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1.1 out of 5, based on 16 ratings and
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Money Taken by PNC From My Account
Posted by on
Rating: 1/51
TARBORO, NORTH CAROLINA -- Sandina, a recovery specialist with PNC went into my new account and withdrew all of my paycheck to cover a past overdrawn account that I had with PNC. I received a letter from her the same day that the money was withdrawn stating that payment was due and to pay the past due amount or set up payment options by sending in a check or money order or contacting her for other options. Before I could even send off a payment or make payment arrangements, she had already taken the money from my account. Everyone from the PNC 1800 number and even the reps at my local branch weren't helpful at all. The members of the escalation group and Sandina, the recovery specialist said that they can take your money to cover another account. They didn't give my the chance to make the payment or arrangements, they just went in and took everything I had in my account. I am without a doubt closing my account with them and never will I deal with them again!!!!
     
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DebtorBasher on 2013-07-13:
If your bank account was with PNC and the credit card/loan that was past due was also with PNC...then it's not surprising they helped themselves to the past due payment. As wrong as I feel it is for any bank to do this, many of them are. I regretfully worked for Chase bank, collecting on past due mortgages. We were told that 'yes' they are allowed to go into a customer's Chase bank account and transfer a payment to their house/car loans...and they DID! When I questioned them about it, they said they can do that because it is their money. I quit my job with them because of the way they do business and I didn't want to have any part in it.
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PNC Stole From Me Too
Posted by on
Rating: 1/51
Similar to many others here, PNC has incorrectly deducted numerous overdraft and continuous day charges from my account.

I contacted customer service, who refunded me less than 2% of what was incorrectly taken as a "courtesy", and got nowhere.

I then contacted every exec I could find and worked with one, who took more than a week to get back to me and refunded about 0.5% More; again calling it a courtesy.

Even after supply documentation (the bank statements they created) showing that these fees were incorrectly charged to me, they still refused to admit their error and make the correction. The latest excuse I got is that they have some internal system where the overdraft fees were correctly charged to me. Conveniently enough consumers don't have access to this.

Right now, I'm waiting on response from PNC, after explaining again the fees are incorrect and asking for access to this "secret" account statement that I don't have that tells them they correctly charged me.

Again, like many others here I did not choose to bank with PNC, instead they bought out my bank. It doesn't surprise me at all that PNC was fined for taking overdraft fees that they should not have.

I will be contacting the many law sites out there that are asking you to contact them with info on PNC stealing money from you. If any are legitimate I will be following through with that course of action as well.

My hope is that someone will see this and choose to not do business with PNC, thereby saving themselves the headaches, time and money that PNC has cost me.
     
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CUontheFlipSide on 2013-02-08:
The industry is extremely tightly regulated and scrutinized. If they assessed an overdraft, you can bet they can back it up. There is no secret accounting, it's a matter of a check you issued or a debit coming in and being posted before your deposit.
Because that legally the funds are supposed to be in the account BEFORE you spend them, they are within the law posting debits before credits. You will find posting order far more friendly at a credit union.

By the way, they were not fined for taking fees they were not entitled to. They were fined for not adequately notifying customers of their procedures. That's the reason that when you open an Account Now, you sign a statement affirming that you received a fee schedule.
ok4now on 2013-02-08:
Here's an easy solution to your problem, join a credit union. Their rates are better and you won't get whacked with all of these fees.
leet60 on 2013-02-08:
ok4now is right on target with the suggestion to join a credit union. Banks are fee heavy and with the increased regulation and resulting profit loss they are becoming quite creative in making up for their loss.

In retrospect, you should not spend money you are not 100% certain has been credited to your account. I realize many live paycheck to paycheck, however, until the bank credits the deposit the funds are not available. You cannot spend in anticipation of the credit, hoping the charges will not post before the deposit.

Although many do not, I still keep a checkbook register. I not only record EVERY transaction as soon as it is made, I round up to the next dollar. This give a small cushion that builds over time.
lisalew50 on 2013-02-08:
thank you for the suggestion of a credit union, I am looking into that now. but from reading many posts on PNC, even after you close your account with them, they will authorize withdrawals that come in then charge you an overdraft fee, how nice of them! And yes, I have already stopped auto deposit to this account and I have no auto drafts set up and I do not have any pending charges. so my hope is that this would not happen to me.

also regarding the comment from CUontheflipside, they WERE fined for illegally taking overdraft fees, you can read the class action lawsuit here
http://www.topclassactions.com/open/1260-national-city-bank-pnc-overdraft-fee-class-action-lawsuit-settlement-

or google PNC overdraft class action to get many results

I apologize that my post left out some information that some are commenting on.

the money was IN my account, and yet I was still charged an overdraft fee.

from the info below ( a copy of the bank statement provided by PNC, with my personal info removed) you can see that my balance was 400+ on the days they deducted the money from my account for being overdrawn


01/08/2013 4 OVERDRAFT ITEM FEE $36.00 $402.72

01/08/2013 3 OVERDRAFT ITEM FEE $36.00 $438.72

01/08/2013 2 OVERDRAFT ITEM FEE $36.00 $474.72


kaayzee on 2013-09-13:
I had the exact same experience.... overdraft fees on a positive balance.....they REFUSE to refund....
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PNC bank tried to rip me off my own money.
Posted by on
Rating: 1/51
EAST WINDSOR, NEW JERSEY -- This whole issue started feb.17th. I didn't receive items in the mail. I called PNC Bank about it, and they said they'd take care of it. they gave me the money back, and I had to sign papers when I received them.

April came, and still no papers. I called PNC Bank, and they said they'd send them. in the meantime - I wrote a letter to them explaining in full detail everything they needed to know so they could get their money.

finally in may I receive I received the affadavit. I signed them and mailed them with another letter explaining everything that happened.

to this day, PNC Bank wants me to pay them the money. I did everything I was supposed to do. they're supposed to investigate this issue, and they're not doing it. I refuse to pay for anything I never received. I don't want a lawyer, or anything like that. I just want people to know that PNC Bank isn't trustworthy. I did banking with them for 12 years with no problems. this is the first problem I had, and this is how I'm treated.
     
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trmn8r on 2012-08-17:
I'm sorry, but I don't know what this complaint is about, other than problems communicating with PNC Bank.

What was to be investigated, why were you to give them money when you were trying to get money back, etc?

You say you intend to inform people that PNC is untrustworthy, but you haven't demonstrated that they did anything wrong. As a PNC customer, I have to say I like them a lot compared with other banks I have had. I am interested in knowing what happened, if you could supply details.
leet60 on 2012-08-18:
It sounds as if the poster purchased an item, charged it with a PNC bank card and never received the item in the mail. The charge was disputed and PNC bank credit the money to the account during the period required to complete the affidavit and investigate the charge. Either the affidavit was not received by the poster in a timely manner, or not returned to the bank in the period required. The bank is now trying to recover the money that was credit on the disputed charge.
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A Bank That Don't Care About if Your Family Member Is sick..just Cares About GREED!
Posted by on
Rating: 1/51
PITTSBURGH, CALIFORNIA -- Hi, after the experience I have been having with PNC bank I am making sure by all means possible that this company gets exposed to how disingenuous, uncompassionate they are. This company and their policy are horrible for lack of words and they don’t care if you have a family member that is ill, unable to do things on their own because of medical conditions and that his son (myself that has POA over him) is trying to do the right thing and make sure the bills are paid.

I will go more in details as I am going to write the whole experience completely and thoroughly. I want to make sure this is exposed as many places (daily post on twitter and Facebook, local newspaper back east, BBB, Federal Reserve Consumer, and any other place PNC is connected to) as I can and WILL make sure it is known not to do business with this company ever. There are many other banks that are a lot more understanding and caring then this bank. As soon as my father’s account is paid off it will be closed. This company should be ashamed of themselves how they treat their customers as I know they would not do the same to their own family members with cancer.

I have never been treated so poorly and bad from a bank. DO NOT BANK WITH THIS COMPANY. This company cares more about GREED then people in a bad medical condition.
     
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DebtorBasher on 2012-07-06:
I'm sorry to hear of your Father's health issues.

I don't know the details, but if you are his POA, they shouldn't be giving you problems.
trmn8r on 2012-07-06:
Details are needed to evaluate your complaint. I can't tell what happened other than you are unhappy with something PNC allegedly did or didn't do.

I am a PNC customer and I love them. I'm sorry your experience hasn't been the same and I am interested to hear what happened.

I am sorry to hear about your father's condition, but generally speaking banks do not make exceptions to policies based on personal matters.
clutzycook on 2012-07-06:
You say that you are your father's POA. Is it for both healthcare AND finances? Having one doesn't automatically give you the other.
madconsumer on 2012-07-07:
thank you for the warning. with all the poor reviews I see on this site about PNC Bank, I will be sure to avoid them.

very helpful review, and voted as such.
raven2010 on 2012-07-07:
I agree with DB---if the OP has a POA that is FINANCIAL there should be no issues. A healthcare POA is a separate animal and these animals are not interchangeable.
DebtorBasher on 2012-07-07:
Being the POA for my Dad finances and medical...I STILL have to put him on the phone to give persmission to speak with his credit card company...oh wait....he has PNC...*Slaps myself on my forehead* I even had my Dad sign an authorization letter to PNC to allow me to speak with them when needed so he doesn't have to get on the phone! Luckily, I don't have to call them very often, I just pay the bill in person at the local branch or online.
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Failure to transfer autopay accounts after RBC buyout
Posted by on
Rating: 1/51
WILMINGTON, NORTH CAROLINA -- PNC buyout of RBC. Complete FAIL. Automatic payments for INTERNAL accounts - specifically line of credit payments were not transferred. Other EXTERNAL payments were transferred, so it would only make sense that the internal automatic payments would be transferred, but of course that would not benefit PNC, so they just let it go, never CONTACT the customer to let them know that the account is not paid and subsequently charge late fees and ultimately report durogatory feedback on credit reports. I have had NO negative credit on my report until this occurrence. Do not bank with PNC - complete lack of ethics.
     
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traceylynn on 2012-05-02:
when PNC bought out National City in our town they sent out several letters to us stating auto pays would not be transferred and we would have to manually do it. Reason being is that the routing number changed and there was no way to go in and automatically change everyone's bill pay info.
trmn8r on 2012-05-02:
I LOVE PNC Bank. They have a small bank feel. I have three linked accounts that money is moved between automatically if I overdraft, with no fee. The online banking is great. The people at the branch are friendly.

I'm sorry your experience was different, but I will continue to use them.

The first reply makes it look like PNC covered this same issue when another bank was merged. Is there a chance you missed a notification?
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Not so online banking
Posted by on
Rating: 1/51
INDIANAPOLIS, INDIANA -- I am a former National City customer who's account was purchased by PNC. I also bank with Chase Bank. Chase has a great modern online banking system. I recently opened online banking access to pnc. Unfortunately, I forgot my new passowrd and hoped to reset it. With Chase, they will automatically send you a text message with a temporary access number so you can get on right away from anywhere in the world. PNC doesn't do that. In order to change my online password, I have to call them by telephone (not online) and then they will mail me a new password through snail mail (not online). They couldn't even email it to me. I know they have my email because they send me advertisements. None of this is state of the art or convenient. I think I'll transfer my accounts back to Chase.
     
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BigAl on 2012-04-13:
They do this for security reasons.
trmn8r on 2012-04-13:
As BigAl says, this is a security feature. I had trouble getting my online account going for a day or two, but it works fine. I would chalk this up to part of the cost of having a new bank, and not necessarily an indication the rest of the experience will be bad.

I have had other banks that required sending me password and account id information in the mail. There is a lot of opportunity for assuming someone else's identity here, which is why they do this.
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$100.00 Mistake...
Posted by on
Rating: 1/51
GASTONIA, NORTH CAROLINA -- I have been with RBC Bank for several yrs. NEVER had any problems or complaints. When PNC took over it was only a few weeks I had deposited a hundred dollars through the ATM. I noticed on my stament about a month later where they had credited my account for a hundred dollars. I called and waited on a representative for twenty minutes or longer. She then told me that it never made it to the correct department. It showed on my statement where I had deposited it and then they took it out and credited it back. Not sure what happened but don't like it at all. I have read a lot of really BAD reviews so I will be looking for a new bank SOON before they really mess my account up. Maybe if everyone else would do the same they would go out of business which in my opinion that needs to happen.
     
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Kris10 on 2012-04-13:
I had an issue with PNC several years ago. I had money in my account and suddenly they charged me with 3 over draft fees. I hadn't used my card at all, no checks and had made no withdrawls and at the time had no automatic withdrawls. You could see it on my statement over $30 in my account and suddenly over -$90 because of the erroneous OD fees. I went into a branch to get this corrected and they wanted to argue with me that I really didn't have ANY money in my account and they were in the right to take my money. THEN they tried to charge me fees on top of all that for trying to get THEIR error fixed. I told them to give me my money and close my account, or I would call the police and have them charged with theft. They gave me $20 back and I said screw it and walked away. Haven't been back yet.

I say get out while you still have your money.
trmn8r on 2012-04-13:
I do not understand the complaint. As written, this happens at my bank. A transaction will *appear* to be reversed and then done again, like some sort of bookkeeping thing. This happens with my TD Ameritrade stock trades sometimes as well.

I love PNC after 2 years with them. I wish I knew more details to be able to understand your complaint better.
BigAl on 2012-04-13:
This seems to be purely an accounting issue that had no impact on the amount of money in your account, but without more details, impossible to be sure.
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SAVINGS ACCOUNT SET UP FOR CHILDREN RAIDED WITH BANK FEES
Posted by on
Rating: 1/51
SOUTH AMBOY, TEXAS -- In 2001 I opened savings accounts for my 5 children. Then we moved away in 2006. I did not receive any communications from the bank. In 2009 I contacted the #800 listed on the last statement I had received in 2006 and was told to call the branch where the accounts were opened. From 2009 through 2011 I was given so much run around by the various managers that claimed they were in charge and operators who recognizes my voice and my phone #. Now residing in Texas I was at the mercy of these people I spoke to, who tried to tell me that nothing can be done to return monies put into savings account for minors and now has been used up(stolen) by the bank for fees.

My question remains how can you teach a child about savings if the banks will steal their money and claim they were used for fees and how can my children get their money back?
     
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Inat on 2012-03-03:
were they free savings accounts? Did the terms of the accounts change between 2001 and 2011?
clutzycook on 2012-03-03:
You may not have taught them much about saving, but you did teach them a valuable lesson, regardless. Don't leave money in an account with no monitoring. Just because there were no fees when you opened the account doesn't mean they won't change their tune later on, especially in this day and age. And if you move, make sure you give them your new address and follow up if you don't hear anything after a couple of months.
Nohandle on 2012-03-03:
Some among us honestly forget about some accounts set up many years ago. It could be for ourselves or a family member. And yes, banks change ownership and either decide your account can be written off or eaten up with monthly charges. Often the account holder knows nothing about it unless he keeps up with it on a regular basis.

It happens, no kidding, and this is where many bank employees once enjoyed helping themselves to once what were called *dead accounts* with no activity for a long period of time. When a bank examiner came in those were eventually caught but I believe they are far more knowledgeable now. Too many other ways to steal other than the most obvious places to look.
tnchuck100 on 2012-03-03:
You betcha there is a lesson they can learn here. Never trust a bank. Monitor your money and their shenanigans constantly. They get better every year at contriving ways to separate you from your money.

Your best bet will be with credit unions and local banks.

Just curious, how much money in total did they pilfer?
trmn8r on 2012-03-03:
It's very hard to evaluate your complaint without knowing the details of what fees you were charged, if you were made aware of the fees at the time the account was opened, if the fees were instituted after the account was opened and the bank claims it notified you, etc.

I opened an account at PNC 3 years ago and I love that bank. I'm sorry your experience is not at all like mine.
tnchuck100 on 2012-03-03:
Strange thing about these kinds of "notifications".
If you notify a company of something the law requires you to prove the company received it. To do that you must send it certified mail/return receipt requested.

However, the law will allow a corporation to send you something via US Mail pre-sort standard (bulk rate) and consider that legal notification whether you receive it or not.
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Modification Process
Posted by on
After reading other complaints I realize PNC does this to everyone, I have been working with getting modification since May 2011 and I'm no further into it, they keep asking to fax updated info never once have called me, I spend hours of my time calling and calling and faxing. with absolutely no results. I don't believe they ever intend on modifying your mortgage and just to shut you up keep asking you to fax info that sometimes they receive and then turn around and lose it????????This process has been so stressful, but I'm sure once they don't receive a payment I will get my very first phone call from them since last may 2011. Customer service there isn't any. I'm trying to work with them and stay her in my property but there is no one home at PNC..........TOTALLY FRUSTRATED DON'T KNOW WHAT ELSE TO DO. I have done the leg work and got nothing from them. At one point they were forwarding me to a voice mail of someone who didn't work for them anymore and hadn't for a whole month lol, How does something like that happen, I'm sure it was done on purpose to not have to deal with customers, If I was behind on a payment I'm sure I would have had a live person on the phone not a VM of an employee that left a month prior. It's now December 2011 and they are asking me to update my file again and fax updated info again, I just did this Oct 2011 lol, If anyone out there has any advise please forward.
     
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Kris10 on 2011-12-29:
Can you go into a local branch and update the info there? That way you know they have the information. Also, if you go to a local branch, you might be able to speed things along a bit.
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Botched auto loan denies me title to requires me to pay anyway.
Posted by on
COLUMBUS, OH -- Stay away from this bank. They can really ruin your life!

I had purchased/financed a used vehicle and they botched up the paperwork so badly that the manufacturer will not release the title, but they established the loan and still hold me responsible. I cannot drive or license my $33k car due to PNC's horrendous handling of the title work. And they are still holding me to the loan. It's been two months and no sight of a resolution. The manufacturer got their pay-off and they consider the car still owned by the prior owner, who is unreachable.

They are destroying my (once 811 score) credit... costing me thousands... and basically ruining my life. I'm so sick from this I cannot stand it. Attorney fees will be through the roof. This started with the PNC Branch on Henderson in Columbus, OH.. and has progressed to their upper tier loan centers with no resolution (all of PNC has been useless in trying to resolve this). Henderson Road, Columbus is horribly managed (well all of it is). And this after being an excellent customer with a prior vehicle.

PNC is heartless and will not resolve this. They simply say, "sorry". So, please find another institution to finance through and save yourself the pain. These people are thieves!
     
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Anonymous on 2011-03-02:
I'm sorry but this review makes no sense. Who is the manufacturer and how do they manufacture used cars? Where I live you don't receive your title until you pay off the car. I'm not sure if you are referring to the dealer as the manufacturer, but your issue should be with them and not the bank that loaned the money.
tnchuck100 on 2011-03-02:
If the vehicle did not have a clean title at the time of purchase you can take them to court and a judge will undo the deal.

That is a universal law. I order to sell a vehicle the title must be without problems. The buyer MUST be able to register it. If you can't register the vehicle it is NO SALE!

Consult an attorney. For a few bucks he may send a letter to the dealer to get his attention. That may be all it will take.

If you do pursue a court case you can sue for attorney fees and ALL of your provable financial damage. And if you can prove the dealer knew the title was dirty go for punitive damages as well.

Good luck.
trmn8r on 2011-03-02:
I am having a very hard time understanding what happened. Maybe some key dates, in chronological order, and what happened each step of the way. It sounds like the *dealer* may be at fault, but I can't tell for sure.

As far as PNC, I love them. I use them only for checking, but the customer service has been excellent.
Anonymous on 2011-03-02:
When a financial institution gives you a loan they hold the title of the car until the loan is PIF. I'm wondering how the loan was ever approved in the first place if the title is still in the previous owners name? You may want to start there..and follow Chuck's advice, consult with an attorney. Good luck!
GenuineNerd on 2011-03-02:
You should have been given a "memorandum" title when you bought the car. The memorandum title allows you to register the vehicle. You will get clear title once the final payment is made on the loan. If there is a title problem, the dealer, and/or the Franklin County title bureau, needs to be notified, not PNC.
MotleyCrueGuy on 2011-03-15:
You still owe PNC for the loan - the screwup is the dealer, not the bank.
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