PNC Bank

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1.1 out of 5, based on 16 ratings and
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Closed acct after overdrawn once, money was returned to them the next day!
Posted by on
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!
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trmn8r on 05/20/2011:
PNC is a great bank, a regional one. I am a customer and a stuckholder. They probably don't appreciate account holders who overdraw their accounts on a regular basis. I'm not surprised they encouraged you to move to a new bank.

If you think about it, the fact that they closed your account shows that they aren't in it just to collect overdraft fees.
trmn8r on 05/20/2011:
Also, PNC has the best overdraft prevention feature I have come across.

With Virtual Wallet, you get three accounts, one of them interest bearing. If your checking account becomes overdrawn, it takes from the interest bearing one with no fee at all. Automatically. Then they send you a notice in the mail, at THEIR cost mind you, of what they did for you.

I specifically opened my PNC account to avoid worrying about overdrafts.
Anonymous on 05/20/2011:
very good review!! I would suggest joining a credit union. I found it much more convenient.
Tina on 11/20/2012:
You Can tell by theses comments they are actually people that work for PNC bank lol .I totally agree with you Perry PNC IS NOTHING BUT A FEE CHASING BANK! The worst bank out there I will make sure I tell everyone I know what a terrble company to do business with .They do not care about the consumer also everyone is not on the same page you can talk to 5 different employee's and you will get 5 different explanations of their rules. What a disgrace as a bank. People are getting so fed up with theses banks I can see in the near future most will be turning to prepaid debit cards which work just as checking accounts.You can even have direct deposit also use your smart phone to take an image of your check for deposits.These will save us all on all these fee's the banks are doing to us they are biting off the hands that fed them.It's becoming a different world the average person is really getting fed up with the banking system!
Shannon on 12/17/2013:
Tina, I couldn't agree more. This bank is the worst. I have tried so many times to deal with them and failed. I am told one "policy" only to be told by another rep that the "actual policy" is.........! In my situation I have been told so many different "policies" I would never be able to tell you which is correct. I did however save many screenshots as well as my IM chats as proof and they still won't admit when they are wrong. I am sick to death of it. I am also so sick of the ordeal it is now to change banks with everyone wanting to do Ach debits and deposits it takes all of someone's time just trying to change the information in order to make sure you receive your paychecks on time! I am at my wits end with this bank!
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Deactivate ATM card
Posted by on
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.
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CaptainSpaulding on 09/24/2010:
I once had PNC Bank for a car loan. Dealing with them was one of the worst experiences in my life! A common occurrence with them was "The Mystery of the Lost Car Loan Payment". I would mail my payments to them two weeks before the due date, but more times than not, the payment wouldn't be credited to my account because they claimed that they never received it. After the same thing continued to happen after I started to mail my payments to them via USPS Certified Mail w/Return Receipt, I knew that they were full of hooey! I promptly paid off my car loan and haven't done business with them since!

My advice to you is to open an account at another bank and tell PNC Bank to shove their ATM card where the sun doesn't shine!
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Posted by on
I am FED UP with PNC Bank.

I had an account with PNC in 2006. I made an error and overdrew my account. Because it was overdrawn for too long, they closed my account and sent my closed (overdrawn) account to a 'recovery specialist' who works directly for PNC Bank in Pittsburgh.

In late 11/06 I received a letter from PNC Bank stating the amount of money that I was overdrawn that I needed to repay. Early 12/06 I called my 'recovery specialist' and made and agreement with her to pay a certain amount of money to PNC Bank via cashiers check... and I had a specific mail stop (internal mailing between PNC Banks) to send my payment when I got the cashiers check at the local PNC Branch.

I received a letter about a month or so later (01/07 or 02/07) stating that I had paid the balance as agreed and Chexsystems would be notified. Chexsystems is a reporting agency for financial institutions (similar to a credit report from Experian).

I believed their silly little letter and thought that the issue would be resolved as agreed since I fulfilled my financial obligation and paid them back as agreed.

A few months later I attempted to open a new checking account with a different bank. I was declined! The reason... because I still owed money to PNC Bank (THE MONEY I ALREADY PAID)! Well I called and my 'recovery specialist' guaranteed me over the phone that I had paid it off and that everything would be reported back to Chexsystems.

A few months later, which would now bring me to 10/07, I tried to change my savings account with a different bank, into a checking account. Once again, I was declined because of Chexsystems stated that I still owed money from 11/06 to PNC Bank.

By this point I was aggravated to say the least, but still remained patient, more patient then I now realize I should have been. I was giving them the benefit of the doubt thinking that sometimes things happen and confident that they would resolve this overlooked error. I requested them to mail me another letter stating that I paid the balance as agreed and that I did not owe any more money... and once again that Chexsystems would be notified.

I waited 2 weeks for the letter to come to my home and didn't receive a letter. I called again and spoke to someone else who said that my letter was mailed on 10/27/07. I waited a little while more until 11/17/07 and called back and advised that I needed them to send me another letter because I never received the letter which was supposedly mailed on 10/27/07.

The letter was the same as the first, it said that everything was paid off as agreed and Chexsystems would be notified.

January 28, 2008 I wanted to open another checking and savings account with a local credit union (now I have 2 checking accounts and 2 savings accounts with 2 separate financial institutions)... I bet you all know what I am going to say.... I WAS DECLINED AGAIN BECAUSE CHEXSYSTEMS SAID THAT I STILL OWED PNC BANK MONEY!!!! I was able to present a letter stating that I paid them in 12/06 and the woman opening my account said that it only takes 30 days for Chexsystems to be updated when the bank informs them of a change. WELL I called the 'recovery specialist' on 01/28/08 and advised that everything was still showing as NOT BEING RESOLVED ON CHEXSYSTEMS!!! Her response "Oh I see the problem, the drop down box is still showing open. I will correct the problem and notify Chexsystems. It will show up in 30 days that your account is clear with PNC Bank."

My patience was GONE by this point in time. LONG GONE! It took me 5 phone calls just between 10/07 and 01/08 to TRY TO GET IT RESOLVED.
I finally went to the local credit union and asked them my rights to order a Chexsystems report. The wonderful account rep at the branch gave me a piece of paper with Chexsystems information. In the beginning of March I ordered my own report. NEEDLESS TO SAY PNC BANK WAS STILL SHOWING UP WITH ME OWING THEM MONEY!!!! I called my local credit union and asked her if she could run the report YESTERDAY and she ran the report... it is still there surprise surprise!
Now if you count the days between 01/28/08 and 03/12/08 it is over 30 days.

I filed a dispute with Chexsystems; however, I don't feel that the dispute alone was enough. I made sure to contact the 'recovery specialist' supervisor yesterday and let her know of the situation. I said to her "please tell me WHY it has taken OVER 6 phone calls including TODAY just since OCTOBER 2007 to get this issue resolved. This has been ongoing since 12/06 what is the explanation that you can offer to me as to WHY it has taken so long?" Her response to me "Maybe you were talking to the wrong person". I said " I was speaking to my recovery specialist that was assigned to my case.... WAS THAT THE WRONG PERSON?" She insulted my intelligence and I feel that this a MAJOR case of a misrepresentation!!! They represented to me that Chexsystems would be notified... and they never were.

For all the time and effort I put into trying to get something resolved which was taken care of in 12/06... THEY SHOULD BE PAYING ME!


Anyone know who I can go to to file a formal complaint for all the stress, aggravation, time, and most of all embarrassment PNC BANK has unjustly caused????

There is no LOGICAL reason why this issue shouldn't have been resolved in 12/06 when they received their money.
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Phony Pending Withdrawals
Posted by on
Rating: 1/51
CLEVELAND, OHIO -- On a Monday evening I tried to make a purchase for $114 but only had $90.60 in my checking account. My bank card was declined. When I went home and checked my balance it showed a pending withdrawal for $90.60 even though the transaction was not completed and I left the store without any merchandise. I immediately called the store and was told it would probably come off the next day.

On Tuesday the pending withdrawal was still there and I called the store and they told me it was the bank's responsibility. I called the bank and the man laughed and said it was the stores fault "they're holding up your money". I called the store corporate office and they also told me it was the bank keeping the pending status on the money.

On Wednesday it was still pending and I called the bank and the store corp. office and again each blamed the other adamantly.

On Thursday I called the bank and explained how each was blaming the other and was told "well its both. The store could take the $90.60 from your account and you could pay the rest in cash". I told him "are you kidding? It's over! It was Monday. I'm not still in the store. The transaction was never completed. I have no merchandise. There isn't even a transaction number because there was no transaction". Then I asked if I had access to use this money while the pending status was in place and while he hesitated I said this is a yes or no question. He said no. I asked if I would have been charged a non sufficient fund charge if I had tried to use the card and he said "well yes, you don't have overdraft protection".

I stated "so PNC can keep this pending status on my money and then not allow me to use it and charge me NSF fees when you know that this transaction is dead"? The PNC representative stated "do you want me to take the pending status off today?" I asked if he can take it off today, could it have been taken off on Tuesday and again he hesitated until I demanded a yes or no answer. He stated yes it could have been if I had spoken to someone in his department. I stated that this was the same number I had been calling and he told me he was in a special department with authority to take the pending status off and that my call rolled over to his department because the regular department that doesn't have his authority must be really busy. He then said he would take it off and that it would be off on Friday!

This is ridiculous. Can this possibly be legal? It's certainly not ethical.
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trmn8r on 08/02/2013:
The first thing to note is that you were attempting to overdraw your own account.

The bank is in a tough position. You are trying to make a withdrawal from your account. The bank doesn't know the particulars of the point of sale, as was made evident in your interaction with the CSR. The bank would like to satisfy your (ACH) request to complete this transaction. By "bank" I mean the institution, not individual CSRs.

Yes, it appears that if you had gotten someone in the right department, they would realize this pending debit could be cancelled.

If anything, the first CSR could be critiqued for not realizing PNC could in fact remove this pending item, but I don't think there is any intentional act to keep a transaction pending when it shouldn't be.
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Virtual Wallet a Virtual Disaster
Posted by on
Rating: 2/51
I have been a PNC customer for about 3 years. I sought them out because my regional bank ticked me off a bit.

As first, I was very happy with PNC. First, they gave me a great (teaser) rate on opening an account. Next, there are actually 3 linked accounts, the interest bearing one and two others, that you can move money between. Overdrafts cause money to automatically be transferred from the growth account to the checking, with no fee whatsoever. Sounds great, and it has been at times, but that is when the system works. The price for all this functionality is it is strictly online - no paper statements.

The online portal is the problem. PNC uses a behemoth program called "Virtual Wallet" to allow users to schedule payments, and blah blah blah. All kinds of fancy screens and calendars. Fail - all I want is to see my transactions like in a checking account statement.

To the problem - on a good day it takes VW forever to load. On a bad day, which is yesterday and today, it doesn't load at all. The screen that says it is loading freezes. I called customer service yesterday and today, and they acted as a "go between" to the technical support that knows what they are doing and me. Both yesterday and today I was told "a problem ticket has been opened and someone will call you back." Today I was told it may take 3 days, and after that they would "have it fixed". The customer service representative admitted that the tech support guy told her the problem is "on our end".

That's it PNC. All I wanted was to see my transactions. No fancy graphics. I'm and my money are gone, alone with that teaser rate that you reduced to 0.01% several months ago. It's too bad - I really liked your setup. But I have to be able to negotiate my accounts without delay or a mental fitness exercise. I've seen other complaints and defended you, but that was yesterday.
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Jennifer D on 06/26/2013:
I have been having the same issues with VW and am questioning why I should even bother banking with a dinosaur that can't even step up with technology. I have the fastest internet speed out today with U-Verse and the idea that VW acts like it's going through dial-up is unforgivable. I will not be a PNC customer for that much longer!
Katie on 09/13/2013:
I've had a PNC Account for 10 years and have been happy with the online access, etc. I opened a VW in March and have been getting charged $10/month ever since it was opened, even though I never wanted the Performance part. I also cannot navigate the online access and can't seem to ever see all of the transactions. Super disappointed and will be closing it.
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Modification Or Fraud
Posted by on
PNC Mortgage is not trying to modify mortgages, they simply put you through their applications process and then lose or can't find the information. They repeatedly request duplicate information and claim to not have it.
When in fact most of my information was faxed as requested with confirmations.

I would think a investigation into their modification record would reveal many homeowners in my position who like me have given up after repeatedly filling requested papers and then being told that my papers were not received in a timely fashion. When in fact I responded in most cases immediately by fax and backed it up with a mailed copy.

This organization bought my mortgage from National and my past relationship with my primary mortgage company does exist anymore. PNC mortgage has confused and complicated policies designed to do just what happened to me - cause mortgage holders to get frustrated and give up on trying to navigate their playground.

If only our taxes could have been used to play with them maybe modifying mortgages to families would not be a game in which they deliberately do this. I hope by posting this other consumers will be careful before starting a relationship with this organization.
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khb01 on 08/15/2010:
It used to be that you ASSUME some level of competency from the banking industry. My experience with this bank proves the opposite (at least in this case). Very similar to other stories about PNC mortgage, their ineptitude, lack of proper record keeping and non-existent process management has led to a nightmare mortgage situation for me.
To cut a long story short, do not assume anything when trying to get your mortgage loan modified or back on track. Even if they tell you they have everything they need to proceed to the next step in the process, assume that they don't. Stay on top of them, and call weekly to check on progress.
Many of their customer service staff have a tenuous relationship with the English language, so be sure to double-check that correctly understand what they are telling you and they understand what you are telling them.

I did manage to get a well-spoken rep from their customer service dept on one occasion, and this person suggested to me that I hang up if it was clear that the rep answering my call did not have a good command of English. With an average of a 38 minute 'on-hold' time over my last 9 calls to them (yes- I've timed each one), it's very discouraging.
Brenda on 05/20/2011:
They are still at it, too. PNC has forced us into forclosure, even though we have been communicating and trying to work with them through our hardship since BEFORE our first missed payment. Now we will have to duke it out in court. I'm going for Forclosure fraud. Anyone else in a similar spot?
Liz on 05/17/2012:
I filed a motion to invalidate sale of my house. My experience is similar to Brenda's. They told me they couldn't negotiate with me if I'm still paying...
mtp8469 on 06/26/2012:
Hi Brenda, If you get this message can you tell us what happen when you fault then in Court on Mortgage fraud? My friend’s situation is very similar to yours.
DB on 05/04/2013:
KHB01 and Brenda I have been through the same thing as both of you and I am going to sue them for mortgage also and I live In Illinois and the Ilinios Supreme Court has made an incredible ruling designed to stop foreclosure fraud by banks. You can look it up on the internet and read it for yourself. If a bank can't produce the original Promissary Note, there pretty much dead in the water on foreclosure against you and some of the judges and lying lawyer's of the courts are all a part of the fraud game so I urge you to do your homework and learn your rights and do not leave your house no matter what they say or send you....
anita on 09/12/2013:
Harp is bait and switch. We have a perfect pay history across the board. If I can find a lender with no cost to close and no other charges, I will switch today. PNC is worthless, fax 5 times,they did not get it? Faxed from our branch,they don't have it? I worked in retail customer service....if I work like PNC I would have been fired. I was with Ohio National then purchased by National City purchased by PNC......bad deal, I am done.
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PNC Bank Sucks
Posted by on
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.

#2 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 went through some automated system and basically got told it was my fault.

#3 I had another bill supposed to be sent every month, again like above no record, never sent.

#4 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.

#5 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.

#6 (2) 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.

#7 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.

#8 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.
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Anonymous on 03/29/2010:
The takeover makes it a new business. Did you ever go online and set the auto pays back up? When BOA took over Nations, we had to destroy our Nations checks and get BOA checks, change our debit cards to BOA debit cards etc. I am guessing online banking would have to be changed too. If you did not do so, that could be why they had no record of the setup.
FlShopper on 03/29/2010:
That sounds like a nightmare!
As much as I hate Chase, when they took over Wamu they kept sending me emails and posting info on their website about all the changes and what I needed to due to ensure my account transitioned smoothly. I had to reenter all of my bill pay information, set up auto payments again, etc. It was a pain, but everything did switch over. It stinks that your bank didn't give you more information on how to make your transition smooth also.
Riah on 10/01/2010:
National City's bill pay was done through a company called Metavante. Metavante would call the payee and verify that the information a customer entered into their bill pay was correct. If it was, everything was fine, if it was not Metavante would correct the information IN THEIR SYSTEM, not in your online banking bill pay. This means that even with the wrong information the bill would get paid on time and correctly. Flash forward to the switch to PNC. PNC did in fact pull all the payees over however if ANY of those payees had been corrected in the Metavante system the wrong information was pulled from the online banking to the new bill pay system. Why would Metavante go the extra step of updating everything when they are no longer going to be getting the business? So many of the bill pay issues with the conversion was actually that the customer originally put in something incorrect into the payee and only now that the new system doesn't do the same things as the old is it being brought to light. Furthermore, if you were to write out a check and send it to someone you would read the address and write it on an envelope every time you send a payment. Why should online banking be any different?
totallypssst on 07/18/2011:
I moved and got no word from National City that they opened an acct. ,w/o my consent, with PNC. weeks before finding out I called NC, to close my checking acct., the representative said the closure was complete but it didn't reflect on this PNC acct.. I called trying to get answers, but everyone acted oike they no one knew anything and I got a lot of run around to a dead-end. Man, I need help.
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Unfair overdraft fees!
Posted by on
PHILADELPHIA, PA, PENNSYLVANIA -- I have also had a problem with PNC Bank and will soon be moving to another bank. Beware of online bill pay. I pay my bills every month with unline bill pay and always put in the amount and date two weeks before bills are due to be paid. This time I made a terrible error by inserting the wrong date and my bills were paid a week before I was actually paid overdrawing my account by hundreds of dollars. I live paycheck to paycheck and at this time have no money in my savings account to cover these bills. Of course all of my checks were returned and I was charged 9 overdraft fees ranging from $34 to $36. I was horrified and called the bank to explain. I was told that since my account was in good standing and I have never bounced a check, I would be reimbursed all but $100. I felt that as long as I was getting something back, I better take what I could and strick that as a lesson learned. The woman I spoke to also told me that the checks would be presented again in 3 business days at which time I would have the money in my account. The checks were presented again the VERY NEXT day!!! Of course again I didn't have the money in my account! Now I am being told that I will have to wait for all of the overdraft charges to appear on my account before anything could be done but that I should be aware that most likely nothing will be done since I was already giving one courtesy refund. I explained that the woman I spoke with me assured me I had three days and was told that they will investigate. Of course we all know this woman will deny this and now I will be charged tons of late fees. Not to mention my credit card companies charging me return check fees. Is this fair?? Does anyone know of anything I could do about this? If so, I'd love to hear from you.
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Anonymous on 08/29/2009:
Good luck on your situation. Sounds like a case of bad luck. Hopefully, it will get resolved. But, know that no matter where you go, there's going to be overdraft fees; that's something you can't escape even if you go to a credit union. I'm sure, next time, you'll be a little bit more careful. Mistakes happen. Hopefully, you'll get your money back. If all else fails, go to a branch and talk to the branch manager or teller manager instead of dealing with someone over the phone. Just explain to them calmly and nicely. People tend to be a little bit more sympathetic with a customer if explain things in a calm manner rather than go in with an attitude and start yelling right off the bat.
I hope things work out for you.
madconsumer on 08/29/2009:
how is this unfair? you admitted to making the mistake. they did offer to correct the fees at first, then it happened a second time.
Anonymous on 08/29/2009:
The unfair part was she was told the checks would be presented again in 3 days. They then sent them in the next day knowing it would generated 9 more overdrafts. Mad, that's the unfair part.
madconsumer on 08/29/2009:
merchants are not controlled by the bank when a returned check is re-submitted.
Anonymous on 08/29/2009:
*Shoo Biccey Shoo*
yoke on 08/29/2009:
The teller told the OP that the checks would be presented in 3 business days. The teller did not give wrong information. The checks presented themselves 3 business days after the first time they bounced. The bank did nothing wrong and went out of their way the first time around.

yoke on 08/29/2009:
madconsumer, the bank probably did not send the check to the merchant since the funds were not there. The OP is lucky the checks did not go out because if they did they would have been hit with NSF's from the merchants also. The bank did the OP a huge favor.
PepperElf on 08/29/2009:
And many places will cash the checks regardless of the date

in fact I was under the impression that pre-dating your checks wasn't actually legal.

that when the check is written you are supposed to have the funds to cover it immediately.

in this day and age floating a check is just begging for them to bounce
trp2hevn on 08/29/2009:
Pepper, I don't think the OP was pre-dating a check. She has online bill pay which you can set up to schedule a payment in the future. She put in the wrong date for the scheduled payment and it was sent out before she had the money from her paycheck.
It's a tough situation to be in. I don't think it was done on purpose. Just an innocent mistake that has great financial consequences.
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Business Service
Posted by on
Rating: 1/51
SANFORD, FLORIDA -- I brought a homeless day worker to PNC to cash a check drawn on my business account. The Sanford Florida branch manager had the personal discretion to waive the $10 fee and help the guy out, but wanted to be a selfish petty prick and refused. I complained that all their smiley talk about customer service is hypocritical phony lip service. SO guess what? For daring to complain about a policy you might disagree with - they canceled our accounts! Two business checking accounts and a Merchant Service account. How? In the typical way you would expect a machine-like uncaring big bank to act: a form letter in the mail, unsigned because no one had the courage to call or face us. No dispute. No conversation. No redress. Just rude, disrespectful, arrogant and typical of Big Bank.

This is the same type of smiley customer service attitude PNC uses when they foreclose and drag grandma out of her house and throw her onto the curb. AVOID PNC and move your money to a local, truly caring credit union. When more of us, the People, do this then the heartless, backstabbing bully big banks will change.
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trmn8r on 10/05/2013:
Asking to waive a fee (which I would fully expect them not to do - why should they for this person?) is OK, but expecting them to I don't understand. If you berated them for not caving to your demands, with conversation you didn't show here, I might understand them shutting down your accounts - a business can do business with whom it wishes, and if there is cause for concern about certain kinds of behavior happening in the future, they would have a right to act on those concerns. Without a tape of the conversation, it is hard to judge.
yoke on 10/06/2013:
When you realized they were going to charge the man a fee, why did you at that point just withdraw the money out of the account and give it to him.
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Predatory Lending Practices
Posted by on
Rating: 1/51
GULF SHORES -- PNC Bank of Gulf Shores seems to be dealing in predatory lending practices. I recently contacted my local branch of PNC and verbally requested an auto loan. I declined the approved loan. When PNC headquarters sent documentation regarding the loan [as mandated by the FDIC] they had run two loan applications, one for an auto loan and one for a secured loan. PNC also ran two separate credit reports through Experian [this lowered my credit score 20 points].When I contacted the loan officer she said the two loan applications were only internal and two credit reports were not run. The officer had personally checked my credit report again and said Experian did not show two reports requested from PNC. I ran my credit report to find two credit reports had been run by PNC the day of the credit applications. One for auto and one secured loan.The officer suggested I write a letter of dispute to the credit agency protesting the "mistake". When asked why I should protest a hit on my credit by PNC that did not exist [as PNC claims] she had no answer. Corporate was contacted that came to the same conclusion.

Why should a client of PNC have to contest a "mistake" on their report when it was not a mistake-PNC ran my credit twice without approval/ knowledge-providing documentation to Experian would only constitute fraud on my part. Bankers please stop this unethical behavior of lying and deception. I would like to personally thank PNC for lowering my credit score-wonder if my PNC credit card rate will increase due to lower credit score?
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CU on 07/18/2013:
Where is the predatory lending part of this story?

It sounds like the bank may have run a 'soft' credit inquiry to see what kind of loan you qualify for. These inquiries do not impact your score at all.

If it was indeed a hard inquiry, it shouldn't impact your score that much unless there are other factors. In any case, this impact drops right off when no loan is subsequently booked.
Weedwhacked on 07/18/2013:
You keep calling it a "mistake." Where is the mistake then PNC purposely runs two separate credit checks for two separate loans? They have you thinking it was a mistake!
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