I have been with PNC for 14 years and recently have experienced the worst customer service in my life. The left hand does not know what the right hand is doing. I had a dispute with the car loan services for an extension on my account which took them a month to decline or grant then they said the extension couldn't be approved because my account was past due. Like duh it took you a month in order to look into the extension. On top of that they went into my account and took out multiple payments.
One person is saying one thing and another is saying the next. A manager gave me her number stating she was going to call me and I never received a call and when I attempted to call on several occasions her voicemail said she wouldn't return into the office for another 2 weeks. At this point I'm taking my finances somewhere else and would hope everyone else does the same. This is why they have 3 star rating. Customer service is terrible!
By far the worst banking institution I have ever had to deal with in my life. I had an issue with a scamming company charging money from my account, which I then resolved and ended up getting a refund for the money after having to explain my situation over and over, and even then it felt like they did not even want to give me my money back.
After I have gotten my money back as a "provisional credit" I have since gotten a "provisional credit reversal" charge which conveniently charges the money I got paid back again out of my account when my balance is near zero so they can charge me extra overdraft fees. I then had to call and explain the situation to them and ended up getting the money back, but then the same amount for the "provisional credit" got charged again 5 more times over the course of 9 months.
With constant overdraft fees and having to argue with incompetent customer service representatives to simply get my money back every time something like this happens, even when I know I have enough available balance, I will never go to this swindling, con artist, scam factory they call a "bank" ever again.
CLEVELAND, OHIO -- I had PNC only 3 months. I had business accounts and personal accounts. Steve the business banker opened 6 accounts for my business then closed four and gave me the closed accounts numbers with the debit cards to the open accounts. My clients kept trying to send money only to have funds rejected and was told the account was closed. I spoke repeatedly to the manager and assistant manager at my PNC branch Michael and Mary and was told everything was fine but it wasn't.
I was using the debit cards thinking everything was ok then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received. Michael told me last week I had the wrong business account numbers and he was sorry. My personal account was in good standing and it was closed and PNC never informed me they was closing them. I have a job and my check is direct deposit. I asked them will I be able to get my deposit cause my rent is due and was told they have to hold it for 30 days.
I have been so stressed out over the fees and lies from PNC I feel like I have PTSD. Not only have I lost a lot of vendors and clients for my business but now my personal life is in shambles and I may get evicted. I went to my doctor for major headaches and anxiety all due from dealing with PNC. HOW CAN THEY DO THIS. It's not fair how they are allowed to screw people over.
UPPER ST. CLAIR, PENNSYLVANIA -- I've been a loyal customer for over 40 years. I always was pleased with their service. Not now. PNC has become rude and intolerant. Don't be surprised if they try not to give you large amounts of your own money and/or kick you and your accounts out because you ask questions or make a quiet complaint about anything. They did that to me and my daughter for no reason at all.
ATLANTA, GEORGIA -- The representative (Ms. **) was very helpful! I made a check deposit via ATM on a Saturday. However, the funds were not available until Tuesday. During that time, my PayPal account posted transactions to my PNC account (it's my backup account for PayPal) Monday from the weekend. I was under the impression the transactions would be covered due to my deposit.
Unfortunately, that was not the case. I received 4 overdraft fees totaling $144.00. I called first thing Tuesday morning and after calmly explaining what happened Ms. ** reversed the charges! She was SUPER nice!! Just wanted to post a positive story after reading the negative reviews because I was pretty nervous making my phone call after reading them! Thanks PNC!
Several months ago, we went to use our PNC check card and it was declined. So we call the 1-800 number but it's after 10 pm so no one is there to help us. We wait until the next day and call as soon as their call center opens. We are told they have no clue as to why are cards are DEACTIVATED. There is money in the account, they haven't been reported lost or stolen, and the account is still open.
Their advice is to go into a branch because apparently, the branch put the hold on the card. But it was Sunday, so no branch was open. After speaking with multiple people who tell me there is nothing they can do, we finally get someone who re-activates our card over the phone. No reason can be given for why they were deactivated in the first place. No one wants to take responsibility for it.
Tonight, the same thing. My husband just finished 7 days straight of work. Tomorrow, he starts 13 solid days of work. This was our only time to get out and have some couple time. Hire babysitter, hop in car, go get gas... card deactivated. Once again, it is after "business hours" and no one is available to help us until tomorrow. We are beyond furious and will be closing our account ASAP. While they have our home phone, cell phones, and email addresses, we were not notified of the deactivation. The first time it happened, we never even got a snail mail letter of explanation.
UPDATE: Called this morning at 7:20am and was told by automated system that it would be a 4-5 minute wait. At about the 4 minute mark, I hear a click and a message saying to leave a voicemail. I hang up and call back and got someone right away. She told me that she couldn't do anything since that department didn't open until 8am and that I should call back. I did. I spent 5 minutes explaining the situation, 35 minutes on hold, 2 minutes talking again to the rep and then another 10 minutes on hold.
She told me her supervisor couldn't reactivate the cards via the phone. I replied that wasn't true because that's what they did last time. She agreed that some supervisors "don't do that" but she had multiple supervisors in several states that she could try. I got the cards activated again.
When I asked why they were deactivated, she told me that it could be a merchant reported fraudulent charges, but when she checked, she said no. Then she told me it was because we were overdrawn, which we were the prior week but it was covered with a direct deposit 2 days prior. I asked her what triggered a deactivation versus just declining the card and she said it was the amount of days overdrawn. I asked her to quantify that and she checks the account again and says, "Oh, that's not it". Then she tells me that overdrawing 10 times in a 30 day period would deactivate the card. I told her there was NO WAY we overdrew our account 10 times.
This was a one time emergency that we had to deliberately overdraw the account and I was aware of it and covered it. So, then the reasoning was the amount we overdrew the account. Then she says, "Oh, that doesn't look like it was it either. Well, they are activated now". Gee, thanks. I understand declining the card but deactivating it? Even though the account was brought in good standing 2 days prior, we still had no access to our money. As for notifying us, we were told they "try to make an effort to contact the customer". We have no messages or missed calls.
BALTIMORE, MARYLAND -- On one faithful day, I went to Enterprise to get a rental car just for one day but to my amazement I found out that my PNC BANK account had been closed for no reason that I know about. I called the customer service and I was told the way a customer have right to close his or her account, the same way banks have right to close any account without notice or anything. This is not called for at all.
PERRYOPOLIS, PENNSYLVANIA -- I have been with PNC Bank for two years now. Over a year ago I had overdrawn my account mistakenly by less than $5. I bought a movie and thought that I had the whole amount in the bank, but mistakenly did not. At this time I didn't use my check card often so I didn't check the balance often. Almost 2 weeks later I got a letter in the mail stating that I was over $100 in debt due to overdraft fees, yes, overdraft fees! So, I went to the bank immediately and deposited my whole paycheck of $180, thinking that it would cover it.
The next day, I checked my balance. It turns out that since I had received the letter so late, I had accumulated even MORE in overdraft fee's and I still owed them over 100 MORE dollars! In short, I paid them over $200 for them giving me 3 dollars that I didn't have. So I paid that. Everything was finally in the norm until about 4 months later when I had an emergency and had to overdraw my account. I got that taken care of and everything was okay. Until about 3 weeks ago when I had to take 100 dollars out of my account that I didn't have.
I went into the bank the NEXT DAY and gave the teller everything that I owed, plus more! I made sure with her that everything would be okay and my account wouldn't be closed or anything. She assured me that everything would be fine. About 2 weeks after the incident, I received a letter in the mail from PNC Bank stating that they were closing BOTH of my accounts. Not just the one that I overdrew, but both of them! The letters also stated that I would receive a check in the mail for the balance of every account closed.
Over a week later I finally received the checks in the mail... PNC will stick you any way they can. They will not notify you of anything (and if they do it's way after the fact!), they will show no remorse. It's disgusting how the American People, the people who make this country, have hardly any power over their money or their government as a whole!
PITTSBURGH, PENNSYLVANIA -- I was a National City customer and the bank was sold to PNC Bank. I received much literature and information assuring me everything would be the same as National City just a different bank. I thought initial this is cool its part of a bigger bank and maybe I could get some cool services because of that fact. The horror begins...
Incident Number 1 started when my online banking that was supposed to be a smooth transition and all my bills were supposed to be paid as usual... NOT. Well in fact my very large rent check for my business never got sent. So I get a call from my landlord to tell me it was never received. Well I've had it automatically sent for the past 2 years. I called PNC and guess what they have no record of it being an automatic payment although they said it appeared as though it was paid same time every month. So I called National City who informed me they had no access to the account anymore so there is basically no record of anything.
I own 2 business so rent check number 2 shows up late... I file a complaint because National City had a guarantee but guess what I got no response... it went through some automated system and basically got told it was my fault. I had another bill supposed to be sent every month, again like above no record, never sent.
I had my insurance bill sent, but they used old account numbers... It had up till the transfer been paid on time and from National City. It got sent back to me because the account numbers were no longer active. Login ID listed my name and home address and phone on bill payer checks rather than my business. They explained that is the way it was at National City but it wasn't that way at all. Other bills that are sent every month same address both came back undeliverable. I looked at the addresses and they aren't even close to the address of where the bill was supposed to go.
Called into PNC to ask where to find something online but I didn't have my account number. I could tell them everything else including tax id. They said they needed my account number no exceptions. So instead of helping me I was again left flapping in the breeze.
Need account statements from last year which was available from National City but I guess isn't available anymore because PNC seemed to have lost everything from National City and I can no longer get any information or statements. So I decided to switch banks... end of story I guess.