PITTSBURGH -- I am a teacher and I get paid on the very last business day of the month... except for December, I get paid on December 15 and then I will not get a paycheck again until Jan. 31. I schedule payments linked with my own checking account that is not with PNC. I usually set them up a few days before the bill is due. This was a terrible December for me. It was the week right before Christmas and my precious grandmother had passed away. I accidentally selected Dec. 31, instead of Jan. 31. I called PNC to see if they could reject the payment and I was told no and to call back on Jan, 2. I called and after going through several people on the phone, I was told that I would receive a full refund check within 10 to 14 days.
I called on Jan. 16 and I spoke to a nice gentleman and I was informed that no check had even been written to me as a refund and they would write it first thing on Jan. 17 and that I would have to wait 10 to 14 business days before I should expect my refund check. I told him that it was not his fault, but that I really need to buy groceries for my family, gas for my car, and pay a few bills. This payment caused me to be overdrawn with my bank... so now I have negative funds to live on from Jan. 2 until maybe 10 to 14 days from Jan. 16. The worst customer service ever. I bet the lady that told me that I would receive a refund check is able to buy gas and groceries and whatever else. I cannot wait to transfer my car loan to a different bank!!!
PITTSBURGH, PENNSYLVANIA -- NEVER, EVER deal with PNC Bank, the bank that had the lien to a vehicle I purchased. I've never dealt with a company with so many incompetent people. I literally paid 3x for this car. We mailed payoff day I bought the car, they lost it and then sent it back to Chase for reasons unknown. Had to wait and wait for them to "attempt" to find it. Finally we got the above answer so we called to do AHS transfer, got them to read all info back yet never took funds. AGAIN, had to wait and wait for it to show they didn't actually do the transfer.
Finally did it again and went thru, promised to overnight the title as soon as it went through, yet took them over a week to actually mail the title. That's just the beginning of everything they messed up. Took me 46 freaking days to get the title so I could register AND actually drive the car I paid for! I also was forced to pay a late fee due to them taking so long to get everything taken care of. NEVER, EVER, DO BUSINESS WITH PNC BANK!!!
PITTSBURG, PENNSYLVANIA -- I had read a few concerning reviews but because of the highest available interest decided to go for it anyway. Terrible mistake. The approval of the account went smoothly but then the ongoing frustration continued to mount. Even though the account was approved, I couldn't transfer any money into the account for 5 business days. Now understand, I was trying to put the money in, not take it out. Once I was able to transfer money in, it had to be done in $75k increments per day. The maximum amount that can be deposited in 30 days is $250k. I wanted to deposit $375k.
As you can see PNC seems to be doing everything possible to keep me from doing business with them. By the way, I talked with several people with the bank, going all the way to management, and there was no willingness to allow me to move forward in depositing my $375k in their bank. So if you decide to go with them anyway, make sure you stay under the $75k amount and don't think PNC will make it easy.
Just so you'll know, I was able to move my money into another bank just the way I wanted to do it without any of the above problems. Yes, it was a slightly lower interest rate but if there was this much trouble depositing the money in PNC, I can't imagine what other issues could have arose in trying to get my money out.
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 store's 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 it's 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 nonsufficient 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.
I have been a PNC customer for about 3 years. I sought them out because my regional bank ticked me off a bit. At 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.
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.
Worst service! I used the PNC App and tried to pay my credit card. The App had a feature of “Pay my Bills”. I transferred the money and it took five days to send it. Then the PNC customer representative promised me that he would help me remove the late fee. Today when I checked my account. The late fee was not refunded. I called them. The representative named Austin (in the acceleration support team) told me he could not help and later hung up my phone call. Since PNC could not help, why did they say they would previously? I was shocked by Austin's attitude because never had I met such a rude customer support!
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.