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Personal complaint
Posted by NMSTrom on 02/14/2012
CHARLOTTE, NORTH CAROLINA -- I have been a happy RBC Bank customer for over 18 years. That goings back to when they were Centura Bank. That transition was very smooth. PNC will complete the RBC acquisition March 1st. Every correspondence I've received from PNC seems condescending. I was going to wait until the PNC was in full swing to decide to stay with them or not but after reading a number of PNC reviews I am going to find a new back today before they screw everything up for me here.

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Posted by warddw1526 on 2012-02-14:
Maybe you should give them a chance, rather than leaving due to other reports and condescending correspondance
Posted by Terminator's ghost on 2012-02-14:
I would suggest sticking with PNC only because I opened an account with them two years ago and I love the bank. I have experienced "condescension". Can you be more specific about what happened?
Posted by TINA on 2012-04-13:
I as well have been with RBC for 7yrs. NEVER had any problems. If you had to call there was Never a long hold time. With PNC I held the line for twenty minutes or longer...which I had to call about an issue on my statemet. There was a hundred dollar adjustment made to my account. It was a deposit that i had put in about a month prior that didnt go thru. They adjustted my account a month later, said that it never made it to the correct department. Now what if I hadn't had the atm depostit slip...guess I would of been out of a hundred dollars. I have read many reviews and I don't like what I'm reading. So I will be removing my funds and finding another bank SOON!
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Modification Process
Posted by Dc818419 on 12/29/2011
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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Posted by 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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Bad Investing
Posted by Cgram7upp74 on 10/14/2011
PITTSBURG, PENNSYLVANIA -- My mom died 6/09 and left my Brother and I a million dollar trust fund Through PnC bank. A single trust to be divided which was silly in my opinion. PnC promised the fund would last long because it will make 5% per year but so far, every quarter is has BIG minuses in front of money left. They have taken and/or lost about 400k so far. Last statement had a 70,000.00 loss to the fund. WOW this is horrible and I feel the bank is plain out ripping me and my bro. off!!!!!!!
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Posted by bob93 on 2011-10-14:
You better see a lawyer that deals in trusts.
Posted by DebtorBasher on 2011-10-14:
I agree with Bob, you have to get an attorney involved, especially with that amount of money being involved.
Posted by Clamshell on 2011-10-14:
Cut the lawyer out and get your stuff now! Demand a real accounting... could be he's overbilling (nah... lawyers never do that) or otherwise frivolously wasting the available assets, which would go against his "fiduciary duties".

Get the $$$ and put it in tax free munis.

Posted by traceylynn on 2011-10-15:
was it a *true* trust fund or an investment fund? If it was an investment fund with the turn in the market it could be very true it has lost 400k. If not you need to get a true accounting like the poster said above and figure out what is going on. Also if she had bills owing did they take the amounts out of it? That is a possiblity too. Good luck to you and condolences
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Electronic Transfer Limits
Posted by Csnollygoster93 on 09/19/2011
You have to drive to a physical branch of PNC Bank, withdraw cash, and then physically deposit money into a competing bank if you want to move more than $2,000 or have it available for withdrawal in less than three days! Good luck if you want to move more than $10K immediately, as their branches won't give you that much cash and their cashier's checks still take a day to clear. Welcome to PNFee Banking.

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Refusal to cash a check drawn off of there own bank
Posted by Doug_quinton on 09/06/2011
I received an insurence check from the insurence company, and had to drive from altoona to hunington to cash it, i had 4 pieces of identification and they refused to cash the check,,the very snobe lady told me it was to much, i have never had a problem cashing a check when it was drawn off of that bank. so I had to take it to a checking cash place and spend 241.00 to cash it.
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Posted by Fufu487 on 2011-09-06:
im thinking if $241 is the fee you had to pay the cash it (usually a percentage of the cheque itself) then it must have been a rather large cheque. Some banks have policys about cashing cheques of large size. Some won't cash a cheque at all.
Posted by oldisgood on 2011-09-07:
from days of working in a bank I remember that insurance checks are NOT checks, but drafts. The insurance company can refuse to pay the amount up until the time the banks presents the check for payment. There was always a hold on the check (draft) until it cleared. Only a small amount was available immediately. If you didn't have an account of your own in which to deposit it, you were out of luck and the check cashing place your only option. Actually, I am surprised they cashed it.
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Closed acct after overdrawn once, money was returned to them the next day!
Posted by DerekDudage on 05/20/2011
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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Posted by trmn8r on 2011-05-20:
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.
Posted by trmn8r on 2011-05-20:
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.
Posted by Anonymous on 2011-05-20:
very good review!! I would suggest joining a credit union. I found it much more convenient.
Posted by Tina on 2012-11-20:
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!
Posted by Shannon on 2013-12-17:
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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Botched auto loan denies me title to requires me to pay anyway.
Posted by Nervey on 03/02/2011
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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Posted by 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.
Posted by 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.
Posted by 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.
Posted by 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!
Posted by 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.
Posted by MotleyCrueGuy on 2011-03-15:
You still owe PNC for the loan - the screwup is the dealer, not the bank.
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Pnc crooks
Posted by Alli babba on 01/01/2011
NEW JERSEY -- Pnc bank takes advantage of people. They know you don't know what is going on in certain situations and they are legally able to rob you. Then they tell you what you should have known. They talk you into opening accounts that will make you lose money. You don't know this until it happens. I lost about enough money on an account with them that I could have bought a brand new car with that money. It was some kind on brokerage account or somthing. Then they tell you nobody held a gun to your head to make you do this. I also just found out that they are stealing 20 dollars a month out of my checking account because it went below $2,500.00 in my checking account. I don't know how long it has been going on. I just noticed this and talked about this to arep there who put two months worth of stolen money back in my account. I want it all back. I have been negligent in looking at my checking account statements. I need to fix this. I did get this change to a free checking account. I was told they can't refund all they took from me. I need to go back and see how far back it went. They take advantage of you and then tell you you should have would have and could have known.

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Posted by tnchuck100 on 2011-01-01:
They've gotcha. They rely on people not paying attention to what is going on. They succeeded. The fact you got two months back is a miracle.

Helpful review though. It could help others.
Posted by leet60 on 2011-01-01:
"I have been negligent in looking at my checking account statements. I need to fix this. "

Enough said.
Posted by trmn8r on 2011-01-01:
Wait a minute. You had a checking account and didn't know the terms regarding minimum balance. I opened a PNC account 5 months ago, and I know all the terms and conditions. There is no minimum balance on my accounts.

You SHOULD "know what is going on" and you SHOULD "check your statements." There is a law about inspecting your statements and challenging fees going backwards. I think you have 60 days max, which is consistent with your refund. Works this way with other kinds of companies also.

Personally, I think this is helpful because it highlights what not to do when you have a checking account. I don't see anything PNC did wrong.
Posted by jktshff1 on 2011-01-01:
"Then they tell you what you should have known." Ya answered your own question.
Posted by Obsfucation on 2011-01-01:
If you aren't capable of managing your own money, which by your admissions you are not, how is it their fault?
Posted by Agitated Banker on 2011-01-11:
I can't stress enough how important your statement is. It's your best source for reconciling your balance and also a communication channel your bank uses to let you know about policy changes and special offers. All those changes people always claim were made without notice are always mentioned in your statement, often with a number you can call or a website to visit with questions. What's worse is if you're just tossing (not keeping or shredding) your statements, you're leaving yourself exposed to the real crooks...identity thieves.
Posted by MotleyCrueGuy on 2011-02-14:
Making comments like "stolen money" to refer to an account maintenance fee (that obviously they've been more than willing to help with) just makes you sound like a horse's posterior.
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PNC Bank Stinks
Posted by MITZLEPLIX on 11/02/2010
Had an account with them for 3 weeks and ready to go somewhere else. Customer service stinks and they only care about getting your money. They could care less about you. They are holding deposits for days and I can't get the branch manager to call me back.

Must be hiding in his fancy office, laughing his butt off, rolling in the money.
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Posted by Weedwhacked on 2010-11-02:
Are they holding deposits from checks? If so, all banks are doing that these days. You can't deposit a check and use the funds the same day!
Posted by trmn8r on 2010-11-02:
I opened an account at PNC a few months ago, called "virtual wallet." I don't want to sound like a shill, but I find it very easy to use. There are actually 3 accounts in one, and they automatically draw from savings without a fee if you overdraft using a check, debit, or ACH transfer.

It sounds like you got stung early on because you didn't understand their procedures. I'm sorry that happened to you. Banks do place holds on checks... I have found the CSR's and managers to be very responsive.
Posted by getoverit on 2010-11-03:
Last I heard, banks are for-profit institutions. I always though their whole purpose was to make money. I don't expect my bank to care any more about me than I care about it.

I'm curious as to what it is you want to talk to the branch manager about. I'm sure that the procedures being followed with respect to when funds from checks you deposit are made available to you are established by people way above the manager's pay grade. I would also imagine that the check holds are programmed into their system and that there really isn't much a branch manager can do about it even if he wants to.
Posted by MotleyCrueGuy on 2011-02-14:
I should also let you know that branch managers don't really "roll in money." They're actually horribly underpaid, often making under $50 grand a year in a job that has long hours, risk of being robbed, and constant demanding of meeting sales goals.
Posted by Nevik on 2011-05-23:
New accounts(less than 2 days) hold check deposits for 2 business days for amounts less than 50k. Anything above is held for 4 days. Sorry you think money should be there instant. Part of it is the bank not wanting to lose money on a bad check and part of it is the government telling them how long wait before making funds available. The branch manager should just explain these facts to you. Sorry you didn't understand how checks work before you tried to deposit one.
Posted by I HATE PNC on 2012-01-06:
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Happy to leave PNC
Posted by R128 on 09/01/2010
Had several accounts at PNC for years. One of them was a "Free" checking account they offered a few years back. NEVER overdrawn on the account. Then, after a year, they suddenly started taking $50.00 out for no reason. I called and they said they take this fee out once per year as a maintenance fee. I told them that I never agreed to this, after all it's supposed to be a FREE checking account. They said they will put the $50 back into my account but it would take 7 to 14 days. I was not very happy that they would just take $50 without informing the customer. How many other people have they done this to?

I only used this account to pay my bills so I deposited just enough to cover my checks and nothing extra. After 2 more years, I suddenly get a notice from PNC that they're closing my account but it didn't list a reason why. I called and they told me that when I opened my account, the agreement stated the I have the right to close my account at any time without providing a reason, and they have the same right. She stated that they choose not to give me a reason. I know the reason. I didn't let them rip me off with their illegal fees on a supposedly FREE account.

I'm actually happy they closed that account because I then closed my other accounts with this crooked bank. To me, PNC stands for Pigs 'n Crooks. Anybody else have similar problems with their so called "fees"?
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Posted by Anonymous on 2010-09-01:
Its just banks trying to find some other reason to screw their custoemrs over. YOure right, they closed your account because youre no "profit" to them any more.
Posted by leet60 on 2010-09-01:
Fees for banks are "money makers". They make absolutely no money on an account that is offered as "free", especially for a depositor that deposits only the money they spend for bills.

A bank typically makes its money three ways - interest on loans/credit cards, lending depositors money "overnight" to the Federal Reserve, and fees. In the past decade the biggest income and profit generating tool has been fees.

With the government clamping down on credit card and overdraft fees the banks immediately began to be creative and institute new fees not covered by the legistlation - you are likely to find this at almost any bank now - you are better off dealing with a credit union.
Posted by Obsfucation on 2010-09-02:
Well of course Prince, they are a FOR PROFIT corporation. Depositors are always notified of changes in fees, the sad truth is that 60% don't open their statements, and the 40% that do usually don't read the inserts. The regulators are very specific aabout the notifications that have to be made when a fee changes.

Expect to see more of this. As the feds tighten the screws, things like free checking are going to be history, along with free bill pay and ATM withdrawals. Banks are going to start cutting loose the unprofitable accounts, in the same way that credit card companies cut out accounts that weren't generating enough income to cover the costs of maintaining them. It's a whole new financial world.
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