it this way. I talked to some of my coworkers who have different banks and they said they never have that problem. Even when I go to the bank to make a cash withdraw it shows pending for two days on my account. I made sure that the money was in the account at that time and they sent in five pendings at one time and it made me overdraft. I think it's time for me to look for a new bank and tell everyone I know to stay away from PNC.

I went in to deposit the small amount and was informed that my account was closed. In the meantime, my taxes had already been filed. In short, my electronic tax refund should have been rejected because the account was closed. PNC deliberately LIED to me when I went in to take care of the overdraft balance. They did not want to honor what their representative told me so they chose to wait and intercept my tax refund. They took out a total of $164.00 above the original $8.98 overdraft. Then they had the nerve to send me a check for the balance stating that there was an "OVERPAYMENT" on my account, as if they were doing me a favor. They lied to me about the account being closed, then they stole my money. They chose greed over customer loyalty or fair dealing.

Today I get a letter from my insurance company stating that my payment is late. PNC bank took $845 from my escrow account and made a payment to the wrong insurance company. I called my insurance company and they confirmed they did not get a payment. So I called PNC and that's when they hit me with the bomb, "We sent the payment to the wrong insurance company." I told the girl to make the payment asap and what they did was take the funds from my escrow account again to pay the correct insurance company. I asked her, "Why are you taking the payment from my escrow account. It's the bank's error???" She then went ahead and transferred me to another customer service rep and nothing was resolved.

Why does such a Billion dollar bank abuse its customers this way. Why didn't they just pay out of their account??? Why charge me twice for their error. Let the insurance company they paid in error deal directly with the bank, why do I have to watch for that other insurance company to credit my escrow account for the payment they received in error. I dealt with 2 associates in Ohio. I don't want to mention their names because they are just doing what the bank tells them to do. I am looking to refinance just to get my mortgage out of PNC Bank. I asked for a reference number and they don't have one to give me. My biggest fear is that this double deduction is going to throw my escrow account off and increase my mortgage payments. Please Help!!! Thank You.

Here is the thing with PNC Bank. They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so. They do not allow the customer even a minor time period to monitor and correct their account's ever fluctuating balance because they want to charge fees and grow their bottom line. As a customer of PNC for over 25 years, I will find another banking institution soon. Until then, this aware and dissatisfied customer will refrain from using their products very much.

This young lady has saved thousands of dollars through her great job at Chick-fil-A, and her family will not let her withdraw any of it. She is trying to register for classes at the community college, by a car, and has no access to this money because her family won't let her. In fact, after speaking with someone at the home office, they said her father could spend every dime and she would have no rights to her money. All of her money is traceable through her job paychecks, and I would like to know what kind of bank would set up a custodial account for a child that even though they become age of majority, they could never access their money? She could be 95 years old and still not be allowed to touch her account!!!

I am grateful that I have never banked at PNC, would never set up an account like that for my own children, and would recommend parents not set up accounts like this for their children. We are crippling our country's youth by not teaching them how to manage life on their own. Thank goodness this young lady has now set up a new bank account, with a new bank, and started new savings for herself. Shame on PNC for having accounts like this and shame on her parents for getting her set up in it. If I could give zero stars or negative stars to this company I would do it.

My wife quickly inquired as to "both accounts", at which time she learned that the PNC rep had also closed our checking account as well. My wife corrected the PNC rep and stated that there should only be one account closed for our son and to please re-open our checking account. The rep repeatedly stated that he could not stop the account from closing and that we would need to re-open the account in person by signing a new agreement, plus wait for the balance of our account to come by check and then re-deposit it into our account. Furious, my wife asked to speak to a manager. Upon speaking with the manager, the manager reiterated the same thing and even told me the same thing when I called a few minutes later to inquire.

Now I am forced to take time off of work in order to drive to the nearest PNC branch office (25 minutes away one way), sign our names again in order to re-open an account that we didn't wish to close, plus wait days to receive our account balance check in the mail, then have to redeposit those funds in order to refund our account and hope that none of our bills go overdue or unpaid! Unbelievable that with all the computer advancements we have today we actually have to wait longer and be more inconvenienced than if I had to ride my damn horse down to the bank in the year 1817! I will be depositing my check and my future banking business in another institution other than PNC upon closing my account once this is resolved! Terrible customer service and terrible business processes!

Original Review: Feb. 8, 2017

I had 30K SkyMiles I wanted to redeem before the December 28, 2016 deadline. I called the 800 number and talked to a representative who told me to go ahead and purchase an airline ticket before the end of December and the SkyMiles would show up as a credit on my December statement. This did not happen. I have spent several hours and numerous phone calls trying to get the SkyMiles credit, but to date it is still unresolved. When I asked the customer service rep what she was doing to help resolve my problem, she rudely informed me that she "was not going to disclose what we do internally." And that I was "not her only customer." How's that for customer service?

PNC has not upheld their end of the SkyMiles agreement and I cannot get an answer from customer service as to why the miles were not redeemed in December, or where the miles total can be located. I have redeemed Sky Miles in the past with no problem, but now, with the termination of the program, I feel PNC has somehow screwed up on their end and will not offer me an explanation. I have been a customer of PNC for many, many years, but have decided to move my business to another bank as a result of this debacle.

I filed a complaint but not publicly, hoping that PNC can used the feedback to improve their service. To my surprise, few weeks later, I received a letter basically saying, I was mistaken on all of my complaint. I cannot believe it. I did a online external withdraw to pay my loan, I did twice, my mistake. However, I cannot remove it. I called, no help. I visited the local office, I was told I must do it online by myself. I was very upset for I have spend more than 3 hours try to get one transfer removed via their website. I insist on talking to a officer. Then I was told they are short handed and will call me the next day to set up appointment. 4 or so days passed. No one called. I went to the same branch again, insist on talking to the officer to get it resolved. Somehow, she got it down. Removed all of the external transfer.

I then used void check for the same loan payment via my other bank. Somehow, there were two withdraws. Could be my mistake. I went to an office: "you have to do it online. nothing I can do". "Can I withdraw $700 due to extra money transfer for I don't have debit card". The answer: "yes, there will be $7 plus". That is, without debit card, if I want to draw money from my account, I must pay $7 plus; if I want to get the debit card, I still need to pay $7 plus. Lose lose proposition. Please don't send me any letter. I will pay off the loan in few month.

I just called customer service today (9) days after this request and was told that the reversal was never requested on 1/23 and the only thing that they could do for me was to request a reversal today!!! So right back to square one where I have to wait 10 days to have MY money returned to my account with no way to expedite this request even though I had requested this reversal 9 days ago!!! This customer service is ridiculous!!! How could it be that difficult to return my $600 to my account that is also a PNC account. It's not like I paid a different credit card with that money, it literally was transferred within the SAME company. My husband and I will be pulling our money from PNC immediately and never return. UGH!!!

They return a check for $22.71 3 TIMES and charge me a $36.00 fee each time, but send a check thru 2 days later for $100.00? Now something is shady... And when I call all I am told is again the "system decides"... I will no longer do business with this bank and will be telling all my friends and family to do the same. Because of these fees I am about to lose my house, car, electric, phones. It's horrible!!!

This morning, I woke up, guess what, no money coming back. I called, the answer is tomorrow again. Meanwhile I wrote a paycheck to USCIS as $380 dollars and the payment I cancelled is $400. Now even the $400 comes back it's not enough to cover the $380 check anymore because they charged me extra $36, so either they pay for the check and charge me again, or USCIS got a bounce check, which I want to avoid. Ok, I will have to let you charge me again. Nice move. Why your overdraft didn't happen the same way like 3-4 business days, at least 2 business days later? I'm leaving, say for sure. This is the best I can do.

I also was on my 4th trip to this branch to sign a paper so that I could transfer money between my business and personal accounts. I drive 33.7 miles ONE way to go to this bank, 67.4 miles round trip, and this was my fourth time calling ahead and being told to come and they would do it, just to get there and be told they are too busy and can't do it. I told her that I would be closing my accounts since I had been making trips since October to get this done and they were still not doing it. She did not like what I had to say and told me until I would sit down and listen to her, she was not going to cash my check. She handed the check back and told me to call the 800 line. I went outside and called the number and told them that the teller was refusing to cash my check. They looked over my account and said there was absolutely NO reason for her not to cash it. They told me to go back inside and cash it.

I walked back into the branch and went to a DIFFERENT teller and told her to either cash it or close both accounts, but I needed my money. The first teller walked over and told the second teller that no one else but her is allowed to help me. I then asked on several different occasions that they close both my business and personal accounts. The teller refused. She would not let me get any money out of my account. I immediately called back to the 800 line and the representative tried to call the branch and tell them to cash it, but the branch had already closed. She then filed a formal complaint with their retail escalation department and assured me that someone would contact me Tuesday January 17th.

On the 17th I called to the branch and spoke to the branch manager and explained everything to her. I also informed her that this was not our first problem with this account. I had already been banking with PNC for some time, but had never used this particular branch, I was told that this branch is the only one who can do anything with a business account. It seemed strange to me that I could only use one certain branch, but I scheduled the appointment anyway and decided I would just start using that branch. I had an appointment set up to open my business account and arrived at the bank just to be told that the only lady working at the bank that deals with business accounts did not come to work because her kid was sick.

Second red flag, I can only use one branch and one certain banker for my business account. And she did not even bother to call and tell me not to come! She let me drive over 30 miles one way and she was not there. So, I got very upset and another banker helped me. He did not know what he was doing to set the account up, could barely answer any of my questions, and continually had to keep calling the lady that did not show up and ask her questions. If he called and she did not answer, we had to sit and wait for her to call back. It took me almost 3 hours just to open a checking account. He assure me that this is not normal practice for them and it would not be like this all the time. He also said that I had to come back and see the business account lady when she was available so we could discuss what type of account I needed and make sure the one he opened would work for me.

She finally called me over a week later, and did not discuss anything about my account being the right one for my business. I called and made a complaint and they assured me that from then on I would get the help I need with my account. At this point, over a week later, my husband still did not have his debit card. We had received the pin number, but not the card. He drives a semi truck and has to go all over the country, he needed his card to pay for fuel and expenses. I called the 800 line to ask about the card and was told that the banker who opened the account had never ordered the card in the first place. So I asked to please get it ordered because my husband had to have it for work. They said they couldn't do it and I had to go to the branch.

So, another trip to the branch. Once again, the only lady in the branch who can handle business accounts was not at work. She was sick. So I told the same person who opened my account that he did not order my husband's debit card. He seemed amused about it and said he would order one. My husband asked for someone to speak to us about our account because he had a few questions, we were told that they couldn't answer them, we would have to come back and speak to the lady who handles business accounts. The same lady who is never there.

Finally, another week passes, and my husband's card came. But, we still did not have the new pin number. We called the 800 number to get them to assign a pin so my husband could leave (He was loaded and had to be in Indiana the next day) and they told they can't give him a pin, he has to wait for it in the mail. He explained that this is his business account, he had to use it to pay for fuel, and he was loaded and had to go. They told him to just use it as credit. He explained that he was not using it as credit because truck stops charge a higher fuel price if you use credit. The guy told him again, just use it as credit anyway.

My husband finally said "Ok then, if I ran it as credit are you going to pay the 20 cents a gallon difference that it will cost me?" The guy asked what he meant and my husband said, "it costs 20 cents per gallon more if I use credit. It saves me 20 cents per gallon to use debit." The guy then told him he was sorry but he couldn't do it. So my husband told him to set an appointment because he was on the way to the branch to close the account and get his money. The guy then told my husband that wouldn't be necessary, and he went ahead and set the pin number up.

From that time until now, I have made 4 trips to that branch to sign the paper to be able to transfer between my two accounts and still did not get it done. It is now Wednesday the 18th and NO ONE, NO ONE at all from PNC has called me to discuss this! I called their Corporate Head Quarters and the lady I spoke to told me that I was wasting my time because the teller was within her rights, that PNC doesn't cash checks.

I said "ma'am, I have cashed MANY MANY MANY checks at PNC". She told me No I haven't, because they don't do that. I said "So, you're calling me a liar?" She said, "we don't cash checks". I said, "it is MY CHECK WRITTEN TO ME!" She said "we only deposit checks". I said "number one, I have cashed more checks than I can count at PNC, so stop calling me a liar and number 2, how can I deposit a check into the same account it is written on? So, I write the check and deposit into the same exact account I wrote it off of then I can get my money?" SHE SAID YES! I can NOT believe that she thinks that is possible and she is the banker!! Please do NOT EVER use PNC for any reason at all! They DO NOT care about their customers!!!

Fast forward a month later I had paid my online bills one day, well they held payments for over a week. They gave the excuse that since it was during the holidays my bills were held from being paid. I made a few purchases and the next day I get an email saying I had overdraft fees. I'm like what, I have money in my account. When I go to check, my account was an -$150. They had applied four overdraft fees. I called them about this and they had paid some bill that just came in from a while ago and paid the remaining bills.

So every time a bill or payment went through they penalized me $36. I had a fit and they refused to give me any of the one back when it was their mistake and their laziness that caused the issue. On top of that every day my account is negative. They take $7 from it daily until it's no longer negative. I'm beyond pissed at this greedy bank now and am in the process of closing all accounts with them. This is a shame and should be illegal when they are holding my money and taking it as well.

I'm planning to get rid of them soon. They have turned fee happy because this isn't the first time this has happened.

My rating is only for it being resolved and not for the bank.

Original Review: Jan. 6, 2017

My December 2016 PNC statement shows they will start charging me $7.00 on June 1, 2017 for my Virtual Wallet account which I have had for several years. A couple of years ago this was waived if I didn't use services inside the bank and only ATMs and my phone. Not anymore. Now essentially I am paying to use those services if I don't keep $500 in my account. In December I had more than $500 in my account, but had to use it for other purposes with the intention of replacing it this month (January 2017). PNC didn't give me that chance. They charged me the $7 prior to receiving my December statement without any notice in previous statements. I find this unethical and it should be illegal.

I talked to someone in a PNC branch and they were clueless and could not tell me anything about it. Even the branch manager had no idea what I was talking about. Unfortunately I did not bring a copy of my statement with me. Why are they charging this fee when it is now January not June? PNC is all about the almighty buck. As soon as I get my direct deposits switched over I'm getting rid of them. I'm tired of them changing their policies on a whim.

I think customer courtesy and loyalty goes a long way and they don't have either. Consumers are way smarter with many more options today. I am switching banks, moving to credit union. It is appalling the theft and the lack of protection consumers have. By the way, I have a small business account with a significant balance (over $400,000 balance) that I am switching to another bank. They didn't care about me but they seemed to care about my business account.

They told me 2 days before December 16th that we wouldn't be closing until the following week. That week came and went and now they told me that if the loan doesn't close by December 27th (which it isn't because of them), they are going to increase my rate. They have had all paperwork that they need since November 16th. The documents that they keep asking for, the mortgage officer, claims are in their files, but that they don't look back into the files so they just keep asking for the same documents again. I can prove that they have the documents because I have emails confirming from the mortgage officer, that the documents were in his hand. Patricia from Chicago Office (the actual loan officer that approves everything) doesn't know her ** from a hole in her head.

She is the one that keeps telling me we need documents that I have given them 7 times already and she never returns phone calls when you try to find out what is going on. On December 16th (original closing date), I received an email saying that everything was finally approved and congratulations. Then I got a text from the mortgage officer saying, "No that's not right, I'll have to speak to my IT Department about why they told you that, because it's not approved." After telling me that this loan would close before the 1st of the 2017, the mortgage officer's boss (Anton from the Hamilton Township NJ Branch) said "Nope, no more closings. We are too busy." I think he is just stalling so that they can increase the rates.

They are rude, and on several occasions have cursed at me and told me to "relax and chill out," which I have in writing through emails or text messages. Well guess what PNC, you are losing this loan. I am seeking alternative financing and things are working rather quickly with this new financing. Please buyer, do not use this bank for anything. When this is all completed through the alternative means, I will be filing a complaint with Banking and Insurance in New Jersey as well.

This is nothing but consumer extortion, in my opinion. Hasn't gotten so bad that these big corporations need to nickel-and-dime prospective customers every single penny just so they can continue to everybody else? I would understand if my own bank charge me a fee to process a third-party check but to be charged $10! $1 fee for non account holders would generate money for PNC Bank. More people need to stand up and address its abuses and challenge these bad practices.

Right now my account is sitting at a nice -$89 even though my paycheck just went through last night. Why was I overdrafted if my direct deposit just cleared?? Because PNC likes to steal money from poor college kids. I double checked my account at midnight because I had a bill to pay. No overdraft. Paid my bills and figured that was that. Two hours later I get an email I've been hit with the fee. I double checked my statements and my bills haven't even gone through yet. So I got charged for a pending transaction that just went through...AFTER my direct deposit went in??? It makes zero sense. My holiday is basically over now because I can't afford to pick up gifts for my family, I can't afford to fill up my car, or even eat.

This has happened so many times it's honestly ridiculous. Contacting customer service about these issues is like hitting a brick wall, they berate you for not having extra money inside accounts to protect against overdraft. That's the most entitled response I can even imagine, the solution to not getting overdrafted is having more money! How about an accurate bank app that their PNC claims to provide? How about listing all my pending transactions instead of hiding certain few? I've been told to use a passbook to keep track of my transactions on paper, but again...the online banking is what I got the virtual wallet for...so why am I being so punished for using their services? I'm at my limit with this horrible bank and will be leaving immediately.

They waited to apply money I spent until they knew it would overdraw me, but in that case it still wasn't enough, so they adjusted my previous available balance in order to steal just barely enough money from me to overdraw my account. I called them, very upset, and their response was that it was impossible for their website to be wrong, and flat out refused to answer my question if they knew it would implicate them. And this isn't a one time thing, it has happened again. I will be switching banks. Don't go near these thieves.

It is true that one cannot deposit a business check into a personal account but depositing a personal check into one's business account is completely fine. Plus, it was very simple to check us out. We have 4 credit cards, 4 debit cards, 2 checking accounts, 1 savings account, 1 Equity Line Account and 1 OverDraft Protection Account. We had Driver's Licenses, Passports; we could provide security information, it was unbelievable. We had driven 45 minutes one way to deposit checks. We had to take another 45 minute drive to get to our branch and then 30 minutes home. Credit Card issues are never resolved in a courteous, business-like or timely fashion. Their fees are outrageous.

I am slowly moving my business towards other credit card companies. I am going to use Square for credit card payments from my customers. If you are not already involved with PNC don't take them on as your financial institution. I could go on and on about unsatisfactory PNC service is but I simply don't have time to write it all out.

I filed a police report and print out all the emails (by the way my email is been blocked since that day). The lost dept told the call the client and he said he was going to deposit a ck so they can give me my money back, but the lady Gail ** from PNC lost dept said they are not giving me my money back, that their client has to get in touch with me personally, but they not giving his number. So it was PNC's fault for not verifying the name on account when I made deposit like other banks do.

They are stealing my money and if I don't get it back I'm going to file lawsuit against them. It's not fair they letting this criminal walk away so he keeps scamming other people. They have been proven to be cheaters and scammers and they stole my money. We all need to email the Consumer Federal Protection Bureau and file a class action suit. I am not sure if the Federal trade commission has anything to do with it or not. I suggest we all file and I have also file with the OCC and told them I am tired of the collusion and corrupt government practices. PNC is insured, so instead of giving small amount I will file criminal charges. If anyone supports the CFPB action, please comment.

The app is a diff amount than the online, which is diff than the atm ledger balance, and all usually different than your paper total. I feel like they do that on purpose to catch people. It's not hard at all to sync these accounts to give you a correct balance. Any who if someone can just please explain why with no coverage my money was taken right out and my total was usually right the following morning vs the overdraft coverage where I have 2 wait 2 days for things to clear and they blame it on when the company processed their business especially when it's the same business both times. I'll be looking for a new bank. If I can't trust you with my money then I can't trust you for my business.

It's really a shame looking into this bank on this website now, after having an account with them for years. It seems they're in a really sad state of affairs and I'm cautious about continuing service with them. Seriously, the big man in the suit was breathing down my neck today like he didn't have time to talk to me and I just don't appreciate it. What the ** is wrong with you people, the machine obviously ate my ** money. It's unbelievable. These banks are run and owned by money-hungry non-humans. They're preying on us, pretty simple to see. It's unbelievable how untrustworthy they are. He says I've got "nothing to worry about". OK. Well, obviously I do if my account says "dispute pending". What if they decide I was lying and take the credit away that they put there? Makes me cringe.

When we complained about her to the regional branch manager, he and other bank management retaliated and closed our respective accounts, informing me, instead of my wife, about her account (which is very chauvinistic). They indicated that this was their prerogative and that they were not accountable to the Federal Reserve, the Office of the Controller of the Currency, or any other regulatory agency. They are the worst.

I called and spoke to Sheena in the escalate department on Tuesday. She assured me everything would be refunded by Wednesday. Here I am on Thursday not hearing back from Sheena. I call again and speak to someone new and she informs me there is no note on my account that Sheena ever did any request with my refund. So yet again I have to wait till I get my money back.

Now, I just discovered another unethical practice they use to bilk their customers. I keep track of my balance every time I put money in PNC and immediately replenish money if I think there is even a remote chance that any of my checks will bounce. But, I have an overdraft protection line of credit that is directly connected to my checking account at a whopping 19% interest, so I am very careful about keeping the checking account solvent. Imagine my shock and ire when I got a $36 fee for exceeding the $500 limit in my overdraft protection. Then, I got a letter that I owed $256 on my overdraft.

When I went to talk to the manager at the Camp Hill, PA branch she informed me that I owed over $500 in overdraft. Evidently they pick overnight when the checks clear, and NOT INFORMING THE CUSTOMER, they then keep crossing my checks in the middle of night and thus charging more fees and interest. Even though my checking account showed a healthy balance, they were secretly using the account to get their fees and almost usurious interest rate for a month without my knowing about it. Quite ingenious way they fleece the public. I immediately paid off the overdraft "protection" account with cash, and they dropped the $36 as a "courtesy" but when I requested a mere $500 increase in the overdraft protection amount to stave off another of these travesties, the lousy bank denied my so called "loan" request!!!

NOT ANYMORE: When I saw the fee and got the push back from PNC, I reached out to a mortgage company who is happy to refi my loans, actually at a lower rate. Moreover, the bad will I will put forth will certainly cost them future and perhaps current customers. To PNC I say... enjoy the $7.50. Um $7.50 vs $50K vs good will... I'd sell my stock if you have any.

My first house mortgage with the business was a terrible experience. The person working with me directly made promises she did not fulfill, timelines that were nowhere near what she promised, and lost documents more than twice which left me unsatisfied and when I mentioned these problems I was apologized to and moved on. After the first business mortgage I assumed I had a single bad experience and decided to give PNC a try for the second time. I assumed this would be an easy transaction since all my other accounts were there and switching banks would be a huge undertaking. To my surprise I received the same treatment. Following that problem I went to a PNC branch and spoke with a lady who was more than accommodating. She did the best she could do to put PNC in a positive light with respect to what happened and even convinced me to open a business credit card account.

As result of her doing so well with helping me out I did open a business credit account which I was very pleased with for only a couple of months. One day when I went to use my business credit card at a store for supplies the card was declined. I knew the card was nowhere near maxed out and the declination must be the result of a security feature, which was not a problem at the time. I was actually somewhat pleased and assumed PNC was watching out for me. Therefore I called the number on the back of the card and spoke to someone who said my credit card number had been stolen and the card had been maxed out. At this point I assumed there was still not a problem and PNC would simply fix the mistake. Then I was told PNC could not immediately fix the problem and it would take a couple of weeks. At this point I was inconvenienced but still not the end of the world; I paid for my materials and moved on with life.

I continued to check on the status of the card and each time I called the credit department I was given different answers. Finally when someone would answer my questions as to when the card account would be corrected I was again told a couple of weeks. Then when I asked how the card number was stolen I was told the bank did not know. I was also told the card number is supposed to be unhackable as a result of a double account number. Which meant nothing to me not being a banker but assumed it was for my own good.

I called back a period of time later to again check on the account. I spoke to a different person and asked how the account number was taken and used. The person on the phone told me they did not know, their security team was looking into the problem and they suspected someone on the inside of taking the account number.

Nonetheless the problem was resolved and life continued on and the account was reactivated. I used the account for purchases over the next month and checked the card online. After I used the card the balances were not showing up on the account side of the card to make a payment. I called the branch; they told me there was nothing they could do about the charges not showing up on the account. I let a week or so go by and still the charges were not showing up on the account and I had been told every excuse you can think of as to why. It was everyone’s fault by PNC’s. Finally, I called the number on the back of the card and explained again PNC was not charging me for items I was purchasing so I stopped using the card and the money was kept aside in an account.

Next, two months later I got a notice my card was over the limit and I was being charged overage charges and fees. At this point I lost my mind. Called PNC, explained the situation and I’m assuming they did not believe me nor did they have my recorded calls of me telling them they were not charging me for items I was buying. I called and offered to pay to close the card and the account, explained the security issues and asked they remove the interest and the fees they put on the account. PNC refused to do any of this even after explaining the problem several times. They simply did not care, it was their fault. I would absolutely agree if I were the one that screwed up.

Further, the debit cards. I use my debit card several times a day; often to buy fuel. For an unknown reason gas pumps do not care for worn out cards therefore I go through about three to four debit cards a year. With my work schedule and finding a PNC Bank going into the branch to request a debit card was difficult. I was never in the right place at the right time. I called the branch I attended when I could explained why I was having a hard time making it to the branch and asked if they could mail me a card. I was told several times no.

My wife (who shares all the same accounts as I do) called the number on the back of the card, asked for a card and the thing was in the mail in no time. Then after an argument between us, me accusing her of lying for being able to call the number on the back of the card to replace the card and her accusing me of the same for saying she would never get a card without going to the branch I called the number and got a new card mailed to me in no time.

Next issue. My son had a checking account that was linked to ours; I believe it’s called a virtual wallet so my wife could teach him paying bills etc. To my knowledge this account went smooth. However, three years later when we attempted to get the same account for my daughter my wife was told my daughter could not have a checking account because she was under 18. This sounded crazy and we knew she could have an account it’s advertised online. My wife went to another branch and set the account up no problem.

Finally, for a third mortgage. Now having even more accounts with PNC and keeping my fingers crossed I was going to cross this bridge again; dumb move. Here is how it went. I was requesting a $27,000.00 preapproval letter to buy an income property. I called the number for the mortgage section from online because from the last two experiences I did not want to deal with a branch. I scanned and set over all the information the lady requested. The second day I told her I wanted to add my business income to the figures, she said "no your income will cover what you need to do, everything looks good."

Next day, I get a call back asking for the property address of my business. No problem I supplied the addresses and all the financial information that goes with those. Three days later she called me back and advised houses that I own free and clear I could not use because I have not owned them for more than two years, therefore that could not be configured in the numbers and she asked me for a statement from a retirement account. No problem I sent over a statement advising I had approximately 25,000.00 in it. I was only requesting a total of 27,000.00 and did not intend on taking from the 25,000.00, on top of that the property I wanted the money to buy had a much higher value than 27,000.00 which was more than I was going to have to pay.

PNC called me back and told me they were declining my loan, but my credit score was excellent which did not make any sense to me but ok. I was referred to another financial institution by a friend and told to give this guy a call. I explained the situation to the new guy. He said doesn’t sound like a problem at all and this time I requested 70,000.00 to buy houses. He requested I email over my previous years taxes via a secure email, which PNC does not have. Probably why the business credit account was hacked and asked I complete a couple questions on an application.

For this transaction it is important to note, I have NEVER been to the bank before, never called, have not received junk mail, I did not even know they existed. The guy called me back 2.5 hours later and asked me when and how I wanted my money. I was blown away. That is service. With that being said no matter what it takes I’m switching all the accounts from PNC to the new bank. Someone that wants and appreciates my business as I do for my customers.

These loan officers just wanted some money from me and thinking I'm just stupid to listen to their lies and jokes! To make the story short I didn't continue with the loan and I really wanted to see a lawyer and sue them for damages for all the troubles that I went through trying to comply with all their requirements. I would never recommend anyone to PNC Bank!!

Now if the same thing happens in your main account, they will cover the ACH amount (even though you will be in negative for the ACH amount) charge you whatever the amount is for the ACH PLUS the $72.00 which is $36 twice along with the $7.00 per day until it's paid. PNC is ripping the middle class hard workers off! I had fraudulent activity on my "joint" account with an associate of mine so I took them off of my account closed the account and opened a new account. PNC then eventually reopened that account without my knowledge because of the ACH and then closed this account again within about 13 days. I was advised all was well and done and that my name was not on any other accounts with this associate.

Well the associate had their own account and I was listed for minor services as in the event something happened in death etc, well their account became negative and per PNC customer service once an account is in the negative after 14 days it closes out (SUPPOSEDLY). Well PNC tracked my account down where I'm listed alone and took $500.00 from my account to pay this negative balance in this associate's account without my knowledge (this associate's account has been negative for 26 days) now my account is negative due to the transactions I made which should have cleared because I had more than enough money to cover it before this $1,000 hold on my account to cover a $500.00 debt from someone else's account that I was listed on. Not to mention, I COULDN'T EVEN ACCESS MY ACCOUNT FOR 3 DAYS!!! Now I would understand if the account was from an outside bank but it's PNC to PNC.

It's sad they have to collect money like this from individuals. I plan on posting this on social media and getting the news involved. This site has 699 700 complaints, including mine, on the unfair treatment to their dedicated customers. The kicker is that associate's Reserve account was negative and they just took over $70.00 from my Reserve account to pay that balance so the balance was $-1.56. The associate went to pay this balance today 09/29/2016 and their account is now clear. They left the bank but went back to make sure the account was CLOSED OUT! Now the PNC representative states they need to wait until tomorrow 09/30/2016 until the CASH payment of $1.56 that was given has posted to the account. Since when has a cash deposit NOT been available to you on the same day you deposit the money into an account - NEVER! It's just ridiculous and a complete RIP OFF.

Then you have EVERY LAST customer service agent telling you different information when you call in. I can call and hang up just to keep calling back and all 20 people will tell you something different. Nothing is in order and there is NO structure, no mandatory guidelines and everything seems to change on a daily basis, just to pacify the customer with a complaint. The only ones affected are us, the consumers that put tons of money into this raggedy piece of a bank called PNC BANK!!! I wonder what Robert Q Reilly, the CFO of PNC Bank, thinks of all of this...or has he turned a blind eye to how his low level employees treat the hard-working customers who keep the bank afloat! THIS IS ABSOLUTELY RIDICULOUS!

I went to the local branch and branch manager said she would call me the next day. She never did, so I called her and she said she would call the next week. She never called. It's now been 23 days since the debits posted and I when I called today, still no idea when the investigation would be complete or when I would get my money. But they were able to close my account and not tell me. PNC is useless! They are using their power as a big bank to steal their customer's money. Do not bank with them. I am still waiting for my money.

To my utter surprise I went to use my debit card the next day and it was declined 3 times. I called the number on the back, was sent to a branch who said she could not help me. She told me to call again. I did. I was told after a long wait that my card was suspended and they could mail me another in 5-8 days. I said that was not acceptable as I had no way to access my money and no way to get gas, food etc for me and my son. I told the lady I specifically told the man yesterday I did not want to file anything if my card got canceled that I would need to go get money first. He assured me him filing it would not affect my card. So he flat out lied. She said he did not cancel card, their fraud department did. Passing blame around not caring the huge impact they had by not allowing me access to my funds. They said they cannot undo a Fraud alert. We all know it is a punch of a button.

In this day with computers, they very well can reactivate a card in a split second. Especially when it was their error. But they refused to. Also, should they not have verified by a telephone call to me before canceling my one and only means of access to MY money? Just all around a failure of customer service. They care no one bit about customers and I will close my account as soon as I get my new card. Until then, a bank is holding my money without my consent. No wonder everyone hates big banks. I am so very disgusted with everyone I encountered.

Their customer service individuals still leave out detailed information about the process on purpose with scripted answers and when they transfer you to different departments they too are also telling lies to delay any process for you. They apparently lie about sending your money out when they have in fact not sent anything at all. This is my last straw contacting this bank for MY MONEY BACK. PNC bank you are STEALING. Terrible customer service. Terrible bank. Terrible practices. My complaint to the Federal Reserve is in the works. I suggest others to do the same.

So yesterday I went to the branch where the deposit was made to see if I could move things along. The representative took down my information and said he would call back the following day to see if he could get it approved. He called back, and I got the same line about the custodial account, so I called customer service again. I explained to them that it was an UTMA established in my name (which was clearly listed on the check) and that although my father was the named custodian on the check, because I am older than 21 and because of the nature of UTMA accounts in Pennsylvania, I am in fact the legal custodian. I also explained that I have deposited checks from the same source written out in the same way to my PNC account without issue. After talking to 2 more customer service representatives PLUS the retail escalation manager, all I got was the same line about custodial accounts.

I asked why they accepted the checks in the past, and I was told (paraphrasing) that PNC can change the terms of the service at any time so I can just deal with it. Also, despite being told on Friday that the checks had been mailed, I found out later that they weren't mailed until Tuesday. They blamed the holiday weekend, but the checks were rejected on Thursday. Friday wasn't a holiday for them. Couldn't they have mailed them Friday? Normally, I would just suck up my beating from PNC and move on with my life, but I placed a deposit on the kitchen cabinets that I was going to buy so the guy would hold them for me until this coming Saturday while I get the money to clear. Now I'm worried that I may lose my deposit all because PNC's policy is to apparently do whatever they want whenever they want.

Additionally, last December I deposited two checks from friends of mine into my checking account, and then I placed three currency exchange request for the amount on the checks they gave me plus money that I had just transferred into my checking account. A week later I received a letter that they "forgave" me for over-drafting my account. Apparently, the currency transaction executes in the PNC system immediately even though deposits only go through at the end of business. I didn't actually receive the foreign currency from PNC for close to a week, but in their system it was already a withdrawal.

I guess my issue is that PNC makes PNC policies. A company that cared about their customers might alter their policies or bend them if they placed undue hardship on the customer. After all, they are the ones making the rules. Not at PNC. At PNC, the rules are the rules even if it causes hardship for the customer and there's no legal requirement for them to follow the rule.

The person who called said they just started with PNC and there has been a lot of turnover. She had no answers to any of my questions/concerns. After another week of waiting she called and with few answers and left me with completely dissatisfied. I told her that this experience has ended any future business I would do with PNC and she responded that she would feel the same way. Congratulations PNC on losing another customer.

I go back into the bank on Sept. 7th, 2016 to find out what is going on and once again there's "nothing they can do." They couldn't even tell me when the account was closed for the credit card FROM THEIR OWN COMPANY!! I had to find out from the credit collector that my account was not closed before the 10th of June like I was originally told by Shanice ** in the Forest Park branch ran by Tiffany **. It didn't seem much of a problem for them that my credit is being messed up over information I was given by ** employees at the Forest Park branch. I don't understand why they have people working there to assist you if they don't know what's going on. They said it would be 7-10 days before I would hear anything from them on my account information.

You'll continue to see more and more reviews until this problem is solved but by the looks of the ratings PNC already has, it seems as if they do not care about their customers problems. They just create them and want you to pick up the slack for their mistakes. Horrible bank and horrible people working in these branches. I would not trust them with your money. Be careful and keep track of all the lies they tell you or you'll be in my shoes.

Now they have us relocating so I am in the middle of moving myself my entire household, driving two U-Haul trucks, my car, and a rental car. So last night we were driving back from one trip with one left to go and I was asked to renew my rental car again since I had it for 5 days. No problem. Deposited 1,350 cash. Transferred the balance to my credit card account. So I can see the balance as soon as it's posted. Made the transfer from reserve account to checking after the teller deposited cash.

Then I drive in Labor day traffic with kids in tow to renew the rental car before we all make our final trip to Florida. Card is declined at Sixt to my surprise, so I telephoned PNC customer service and they said that everything was showing normal, then she went to dispute the fact that the teller deposited cash and made a single transfer while placing me on hold for over 15 minutes and transferred me again to account retention. Account retention? My confusion was apparent. They proceeded to tell me my accounts were closed. "What?" She said "I believe I made myself clear." She proceeded to read me something about PNC reserves the right to close accounts at any time. Etc.

I said "ma'am you do understand I've had these accounts for almost a decade?" She said "yes, I can see that here." I said "okay are you closing my business accounts?" She said "no of course not." I said "I just deposited $1350 in cash, and in the 19 minutes it took to drive here you closed my accounts?" She said "yes." I said "so you can see that I have regular car accident settlement payments going to this account? One is for $3,000 due on the 5th of each month?" She said "yes they'll mail you the balance within 30 days, have a great day. Thanks for choosing PNC." So what makes a bank strand a person in the middle of a interstate move at a rental car facility with children, animals in tow, U-Hauls rented, new utility payments pending, while swallowing that person's pay, car accident settlement payments, and child support payment? For 30 days without a single explanation?

Even the branch manager of the bank I made the deposit at was horrified. She had tears in her eyes while she told me she was sorry and she even tried to get my deposit back since it was only an hour later, but the person that handles it was gone for the day. The branch is amazing. I've banked there for years and they know me very well, and my kids by first name. I've made two late payments in my life while getting divorced 6 years ago but not since. This isn't a bank, it's a throw all your bills in the air and roll in them kind of place. I've been seeing as more banks switch to the chip more individuals like myself are being screwed left and right. It's criminal really.

Clara fixed that as well but it was very frustrating to continue to go through issues. Then all of a sudden on the day I got paid, my debit card stopped working. I called Clara - at that time is when I found out PNC decided to close my account. I had to drive an hour to get access to my money and then go 2 days later and do the same. Now today I have another problem with PNC and I don't even bank with them. They are horrible. They have no consideration. They discriminate against you if you don't have a lot of money the same way they discriminated in closing my account. Should not be in business.

I went through the online process for adding that account as one from which I can make transfers and validated as the instructions required and even received the message saying validation was complete and all of that, but I am unable to make transfers. In fact, I withdrew the money from the other account and that account shows the withdrawal and the transfer has been completed, but the PNC account does not show a credit for that money. It has just disappeared. There are other oddities about the PNC accounts and the associated credit cards I won't get into (I have a $16 balance on one card but there is no activity history that shows online to support that balance) but I wish I had set this up with Wells Fargo like I did for my son when he left for college 4 years ago. That worked so well. The PNC experience has not been a good one.

You cannot see which acct you are selecting. They all show as "Interest Checking **" and last 4 of the acct, my fault. I should have known the numbers better and not relied on the order in which they display. The Virtual Wallet Spend acct displays first in all areas but not in the selection for automatic bill pay. I feel PNC should make some changes to this and show a fuller description of what acct you are actually selecting. Second, when I set this bill pay up, the amount to be paid was over $500, the reserve acct had a $10 balance at the time.

I wish or feel there should be a alert or a warning that addresses you prior to confirming and setting the automated payments that the amount you have set to pay is greater than the funds in the acct you have selected. "You have selected a acct with funds less that your automated billed amount. Is this correct? or would you like to continue?" Kind of like a final "Are you sure, because if not it's going to overdraw your acct if there is no plan in place to add funds to this acct in the near future!" A preventative measure for accts to get over drawn from the front end. I would have caught this mistake right then. But I didnt because everything setup without a glitch. So both payments pulled from the Reserve acct overdrawing the reserve by $800.

I called PNC as soon as I saw this on saturday which is when everything was in a pending status. PNC was not able to cancel the payments because they were already posted. She did refund the $36 overdraft fees. Well then comes in this unknown third party biller, Fiserv. Fiserv is who actually pulls the funds. They pay your bills and you are basically paying them back. So unannounced to me they actually return the insufficient funds back to the acct they pull from. I had no idea this would occur. I had transferred the funds on Saturday from our checking to the reserve to cover the overdraft. So then yesterday 8/23/16 when I'm thinking none of my payees got paid and my acct is overdrawn, I sign in to see that the Reserve acct was now to a $1,000+ balance just yesterday. All the while I was thinking the girl at PNC did this! Because again, Fiserv had not entered the picture yet!

So then I received an email from Fiserv yesterday at 4:20 pm about the issues that transpired on Saturday. Called Fiserv and spoke with a representative there, who was understanding of what happened and told me he would get the second attempt they make to pull from our checking acct AND not the Reserve acct. I asked for one of the payments to pull from our Checking acct and not the reserve. He assured me when the funds would pull again, either the next day, that it would pull from our Spend acct. Well knowing this, I transferred the amount from the Reserve BACK to the spend for what I was told would be pulled from Spend. Well that is not how it happened. Fiserv pulled from the RESERVE, resulting in ANOTHER overdraft! Because I moved the money to where I was told it would be pulling from THE SPEND ACCT.

There are too many accts to keep up with in the virtual wallet. The bill pay is not easy or user-friendly to setup and I do consider myself a tech savy person. I could not imagine anyone (like my mother, not so tech savy) trying to set this up by themselves and not royally screwing it up. PNC doesnt know much about the bill pay setup either because it's pulled from this 3rd party. So when you call you get 2 different people telling you 2 different things. I feel PNC should know enough about this company and how they work to explain this when you are told about the bill pay option. Fiserv was never mentioned to us by PNC when we opened these accts. So when this biller sends, they are sending their own money and you are basically paying them back for the payments. They make 2 attempts to get the money.

They try to pull the funds, which will overdraw your acct if the funds are not there. They will then repost the funds they pull, then they pull a second time all within a 48hr time span. If you are not aware of how all of this works they will be pulling the funds again before you have time to really realize what is happening. It caused mass confusion up until 8/23/16 4:20 PM because that is when I got the email from Fiserv that they pulled the funds from reverse, then put the funds back and would be pulling again!

So all this time I was thinking my payees were not paid, when they were paid. It's hard to keep up when it's not just you, PNC bank and your payee. This has been so frustrating and is not over yet either. I ask all the right questions, but when it's something unknown and you have no idea it's not just PNC it causes major confusion. I will say this, my banker I use has been amazing the whole time and if it wasn't for him, I would be considering closing the virtual wallet accts due to all of the confusion.

Well I have never been so insulted in all my life for one. Number two... the entire bank staff knew my business as it was like a big bank meeting including all tellers. I was asked my ss number telling it to her across the room. She did not even come over to me to try to make it private. This was the woman who handled the vault and I had to return to the bank as she was not there in the morning but after 11 am. Now after 28 years of banking I am changing my financial institution to one that practices privacy and acts in a professional manner. The branch was Newton NJ branch located on Water Street. For your information my intention for MY large withdrawal is to purchase and update my vehicle cash.

However, I don't understand the big deal of my taking my own money out of the bank. They actually made me feel like I was doing something terribly wrong. Since when should you feel like that with your own money lol. And also who's business is it what you wanna do with your own money. I could see if it was deposited in cash and then withdrawn but this was a government check. Well this incident is going to end my relationship with PNC Bank. After 28 years I am suspicious??? Wth.

Now the house was in my name and other 2 brothers and there was no estate. My mom had nothing and living below poverty standards. IN Michigan if there is no estate you don't have to file anything with probate. (Something that PNC doesn't understand). The house was finally sold and it came to my attention we over paid $46.21. I contacted PNC over 20 times trying to get the refund. Faxing, calling, and being transferred over and over til I was blue in the face... Every time I called I was told to do the same as I already done before. I had to explain I set up the hardship and then they looked back and found it and the check would be issued in my name. PNC sent the check to the property of the new owner. I continued to call over and over. It is now August 2016, after last night phone call to PNC I gave up. What a bunch of total idiots they have working for them. These people went to school and have degrees of STUPIDITY.

How in the hell does this operation work. It has been so long now the account has been archived. Here's one for all the people at PNC, why not contact the title company and issue the refund back to them since it was handle thru them, since you won't talk to me. I WAS the POA and personal representative of all my mother's affairs and THIS IS THE LAST FINAL THING TO COMPLETE and basically told to fly a KITE. SO the $46.21 is lost, and I gave up. I'm not wasting any more time with these CLOWNS. DON'T USE THIS BANK. TAKE THE $46.21 AND CHOKE ON IT.

Original Review: Aug. 16, 2016

I took a new job back in January of 2016 that pays me with a Visa card from PNC Bank. Recently my bank account with PNC was hacked and totally cleaned out! When I contacted PNC Bank regarding this, they said it would be a two week investigation into this matter and I might NOT get my money back. I begged my employer to pay me with some other method as I do not trust PNC Bank anymore. They have no security system in place for situations like this. So now my pay is constantly at risk! Do NOT bank at PNC Bank!

Isn't that special. There is no telling if you will win the dispute or if you will ever see your money again but they do tell you that once the fraudulent charges post, you can dispute them. No security department, no warm & fuzzies, you may not speak to a supervisor no matter how many times you ask for one, the CSRs do not give you their last names or any identifying information and you have absolutely no recourse. If you are stupid enough to open an account at PNC, I guess they feel you get what you deserve.

Original Review: Aug. 3, 2016

We have been with PNC bank for over 50 years. We were advised by our financial adviser, William ** to open a Home Equity Loan through loan officer Jaclyn **. We told her we needed the loan to build a condo until our home sold. We signed the papers in Florida and faxed them back to Michigan where we live during the summer and are building the condo. At the signing we were told by the Florida manager if we closed before 36 months we would be charged a fee. Ms ** assured us the fees would be waived. Since then she has stopped working for PNC bank. At our closing we were charged the fee of $550.00 for closing early. We were forced to close the loan because of the lien the bank placed on our home. Remember this story the next time you have business with PNC. They only have their best interest at hand. This bank stole our money and I want it back. I hope Ms ** never work again.

Mind you, the person who withdrew these funds did so at another PNC bank. How hard is it to pull video from their own bank??? I spoke to a couple other people I know this happened to that bank with different banks. Without fail, every one of them told me their money was refunded immediately. PNC does not care about me, my kids and being accountable for the security of the cards they hand out to their customers. I will be switching banks. Buyer beware. If you bank with PNC, and your number is stolen, you will be waiting a long time to get any credit back.

Then after 2 weeks, they said the form we brought in from the court, signed by a judge, that said dismissed in big bold letters, "wasn't something they had seen before". We ended up having to get a lawyer involved, who in turn supplied us with another copy of the court order to dismiss the special conservatorship. We turned that into the branch and are still waiting. Their legal department as they claim is a complete joke. It's my belief they lost the original paperwork and didn't want to tell us. The ladies at the branch were beyond rude. Rolling their eyes at me and everything as if somehow we were to blame for their incompetence. I have left PNC and took my banking needs elsewhere. I will never use PNC for another single thing. Save yourself time and hassle and just bank elsewhere.

Thanks PNC for reaffirming that day why banking with you was the worst choice and here after thinking I was through with you I still have to deal with your haunting bank statements. ALSO here's one last funny demonstration of your detail oriented customer service. The day I decided to close my accounts one of the bank employees asked about why I wasn't using my checking and I explained I never received my "chip" reader debit card and never used it much anyways so never bothered. This had been going on for almost a year at this point. Well after closing my accounts 2 weeks later I get a new chip reader debit card. That goes along with my closed account. Thanks!

I was told to drive to the courthouse and figure it out. So I did, an hour and half of my time was wasted to find out that the deed is a spousal deed showing I'm 50 percent owner and that she is 50 percent owner. Sounds like the way marriages work, right? Anyway, we just received a letter from them saying that the loan was denied because she wasn't on the deed and that she didn't live in the address! Guess where they sent it, to the address they said she wasn't a resident. At any rate, we will be closing shortly... PNC doesn't deserve your business. They don't know what they are doing.

This time I decided to report the service that we get at this branch and how my husband and I feel discriminated against every time we try to withdraw our money out of our account and how we have to make several trips to the bank to be able to complete the process. After calling and filing the complaint the branch decided to retaliate against our complaint by freezing all our funds with the excuse of investigating them.

Since July 23th 2016 we have called every department of the customer service PNC bank and our issue has still not been fixed not only have we spend hrs on the phone and at the branch this bank is still playing with our money. I have spoke to 5 different PNC customer service representatives, 2 of them supervisors and as of 07.25.16 8 pm nothing has been solved. If you want your money available to you when you need it take our advise and do not bank with PNC and do not ever bother to even let them about their horrible service because they will retaliate and you will go through hell to take your hard earned money!

First of all, who in the hell relies solely faxes for modern business processes. I bought a house via correspondence and without a fax machine, but PNC requires it to make a written request? Antiquated thinking is what makes companies obsolete. Either way, I found a museum with a fax machine and complied with PNCs request.

After 2 weeks of back and forth, and FAXING additional documents to appease some bureaucrat sipping coffee behind their desk, I called (PNC didnt call me) the day before I absolutely needed this document (mind you, there are countless calls between the date I initiated the request and this day) to find out that they have no intention of sending the letter until they receive SOME document from SOME organization that has absolutely nothing to do with me or my request. It is to check their procedural boxes with no regard for how their stalling and impotence has significantly complicated my life. I needed a ** letter, which they said I would receive, but could not generate it in 11 days.

Not to mention that I was going to pay for overnight shipping because they have never heard of email attachments, Dropbox and/or unwilling to use their own prehistoric fax method to expedite this request for a customer. Their failures means that the US Government will either have to delay sending an able bodied military member (not gonna happen) or Im going to have to find a way to move my vehicle to a Port 6 hours away from its current location. And I will have to make these arrangements from literally the other side of the planet. I will be refinancing as soon as humanly possible and vow to never complete another transaction with this financial institution. I knew that I should have stuck with USAA, but gambled with an incompetent organization and lost.

Then I go into a branch to be told "You have to call. We can't do much for you here." I could have saved $350 in overdraft fees and returned check if I had access to my money. I'm sick to my stomach with this bank. PLEASE! PLEASE! SAVE YOURSELF!!! Got to another bank. It can't get any worse than this.

I visited the busy Philipsburg PNC with a huge opening line that was quickly cleared. I sat and was offered a drink as Henry worked the counter and my transaction request. In 12 minutes returned with receipts of deposit. With a smile and during this time staff kept checking back with me and Henry set up a new customer with another representative to start an auto loan. We both left with 500% approval rating and Henry's little PNC PHILIPSBURG BRANCH. For me the 3rd time in 3 weeks. PNC thank you for having Henry serving customers in his standard of service!

In subsequently checking on this issue, Amazon was very cooperative and gave me the verification code that was generated and given to PNC Bank when the order was cancelled. This entire sequence of events occurred within one hour of the original order being placed. That as on 7/6/2016. As of yesterday, 7/12/2016, the charge was still 'pending' on my account and the overdraft fees were piling up. This was not the normal 'hold' which is placed on an account pending the actual charge. It was as if an order had been placed and never cancelled and they had already taken the funds from my account and put it in their 'pending' queue.

Today, the charge for the order was removed from my queue, but not before charging my account 11 overdraft fees of $36 ea. I started calling when I realized that the charges had never been cancelled on or about 7/8. At that point, I was assured that once the cancellation went through that the subsequent overdraft fees would be removed. Everyday after that I was online or on the phone trying to get this straightened out. Once a customer service representative asked me what I was so upset about. She told me not to worry about it. As soon as the charge was removed, the fees would be taken off. In the meantime, they just continued to pile up. At last count, there were 11 of them for a total of $396 PLUS the uncancelled charge remained, for a total $595.90.

Finally, some time today the original charge was taken off the account, leaving 'only' 11 overdraft fees of $36 ea (for a total of $396). I just got off the phone with them and still they can't understand why I'm upset. After giving them yet another full explanation of the entire sequence of events, he let me know that it was after 10:00 and they couldn't do anything after 10:00 p. m (I'd been on the phone with him for over an hour-and-a-half).

Tomorrow, with chat transcripts in hand, I am going to March into my PNC bank branch, sit down at the manager's desk and wait until he reads each and every chat remark, then remind him that customer service calls are recorded and ask him to listen to each and every call that was made in my attempt to get this straightened out. Then, when my entire $396 is refunded to me, I am going to cancel ALL accounts with the bank, including my substantial IRA account and take it to my local Credit Union, where I have already made arrangements with their investment counselor to roll it over into my new Credit Union investment account.

I chatted online for 30 minutes with one of the most unsympathetic 'customer service' reps who couldn't be bothered to do anything other than send me canned replies and 'strongly urge' that I have enough money in my account to avoid this happening! He said he would file my complaint with a money manager. They would contact me in 1-2 business days.

I went to my local branch and had a face to face conversation with a woman who spoke down to me and gave me a fake smile. I told her how I have been a member of PNC for 12+ years and I couldn't believe that PNC would fight me for a $36 overdraft fee on a $1 transaction. This $1 transaction was related to another transaction that didn't overdraft. It was a $1 for paying a bill online. Additionally, I explained that these transactions were not listed on my account ANYWHERE as pending! They just appeared! If I had seen that my account was overdrawn by $1 I would have covered it not to be charged $36! Come on!

Also, just as these actions hit and I was charged overdraft fees my direct deposit hit as well, yet that deposit is showing as pending. Their real time online banking system is flawed and I almost believe it's done on purpose to generate these overdraft fees. That was another 30 minutes of my life wasted. She was unfazed and cold as ice. I wonder if all of the PNC employees are droids! I walked out of my local branch shaking my head in disbelieve. What's most disappointing is that PNC does not value its members. They are not customer friendly and to them there is no room for error in their eyes. They have no sympathy or empathy. They only care about the almighty dollar. Life happens. We all forget things sometimes or have oversights. Unfortunately for us PNC takes advantage of their customers being human.

Fast forward another year or two, my daughter (she's just 14 years old) now has a job working at the local city pool and get her first paycheck that is WRITTEN from a PNC account and she takes her check in to cash it. She doesn't have or want any bank account due to the hassle she sees us deal with. Degenerate PNC in Crafton, PA charges her 10$ to cash a 119$ payroll check from what is written from the payroll account from Crafton Borough... Trust me people DO NOT deal with these cold hearted jerks... They will take your money and they will take your children's money!!

PNC gave me run around after run around. First 24 hours for the funds to be placed back into my account then 1-2 business days then 7 days due to the fact that the transaction was not made through a hotel stay or car rental company. WTF. Why does it matter where the money was spent at? It was good enough for you to take it and hold it. Now I'm up ** creek because PNC is just holding my money. The company doesn't have the funds. The funds were never took out of my account. The representative I spoke with didn't even ensure that PNC received the request for the funds to be released to me. I absolutely rather receive checks than to let some big corporation hold on to my money and refuse to return it back to me, even after all the necessary steps has been made that they requested to be complete before they would hold their end of the bargain.

They asked me to fax over the request because they had not received it. Then once I called back more days were added on to my wait and the representative did not even make sure the request was received she kept me on hold for 15 mins. I asked her if she could check to make sure the request was sent and she refused. Just too much to handle when my funds where never even took out of my account. This is absurd! I could possibly be resigned from my job because my license is not renewed due to PNC holding my money for no apparent reason. I did everything that was asked such a disappointment.

This time the response from Corporate was they were not allowed to provide a Signature Guarantee. I was trying to get money out of a College savings fund (529 account). PNC told me the only Signature Guarantee on a 529 account they could provide was on a 529 with PNC bank. Are you kidding? An hour and a half, 2 PNC banks, 2 different answers to the same question? Do these people know what they are doing? The women in the 2nd PNC did not care. They were giving me the run around and the one Man a Manager at that PNC bank told me to go to CHASE bank and they would do it. Can you imagine being told to go to the competitor bank to get the service instead or your OWN bank? I even went on the PNC bank website to file a complaint and they force you to log into your account to file it and I refuse until I get my money out!

Called today 1 am to check if a money I was expecting came in, instead it said I was overdrawn $191.82... I was devastated couldn't sleep no more. Went to work at 7 and called after 2 hours they can't even help me with the issue. They said a financial manager will call me on Tuesday and it's Friday today. Imagine I would have to wait and they will charge me another overdraft for the next 4 days. This is absurd. They said I should keep track of my charges and I do over the phone. It's not my fault phone service of PNC is not accurate. Not all people can use online or download apps. I like hearing it from a rep. What's the point of banking if they're not going to help you or notify you when your account is overdrawn. I am tracking it and they insist that I have to write on the paper??? What is this??? Aren't banks suppose to help us? And make sure our money is safe. This is nonsense.

Needless to say they sent it and it was returned to then as their envelope told the Post Office to not forward it. It has been well over a month and two letters to the CEO of PNC Bank and I am still without access to my accounts. The nearest PNC Bank is over 100 miles away so I am with access. Calls to PNC have been a let down so no one seems to know how to help me. When I return to Florida I will be changing banks!

I even defended this bank, telling him I had been with them for years without issue. I just figured it was probably a mistake on his part. I got my first check and deposited it this week. I did what I always do, and make sure to be extra careful. Overdrafting is kinda a fear of mine since I work incredibly hard for little pay most of the time. I printed out my last receipt after a weekend of shopping and running errands. The account says I have $21.35 at 5:06 p.m. I go up the street and activate my phone, making sure I ask for a receipt on my purchase 5:32 p.m. I spend $15.00 exactly. I got home and used my mother's phone to check again, and I had almost $5 left like it should have been. I wake up this morning thinking I might get a 1$ soda down the street and see that my account is -$14 and some change.

This is online banking and how it works, and how it always had worked, was whenever a transaction was pending, it automatically subtracts the amount from your spending account. So for the customer service person to tell me that it was from an earlier pending is wrong. I know it is. I checked and double-checked and have receipts to prove it. The "pending" transactions they claimed to be the culprit were hours before, and miles, and miles away. There's just no way the mistake was on my behalf. I'm going to try to get my money back but after being upset over this, I vented to my mother about it who said the same sort of thing happened to her too. I'm switching banks after this gets sorted.

I am not a rich woman. I am married and have 3 kids and we struggle to put food on the table. I do not receive assistance. So for the last 3 days I have had 10.00 in the bank according to my MOBILE APP. I went to the store yesterday and spent 3.00, so I had 7.00 and some change in the bank yesterday Monday, June 6 2016. I also had 20.00 cash on me yesterday. I went to bed around 1 am this morning and I always check my bank before bed using my mobile app. I had a 42.00 deposit I had forgot was coming so I was happy. I had a bank balance of 49.00 according to my mobile app. I wake up at 5:30 am to get kids up for school and I have a -5.00 balance on Tuesday, June 7, 2016. I was like, "What the heck". So I go to the online banking site to get a phone number and what I saw was not the same as my mobile app. It showed 3 days ago I had a -8.00 balance.

I call the bank and I was telling her what happened. I said a couple cuss words, not towards her but like I was saying to myself "What the **" and she hung up on me. So I call the other bank and ask if I cuss it's not toward them, I was just mad and confused. So after a while she said she could not give me my money back. I said, "I had a 42.00 deposit on the same day as a 36.00 overdraw fee". So I call the 1-800 number to talk to a guy who can't give me my money back. They are thieves and this is the last time they steal from me. "I need my money" I told him or I am leaving their bank. Well guess, I am leaving. PNC bank steals and they lie and make excuses why they do it. "I am a mom with 3 kids to feed" I told him and he pretty much spat in my face.

Now it's another month later and they still have not issued my refund check. If the situation was reversed I would be paying multiple late fees and daily penalties. They have no right to hold my funds until they feel like they should refund my money. This would be set as a collection if I owed them. This is not only immoral but illegal. They should be held accountable as the consumer is to ensure refunds are set in a timely matter, as they require payments be sent to them by a set date. They have had these funds of mine since April this year.

This has been an unbelievable irritation and a constant interruption in my life. I work 55 hours a week and I am a full-time student. I have spent multiple days and time being told my check was sent, not processed but will be received in 5 to 7 business days, and then again "oh we have not processed that and the office you need to speak with is closed at this time." I am done waiting for my refund. At this moment if I owed them I would owe 3 late fees @25.00 ea, and the daily interest. I have made 6 calls and sent 5 e-messages. I do not know how they are allowed to hold consumers funds for multiple weeks even months.

It's not like I went out and charged money to my account willingly. I had NO idea this bill was coming in. Sounds petty, but I think it's ridiculous. I came from Bank of America where they understand that life happens and I didn't go shopping and buy stuff to purposely overdraft myself. It was once a year bill I forgot. Needless to say I would NEVER recommend this bank EVER! Customer service is horrible, as is their money management team who degraded me. I will be closing my account within the week.

Like someone else on this forum said, they figure that no one is going to take them to court over such a small amount. Well I'm definitely going to, and I'm suing for A LOT, more than they've taken from me, which in my opinion was - ILLEGALLY. And I would be willing to wager that others have filed lawsuits also. I also am not looking for PNC Bank to be around much longer. If they're so desperate that they have to become flat out THIEVES and TAKE people's money, then they're in dire financial straights. I've already opened an account at Huntington Bank, and tomorrow I will be closing my PNC Bank Personal Checking Account, and they'll never see me again except when we're in front of the Judge in Civil Court.

She asked me for i.d. which she had because the teller kept it until I went in the bank and another form of i.d. so I asked her if my social security card would do and she said no because it could be copied so I asked what about my birth certificate. She proceeded to say no. She asked me if I had a gun permit for a form of i.d. I told her no, she asked did I have a debit card. I said no but I had a netspend card. I even gave her the letter that came with the check. Finally she accepted the netspend card.

Ms ** proceeded to inform me the check was a fraud because the check did not belong to me but to someone else what a shock to hear this. She picked up the phone and called someone and before she hung up she said, "I thought so." She told me the check was valid but the check belonged to some else she never said who. She said my name was put in place of this person's name... I took it as if she was saying I forged the check. So I told her to give me the check back and she said since it was a fraudulent check she couldn't give it back to me. I was so upset how I was treated - I got up and left. When I got home about 5:30 pm I located the company who sent me the check and the person I talked to named jessica said the check was valid and it was a settlement check.

So the next day May 17, 2016. I wake up the next morning to talk to one of the accountants at the general information services about the check. I talked to **. She also informed me the check was a valid check written out to me. She called the PNC Bank and talk to the branch manager about the check and let him know the check was valid. Still no call from the bank.

I go to the bank and talk to the bank manager - I don't remember the name, when I walk in there was a ** women who greeted me and my wife. I told her my name and she know about the check and the branch manager was standing near her. I heard him say they are they here about the check and she said yes. So he informed us ** was coming in late and could we come back in an hour. I asked him if I could talk to him about what happened with **. I went to his office and told him, "What I am saying to you." He told us, "She was trying to protect us and the bank." I look it a different way when she said he basically took someone else's name off the check and put his name there.

How embarrassing to me for being accused of doing something like this... so I asked him where the check and letter was and he said I am just finding out about this today and I am sure she has it in a safe place. He says she will be in an hour - could we come back and he would have her call me when she got in. So by the time we got home ** had called us. I called her back and it went to voicemail. So I called the branch manager and I was informed he was in a meeting with the boss. I hung up and 15 min later ** called back to my home. She still insisted the check didn't belong to me that it was written to someone else. I told her we can in that morning and talked to her manager about the check... I told her she needed to call ** at GIS in accounting. I take it.

She did and 5 min later she called to say come pick up the money - she asked if I had two forms of i.d. over the phone and I said yes. I told her she owed me and apology and she said, "Yes I do." And I asked her, "So who did you talk to confirm the check was a fraud?" and she said she didn't remember the name and she had a different number than us to call. I don't know why she asked about the i.d. when she looked at it the day before. But what I don't understand is who did she talk to the day before to confirm this was a fraudulent check.

When I went to get the money the black young lady was the only one in the bank. So I asked, "Where is everybody?" She said ** was pumping because she breastfeed her baby. How unprofessional was that. She know I was coming. So I sat for 10 min waiting for ** to come out still no **. The branch manager came out and said, "Hi guys!" and waved at me and my wife. And nothing else once again - how unprofessional so the teller had me come over to cash the check and he apologize. Why would he do that I was accused and inconvenienced by **. So the branch manager and the assistant manger never come out to apologize for the inconvenience caused by her and I still had to pay a 10.00 fee for cashing this check. Which this fee could have been waived for the causing me stress and calling me a fraudulent writer of checks. I have never been so humiliated in my whole life than on May 16, 2016 in your saint louis PNC Bank.

She explains that my automatic payments were cancelled and she continues to press me to take the payment over the phone. Something didn't feel right so I told her I needed to verify with my bank that the payment wasn't made. I check with my bank and the monthly payment was taken out on the 20th (as it had every month). Now I'm thinking it's a scam. I call PNC Bank back to tell them someone is calling representing them saying payments weren't made when they were. Five (5) representatives and 45-minutes later I talk with Ms. ** who explains that they did receive my monthly car payment however, they are calling to collect $18.81 (1.71 short each month) + 0.94 (late fee). Once I know this, I immediately send a check for $50 to cover the under payment.

Frustration comes over the next 12-days when PNC continues calling me at home and work (most I counted was 10 calls in 1 day) each time telling me my payment was never received. I explain to the representative that it's not my payment it was the $1.71 under payment each month. I sent a $50 check, blah blah blah. The calls continue every day for 12-days. My apologies to the representative who called my house at 8:00 am as I lost it on him. After explaining this to multiple representative over the course of several days, and each telling me they will note the account, an 8:00 am call pushed me over the edge. I have since secured a car loan from another establishment (at a lower interest rate to boot) and will NEVER DO BUSINESS WITH PNC BANK EVER AGAIN!!!

To make matters worst, since I'm in the process of transferring this loan, I send a check for the May 2016 payment since the first representative told me my automatic payments were cancelled. Well, guess again -- I mailed the May monthly payment AND it was removed via automatic payment. WTF!!! As a trainer, I see a lot of people in my classes. I will pass this story on and on and on as how not to treat a customer. Especially if you want to stay in business. My impression of PNC Bank is that they will not be around for very long. Not when you spend that much time and that many resources to track down $18.81 from what would have been a long standing loyal customer. Glad I do my banking with Wells Fargo!!!

Why are companies like this allowed to continue operating? They also figured out just the right amount of money to steal from you over time that they can get away with because they know that you will not go to court for the money and will most likely not win either and they will also make sure that you do not get any of the money that they robbed from you with overdraft fees back. I hope the BBB looks into what this company does and starts shutting it down because this is disgusting...

Our realtor was purchasing the townhouse from us, so everything would be done at the same time. We had the contract for deed paperwork with us and he told us that he didn't need it because we shouldn't do the loan that way, that the money should be treated as a gift, and that would make things easier and cleaner. We assumed he must know better than us because he does this for a living. He asked us when we wanted to close, and we told him April 29 because our second child was due May 29, and we needed time to get moved, settled, and a nursery set up.

As the process progressed, and we grew closer and closer to our scheduled close date, we began to grow concerned that things were not moving as smoothly as they should be. Because we were now proceeding with the funds treated as a gift, FHA required bank statements and other personal information from my parents, which, understandably, they did not want or need to provide. None of us understood why this information was required. He found another way around these requirements, so we submitted everything required and were all ready to go.

Then, on April 25, four days before our scheduled close date, after not hearing anything regarding our status for several days, I sent a text to Mike asking about our status. Conveniently, he called me shortly after saying that he was "just about to call me." He said there was a problem with everything to FHA and that they hadn't reviewed everything. This was upsetting because everything had been submitted in plenty of time and there was no communication to us about the status.

At this point, since our closing date was only seemingly important to us, I decided it would be best to get a manager involved. After telling the manager, Joyce **, what was going on and going through all the difficulties with the paperwork and loan structure, she even said that it should have been structured to have the money down come from proceeds, not as a gift. A gift would infer that we did not have the money, when in reality, the equity we had built in the townhouse was our money. So, after a comment or two from Mike about "having to restructure everything," we restructured and resubmitted to FHA. The manager was involved now and was going to work to expedite everything, and we assured everything was going to work out.

Well here we are on May 13. We already moved into the new house because the manager suggested we ask our realtor for early occupancy because everything was going to be fine. We needed furniture and appliances, so we went shopping and purchased what we needed. We've already closed on the sale of our townhouse, so we don't own that anymore. We have a two year old girl and in two weeks will have a baby to bring home. The problem is, Joyce, the manager, called me this afternoon, after another ignored text to Mike, and informed me that FHA was no longer interested in proceeding with the loan. They felt that because of the discrepancies and changes in structure and paperwork that something fishy was going on.

I asked her what PNC was going to do to fix this, because after all, it was the ineptitude of the Peoria office that did this to us. Her response was that there was nothing they could do and that they weren't going to charge us for the appraisal. Great! Thanks for the few hundred dollars! If Mike had just structured everything how we had wanted and thought it should have been done, everything would be taken care of. Now we're living in a house that we don't own, we sold the house we came out of, so what are we supposed to do? They won't even admit that they did anything wrong. My wife and I are beyond upset with everything right now, and we can't even get a "sorry."

It doesn't end there, the funny stocks newly issued were guaranteed at a reduced price to the federal government. Are you still following this? So the federal government basically paid back the taxpayer-funded bailout with taxpayer dollars. How did that happen? Is there nobody in Washington who has a moral bone in their body? Well, Joe, here's why!!! The federal government now owns any bank, every bank, that took bailout funds or TARP money. These banks answer to Washington and don't have a care about you and me. To make a long story short, banking is a whole new ballgame. There are still good banks out there. Do your research. If they prostituted themselves for 7.6 billion dollars, don't do business with them.

We had all our pay deposited into the account. Thousands. Now mind you its payday, so towards the end of the month before payday things get tight but not too too tight. Anyways, I go to use our debit card and it will not work. Not at an ATM or in any store. Call the number on the back of the card - no one seems to be able to help me and are very rude. Wait a little bit and try and call a bit later. The girl on the other end then tells me there was fraudulent charges on our account or rather what PNC thought were fraudulent charges, which they were not. But they did not tell us this.

Now my husband and I do not spend a lot, so apparently they shut our cards down three weeks ago and did not tell us. Hence why I could not use the card anywhere. Then told me if I had called seven days after the card was shut down they could have done something. Well if you don't tell us you are shutting our card down we can not get anything done.

So then after 7 hours - yes seven hours of being on the phone with them - after this was faxed and that and yes we can wire this and send stuff here. They tell us of "there was fraudulent activity on your account. We cant do anything for you." They couldn't even find a way to overnight us a new card. Ugh. I am now traveling with my sister in-law 8 hours to the nearest bank branch withdrawing all of our money and closing this account. They would rather my children starve than help us. Thieves they are.

PNC activates my card anyway (this I later find out is the card that is supposedly in the mail, which as of April 11 I still have not gotten). This automatically deactivated my card in hand and now I have no card and a card possibly lost in the mail which is activated! PNC next tells me to go to Farmington Hills branch and they can print me off a new card on the spot. After driving 38 miles one way to do this, I am told that they can't print off a card on a business account. But, the manager orders me a card to be over-nighted, due for delivery on Monday April 11. That card doesn't arrive either. Call PNC again. That card was not over-nighted. They "don't do that"!

So, I sit with no card yet. Unable to conduct business if I can't get to the bank during banking hours, which on my work days, I can't. Can't pay my vendors for advertising contracts that I have, suppliers for weekly supplement orders to treat my patients...nothing. I pay over $300 per month in banking fees because I use PNC merchant services (I accept credit cards at my business through PNC Bank) and this is the lack of service that I get. It is really unbelievable and such a lack of care and an unwillingness to resolve problems. Where do I go to get better service? Had different problems with Comerica, but just as troublesome. Can't we get good customer service anymore? Can't we believe what we're told? Can they deliver what is promised? This is unbelievably wrong and I don't know what to do about it other than making it known so maybe people in charge will start caring and doing their job and actually solving problems.

At the end of the calendar year, when I needed to close my business and cancel my account, I was then told that my contract was not a 1 year contract. I have not been able to cancel my account, as PNC Merchant Services is now telling me that I have to pay the exorbitant cancellation fee. Conveniently for them, I am still paying the monthly service fee; although I am no longer using the service.

They should have at least called me or something but the lady told me that they don't do that! I hate PNC so much! I am never going back there ever again. I already told my fiance that once we are married that he is pulling his checking and savings account from this bank. He agreed and said that PNC is awful! So for anyone out there looking for a good bank, DO NOT GO TO PNC!

Wanting answers she went to the bank in Canal, where she was told by the assistant bank manager that they had no information from anyone higher up in the bank that the account was being disputed and was being investigated. The branch manager said "What's done is done" and that there was nothing he could do about it. He told my girlfriend that the women she talked to in customer escalations failed to make notes or inform them of anything on the account. She asked why she never was told about this decision. The assistant manager told her that they have the right to arbitrarily close any account at any time for any reason and that they don't need to inform the person on the account. To add insult to injury, after they took all of her savings and the money in her checking she was informed "by the way you still owe us the $508 to cover the remaining balance."

It's bad enough that my girlfriend was the victim of a fraudulent check. It's worse that her bank PNC decided to make things worse by working against her. She made every attempt to try and resolve the situation and make payment arrangements. They refused to work with her and are now blaming it on incompetent communications internally. This is unacceptable. If you are thinking of setting up an account with PNC DON'T. and if you have an existing account with them I would recommend taking your business elsewhere. They are terrible and do not care one bit about the customer.

After 2 weeks, everyday of going to a branch and calling the recovery department, I spoke with several "Supervisors" that lead me in a world of circles. One day they'd tell me, "ma'am your cashier's check has been sent out." The next time I speak with someone to confirm, they'd say, "ma'am your check will be sent out on tomorrow and you will receive it within 3-5 business days" then the next would say "Let me get your physical address and have the check sent out to you on tomorrow and you should receive it within 7-10 business day." Imagine how irate I became.

It has been a very stressful journey trying to retrieve what I am entitled to legally! There has to be some kind of resolution or help that I can get with this. The last attempt that I made trying to get help was with this so called Supervisor "Mark" who is extremely rude and with very poor customer service that also likes to hang up the phone in your ear and not allow you to speak with his Supervisor. I will be filing suit at this point. My advice to anyone that is considering banking with this horrible bank is... DON'T!!!

They are cold-hearted, inhumane, pieces of garbage. They held my paycheck (Mind you I get paid through direct deposit every 2 weeks & it was payday), plus my federal & state taxes. Over $6,000.00 of money that belongs to me was frozen for 14 days. In that time I had barely scraped by & even faced an eviction notice from my landlord because I was 2 weeks late on rent, I actually received my paycheck in my new m&t account before FINALLY getting the cashier's check they promised me in the mail. Do not bank with this company, they truly do not care about people at all. All they want is your money & I'm living proof they can & will keep it from you too. #PNC=PeopleNeverCare

Another time I was working with a teller and a teller working at the drive thru butted in and made my teller stop our transaction so she could wait on the drive thru customer. I am very sure they don't want customers... They want money and all transactions to be virtual. It has been years of unprofessional behavior and this was just too much. They have constant turnover. They take tellers and try to train them to be personal bankers. But, that is not a good idea. They have redesigned the bank and it is ugly. They don't have deposit slips out where they can be found. They are tucked in a drawer and you have to ask for them. I decided if they can't set up my POD account correctly... it was time to move on.

I dealt with a teller (she was at least nice) who told me they will take my info and give me a call by the end of the next day. When I was leaving, the banker stood there smiling, doing NOTHING. By 3 pm the next day, I called the branch and asked to speak to a banker, any banker. I was told that she was just about to call me but went to lunch and will call me when she returns. I guess they take 3-hour lunches at PNC because they called me at 5:51, with the branch closing at 6 pm. Left a message that I can give them a call the next day and they will explain the charge. UNBELIEVABLE!

This is how I get treated after banking with them for 10 years! I called 1-800 number again, and again was told that the fee is fine and that it will happen again(!) and for the millionth time, I told the guy that it better NOT happen again because I currently meet ALL requirements of having a free account... STAY AWAY FROM PNC! I can't wait to close all my accounts with them!!

On my first attempt PNC even initiated the process of refund stating it was a goof up on their end but cancelled the process later. I was asked to reach out to Popmoney directly on my 4th attempt which I did but was told by Popmoney agent that they can't do anything and I need to check with PNC. After trying for 3 months and with no results I am posting it here so that this is noticed by a larger audience. I don't expect I will ever get my money back now. I surely will be closing my account with PNC and will recommend others to be wary of this before opening the account. Any suggestions on how to deal with this are welcome. Thanks in advance.

On another occasion they changed the terms of the reward points on a credit card (in tiny fine print) so that I ended up getting back next to nothing. They had also added big account "maintenance fees" to another account, and drastically increased other service fees all while decreasing or eliminating any interest on deposits. This is apparently the way banks that are "too big to fail" become bigger. Last week I closed the last remaining account I held with this bank. I have had enough of their devious, underhanded, and outright deceptive practices. After 33 years it is a sad way to have to end a business relationship.

We weren't able to get our 2014 audit finished until this month... January of 2016 because we were missing ONE piece of information. Guess what that was, a confirmation of our PNC account that we had sent a year ago. For months I was calling up the bank asking them what they needed to sign it so we could get our audit finished and for months I got the run around. Telling me we needed to get a bank teller to notarize our documents before we got our account confirmed, telling me that we weren't a corporation so we couldn't use our corporate stamp to get it notarized... Then why do we even have a corporate seal in the first place??? Now I am doing the same thing for our 2015 audit. It's 100% completely ridiculous. If anyone has any recommendations for other small business banking, please let me know!!

Next, I offered to make the Dec. and Jan. payments on the phone via auto-check transfer. They confirmed the routing and check numbers, and the payment was made for a 2nd time. After (10) days, my mother received another call from a PNC collector who said, "The Dec. payment had not been received." So, I called PNC and they informed me that they "reversed out" those (2) payments. I asked for a reason and none was given. So, why couldn't they call me before reversing the charges? "It was not their policy." Now, I'm fed-up and enraged by this Bank's incompetence, stupidity and arrogance. Their attitude is contentious and demeaning. They are by far the worst bank I've ever dealt with. I understand why there are over 560 complaints on this site.

But the icing on the cake is trying to deal with them on loan info. I have never had to deal with so much hassle in my life to just renew a loan. They take forever to get back to you. Then they keep asking for more and more info after saying they need nothing else. Be prepared to give them blood samples if you ever need a loan. What they ask for is ridiculous. I have been waiting 6 weeks and have had to speak to at least 10 people now and still have no answer. I will never do business with this bank again. As soon as my annuities mature, I am pulling all of my accounts OUT!

I went to the branch and I was told my account had been closed due to suspicious activity and not funding my account. The associate there said he could just start fresh and open a new account for me. He was awesome and opened my account, gave me starter checks, and I was even able to fund my account right there. He said not to use the old debit card (throw away) and wait for my new one.

A few days later, I received my debit card in the mail. Again, I tried to activate the card and nothing! I went to another branch and they said it had been closed again because they didn't give the associate the authority to open another account and quickly wrote me a check for the money in my account. The associate said that he didn't know why and I should call an 800 number to find out why they closed my account again. I called and was told that after the first closure, the bank doesn't want to do business with me! I didn't do anything wrong! Luckily the lady at my job in human resources got sick and wasn't able to change my direct deposit information to PNC. I've never in my life had such a horrible experience.

Three months go by and I get a phone call asking if I was aware I had missed three payments. I assured the employee that it was impossible because I paid 5 months ahead, so I still had two months of payments in their system. He informed me that I only had made one payment equaling the amount of 5 payments. I spoke with their supervisor who told me it was impossible to check who did the transaction to sort out the issue. Although, every time you make a transaction, their ID goes on EVERY paper. I don't know who she expected to believe that, hopefully not me.

After getting absolutely nowhere fast with this bank, I paid the loan off in full, closed both of my accounts and walked away. Thinking I was done with PNC was a great feeling. However, this week and almost 3 years later, I get a notice about updates to my account ending in **. This is impossible because I do not have an account with PNC Bank. I called the branch and turns out, with little surprise, they never closed out my account the day I withdrew all my money and told them to close my accounts. I advise everyone to stay clear off this bank. The choice is yours, but I would never recommend them to even my least liked person.

Ask to speak to a supervisor, was told the best they can do is contact that department that handles payoffs and they will call back with 3 days. I told them to forget it. This is a total ripoff and the worst banking experience I have ever had. I can't believe they can draw interest plus take payments for the same car. Somebody in the banking system should run an audit on this bank. Big banks screw people and get away with it.

The Assistant manager handed me my cashier's check and the signed letter with proof of signature that the accounts had been closed. To officially part ways, I took my ATM card bent it and threw it away. Twenty days later, I receive a letter in the mail stating PNC had over drafted my account that has been closed. Confused, yet again, due to the fact I knew I didn't have an account with PNC, I chose to call the 1 888 number to confirm this had to be an error on their part. After another 30 minute conversation with one of the reps and being on hold for the third time, I was again hung up on. Out of pure determination, I called back looking for answers, and was told to visit another branch.

Apparently, if you have a reoccurring monthly charge, such as a Netflix account and Netflix tries to run the charge on the closed account, PNC reopens the account without acknowledging the account holder and charges the account holder with overdraft fees. My experience with PNC has been anything but exhausting. My hard earned dollars and precious time have been spent trying to fix an issue I never created in the first place. I am going to take extreme measures to make sure this never happens to anyone else.

If that were the case then why would the atm receipt state that I was positive? AND, if you overdrafted me 36$, why in the hell am I negative 23.10? I called corporate and they also stated that they could not waive the overdraft fee. I deal with this all the time with them and get different information each time. I'm tired of having to pay so much in overdraft fees. Will be switching banks after rent is paid. Horrible service.

I am absolutely dumbfounded as to how a customer service line can keep a customer waiting for an hour and a half for ZERO resolution and rude and clipped representatives who clearly would rather transfer you at the first sign of difficulty rather than spend 5 minutes trying to resolve your problem. Stay far away from this bank if you want to be treated as a respected customer. I have used many other banks including TD who have easy, quick and respectable representatives. I am absolutely shocked at the lack of dedication to service this bank has. PNC, you need to reevaluate your service because you will lose your customers.

And what was even worse was that I went into my local branch and they told me they opted of the option to get my check at the branch so I had NO CHOICE but to wait 7-10 days. I just feel like that is very unprofessional for a bank to close an account and not give notification. All of this would have been avoided and I would have gotten my check on my payday. I WOULD NOT RECOMMEND THIS BANK TO ANYONE!!! And this is not the first time this bank has done something to my paycheck.

The $150 didn't bother me too much because I knew that was the only interest I would be paying for 18 months. Boy was I wrong... I have been paying interest every month since the card opened. When I talked to the PNC rep over the phone, which was the third person I had climbed up to, she told me that she would get his side and get back to me with what they could do for me. Our last conversation was her telling me that PNC couldn't help me out since it was a "He said-She said" situation. WORST MISTAKE I EVER MADE! I am now paying more interest than what I was with Chase. I would advise everyone from opening this card!

I get another call yesterday, and guess what? I was told I needed to bring my "payments" up to date on my vehicle. I have repeatedly told each agent that the vehicle is totaled, and that PNC needs to send documentation to the GAP so that PNC can get the balance of the loan paid to them (PNC). I repeated everything (again) and told this agent that I had spoken to another agent who said it would take several business days to send GAP the PNC payment information. Now the agent I am talking to says she is recording us and that she will call back next week. Fine. Just send GAP the documents and PNC will be receiving their money, ok? I know it should not be this difficult to take care of a simple thing. When my business is done with PNC, I will NEVER do banking with them again. I will not recommend them to any one I know.

I stated to Lisa ** several times that I had the card, just not on my person at the time. She insisted and insisted over and over that she had to cancel my card, after I told her that it was important that I use my card Today before 6pm and that canceling it was Unnecessary. After pleading my case to her she still did what she wanted to do, assumed, put words in my mouth, and deactivated my card. This is my final strike and I will be canceling my credit card altogether and now even my debit card as well, because how she handled the situation was ridiculous and very very dissatisfying! Customer service was at an all time low and I will continue to follow thru with reporting my dissatisfaction with Lisa **.

She then wrote to us saying that if we needed to extend our closing date into October we could. Well, how do you do that if she had not processed the loan any further? She said we were incomplete with loan? HOW? If everything we were sending her she was taking. Although for all I know she was tossing it in trash! She sent my realtor an email saying that our loan was going to be denied and that she was going to be working on the denial letter. When asked by my realtor where the denial letter was, since it had been a few weeks since the email had been sent and the realtor had not heard anything, the loan person said that a letter of incompleteness was all that was required since the loan was never submitted by her to underwriter!!!

WE lost our earnest money because she was not telling us all the information. I had contacted 2 branches on this matter and they had gotten involved. Eventually an URGENT needs addressed message was sent to PNC headquarters. It took them 2 days to get back to me, I missed their call, and it took another 2 days of me calling them for me to get to a person, who didn't have an answer. He said he would get back to me on Monday, which he did not. I finally spoke to him on Tuesday, to which he said he had consulted the legal department on this issue and there was nothing he could do to resolve the issue. THAT IS CRAZY!!! We lost our earnest money and I am a veteran, which makes me more mad since we didn't have to give anyone any money down.

Years later, we received a letter in the mail about a class action lawsuit that was being placed against them. We would be paid out money if they were found to be unethical. We did indeed receive money from this lawsuit. We stayed with the bank and as of recently I have been noticing that they are doing this AGAIN!!! They seem to be able to look at screens that we cannot see and will tell you that you have indeed incurred negative fees. I also do not understand how they can charge a fee for not covering a charge. This is a VERY UNETHICAL bank and they do not treat their customers as though we are the ones that they work for. They have already been found unethical in one lawsuit and it is beyond my comprehension as to why they would resume the same type of behavior!!! THIS BANK SHOULD NOT BE TRUSTED WITH YOUR LIVELIHOOD!!!

Also, I am being charged for depositing cash in my account. PNC tells me that I am allowed $5000.00 a month in cash to be deposited into my account. After that amount, I am charged .25 per hundred dollars. I asked, "Why am I being charged this fee?" and they told me, when I deposit cash, I am taking up the teller's time. Yet PNC has tried to convince me that they would waive the fees being charged if I used them as my credit card processor. I said, "Absolutely not. I use Square and my sales with Square are well over 100 K a year." PNC is unfair with their bank charges. If anyone wants to start a class action against pnc, count me in.

So I called customer service to remove the $7 charge. They didn't believe me over the phone! So I had to take time out of my day to go to the branch and get it straightened out. While at the branch the lady refused to admit it was their mistake. So I extremely frustrated and she kept saying it was our fault. If you check the slips she did not write my account number anywhere on there. They REFUSE to admit their mistakes.

Another incident more recently. I have a school loan that comes out the same time each month. Well, this month it decides to come out a day early. I wasn't aware and went the normal day to deposit the money. They charged me $36 overdraft fee the SAME day I deposited the money. So I called customer service (Guess I didn't learn from previous experience that calling customer service is just a waste of time), they said there is nothing they can do about it! I am furious because they took the overdraft fee out the SAME day I deposited the money!

So I was irritated and asked to speak to someone else. She said no there is no one else for me to talk to. So I said there has to be someone else... and after a few minutes of us going back and forth on whether I could talk to someone else or not she finally says, "Yes, I'll transfer you now" then I wait on hold for 10 minutes before hanging up and realizing she has no intentions of transferring me to anyone else. VERY UNPROFESSIONAL! Their customer service is just awful now and I am seriously considering closing my account with them.

Three days later, I get a letter telling me they won't be refunding my money, and there was no error. I think to myself, how can that be? How could I be using my card in Virginia, at the same time it was being used in Texas?! Clearly, there is an error here! I call the bank again. Wait eight minutes to speak to someone. Finally, a person with good sense. She asks did I receive a form in the mail asking me to detail the issue. I inform her that I didn't. She seems surprised and says that I was supposed to have been mailed one. I tell her the problem, and she agrees that this is clearly fraud and agrees to re-dispute the transaction. She also advises me to file a police report. As if I have time for that. However, I did in fact file one. We will see how this turns out.

Once my money is refunded, I will be closing this account immediately. I've already taken my money out and put it with a credit union. My experience with PNC has been awful, beginning to end. When I go into a branch, the wait is at least 20 minutes, just to make a withdrawal. Same amount of time in the drive thru. I am completely dissatisfied with this bank. It was the worst banking experience of my life. To have someone steal from you, due to a bank security error and then be chastised and told it's your fault, is simply unacceptable. I will never do business with PNC again, and I recommend no one does.

Now they refuse to give me back my stolen money, so now the account will further go in the red. PNC, I am reporting you the the Federal Trade commission, my state's DA office, and any other authorities as is necessary. I am freezing the account and I will no longer deposit money into the account to bring it current. It was a account for bills but I can't even trust you guys to obey federal law! I hope your bank fails. You are all crooks!