PNC Bank, National Association

Horrible treatment From The PNC Bank Lincoln Park Location In Chicago.
- tomwilson - Wednesday, March 2, 2011 - 3:25 PM

 [name redacted], the Branch Manager of the Lincoln Park location was extremely rude and hostile in dealing with my fiancee's questions regarding her bank account. There was no attempt to be friendly/ cordial with the customer (i.e. us) Zero customer service. Her attitude was impatient and nasty. I will not recommend this bank to anybody. It is baffling how PNC can stay in business with this type of employee running the branch. I could not believe how rude this woman is.

We will be closing our account and transferring the funds to another bank: definitely one that knows how to treat us like human beings. Awful experience and you can be sure all our friends will be informed about this incident.

Branch Managers should set the example of good customer service and not abuse their position of power and leadership.

PNC Is Bad For Families And Bad For Business
- shift2010 - Sunday, May 15, 2011 - 10:54 PM

PNC took over a local branch of another bank and we imediately saw changes. They found "cause" to fire everyone over 40, including 2 long time employees. At first I have to admit I didn't think anything of it. They brought in cute young tellers and updated the furniture and the paint in the place. Everything looked great. But experience is what matters. A lady we knew took one of our elderly family memebers who had dementia to the bank and the young tellers didn't question anything. This woman switched all the relative's money into a safty-deposit box and then kept both keys, telling this elder that it was best for safety's sake. This woman also had the family member verbally revoke a power-of-atourney and again, the bank workers didn't question anything. When we confronted the bank about this, instead of recognizing and correcting their error, they became defensive, refered us to the legal department and closed down not just my mother's personal accounts but business accounts as well. However, without informing me they kept my account that had been joint with ours open. It took me 6 months to discover they had been making money off of my un-closed account. The bank made a difficult situation worse. PNC is marketing for the 20 and 30 somethings. Well, I'm a twenty something and they will never have my business. You treat older people in our community like that and you should expect to loose business.

WORST BANK EVER
- kmoxl - Monday, May 2, 2011 - 3:41 PM

Where to even begin...

I was with National City when PNC bought them out.  I never received an updated debit card from PNC.  I called about this and was advised one was requested and in mail to me.  After a month of not receiving it and the date looming near of my National City card not working anymore, I went into a branch to have this taken care of.  The person I spoke with had been flown in from New Jersey to help with the merger...why they chose him...not real sure.  He advised me I could call and request it...I told him he could do it, and I would stand there until it was taken care of.  He called and got it taken care of so I thought.  He assured me I could still use my National City card until the PNC card arrived.

Cut to a few days later.  I'm in line at grocery store with a cart full of groceries and my 2 year old...I go to use my card, and it's declined.  So after being embarrassed by this, I leave my cart full of groceries and walk to the PNC located in front of the grocery store with my 2 year old.  I withdrew enough money to get me through and tried to calculate how much money I needed to keep in there for bills that were going through...not an easy task at this point with a 2 year old and another useless person behind the desk helping me.  I withdrew the money and also requested an order of checks be sent to my house as I still had National City checks.

A couple months later (still no checks had arrived), my husband and I had to move money around to each other for certain bills.  I moved money to his account, and that same day I moved it back to my account when we realized the charge would come to my account.  This created an overdraft fee for the 15 minutes the money was out of my account.  Really?  When I called to dispute this, the person on the phone was very argumentative with me and kept saying that while he is able to get the overdraft charge reversed, this isn't something that they do.  I have never been spoken to so rudely in my life.

Here we are now...yet again...another issue with overdraft charges.  I check my account and see 5 overdraft charges at $38 each in my account.  The first two overdraft charges occurred while there was still money in the account.  Consequently, charges that came through after that generated more overdraft charges.  Then a $2000 check gets deposited in my account that Friday, and 2 more overdraft charges occurred after that...once more overdraft charges occurring while there is money in the account.  I call PNC once more about this and am advised that I need to take my time and make the trip into a local branch to get these charges overturned.  I go into my local branch and speak with Tom, the manager on site.  He advises me he will check into getting them reversed and that he wasn't sure why there were overdraft charges while money was still in account, unless the money wasn't there.  He admitted their statements are confusing to read.

I'm sorry, but if I see money in my account and overdraft charges in there...that's not right.  There should be no overdraft charges.  Don't give me a story about how it could be these ghost pending charges out there and not be able to show that to me on my statement...as he couldn't.  I had to leave for a flight so he informed me he'd follow up with me.  After I didn't hear back from him, I called and left him a message over the weekend.  Today is Monday, and I still hadn't heard from him so I contacted him again.  He advised me he was able to get 1 overdraft fee returned (which still hasn't shown up yet of course!) but no reason as to why only 1...when 2 charges occurred while money was still in account and when 2 more occurred after money was account.

I informed him I was leaving and going to Chase once my paycheck was deposited this Friday.  He became argumentative and advised me it would the same thing with them.  I informed him that when it was National City, my checks were available that same day they were deposited.  If we moved money around our accounts, that money was available that same day.  It's not with PNC, and I'm done with it.  I'm done with the fake overdraft charges, and I'm done with the lack of customer service.  He kept argueing basically advising me I was wrong and that I needed to read the fine print with Chase.  Time to let it go Tom.  Rather than argue with me about my leaving...help me.

PNC is losing a solid customer with direct deposit set up on their account because of the above.  My fault for staying with them as long as I did after the first few occurrences.  Ridiculous.  I have no idea how this bank is even still in business.

 

PNC For IRA Rollover Has No Wire Transfer & Only Accept Original Document
- tina - Wednesday, November 17, 2010 - 1:50 PM

My husband's IRA CD will mature soon but we haven't even received the CD maturity notice from PNC(2 days away from that maturity date)!
But the most ridiculous thing is PNC doesn't even provide the wire transfer service for IRA CD rollover!

The detailed story --

1. I have to send the secure email to ask why we haven't received the CD maturity notice from PNC yet when it was only 6 days away from the CD maturity date. PNC replied was we have to call their IRA office. We called and PNC just said it already passed their 3-weeks notification timeframe of the maturing CD notice so they won't send it.
2. We then asked PNC to rollover my husband's IRA CD to other financial institution via "wire transfer". Surprisingly, PNC told us PNC does not provide wire transfer for IRA rollover; PNC only uses "regular postal mail to send checks" with $25 charge and they only accept "original documents" (no fax, no wire transfer). IRA rollover procedure has to be done via "regular postal mail" although the receiving financial institution provides wire transfer.
3. PNC do not track the mail either so it is up to the customer to track. We called PNC IRA department and they confirmed that the time line for customer to track the mail is as follows:

1) customer sends mail to receiving bank to initiate the IRA transfer. (PNC only accepts original documents)
2) when receiving bank sends the IRA transfer form to PNC, customer needs to call PNC for 7-10 days to find out if PNC receives the IRA transfer form.
3) when PNC receives the IRA transfer form, customer needs to call PNC for the next 2-3 days to find out when PNC finishes processing and sends the check to receiving bank.
4) since PNC only use regular mail (not certified, not registered, not FedEx, not UPS) which cannot be tracked, customers needs to call the receiving bank for the next 7-10 days to see if the check is received by the receiving bank.
5) if the receiving bank does not receive the check in 7-10 days, customer needs to call PNC. It takes 2-3 days for PNC to research. So customer needs to call PNC for the next 2-3 days to find out if PNC will re-issue and re-mail the check.
6) If PNC mails the check again, repeat the steps 4 and 5.

The whole process is complicated, insecure, and time-consuming. PNC dumps the horrible burden/hassles to customers under their ridiculous IRA rollover method. We waited in the post-office for 40 minutes just by sending the initiating letter to receiving bank. Consider PNC is one of the top US banks, their service is unbearable.


PLEASE NOTE: This procedure can lead to many problems, e.g. if step 6) repeated many times, your money will just end up in PNC bank forever but without any interest.

Check Deposit And Check Deposit Post To Account Time
- mikep - Thursday, June 16, 2011 - 3:05 PM

Deposited my payroll check with PNC's ATM Deposit service around 11:30 pm on my way home from work. I had checked with them before going into work that day about deposit posting turnaround times and was assured that my funds "Oh, would for sure be available for use around the end of the business day". No. No they would not as it turns out. As of 4 pm the following day I am informed that " the atm deposit service is a day behind so your funds wouldn't be available until tomorrow". I wish I had just waited to go to wal-mart to cash it now. I only get one day off a week so now instead of spending it with my girlfriend who I had promised to take out on a date I get to spend it in the doghouse without even the money to purchase dinner for just myself. All thanks to PNC. I will NEVER bank with you again.

PNC Banking
- christina_hulet - Monday, February 21, 2011 - 10:48 AM

 My husband and I have a PNC account that we really enjoy. We originally had National City, but stayed with PNC when they were bought. We really enjoy the extra features that PNC has to offer, such as allowing you acess to your money sooner. It makes it very convienent to leave the money in the bank instead of withdrawing all the time. I have all I need as long as I have my Debit Card with me. I also enjoy that my bank is very friendly and personal. They strive to call us by name, and are very attentive to our needs, even the needs of our two toddlers (lollipops of course) I love PNC bank and as long as they continue to treat us well, we will gladly bank through them. 

Great Bank, Treats You Like Family!
- hholt01 - Monday, February 21, 2011 - 12:07 AM

PNC Bank is a welcome relief in an industry that is increasingly treating customers like myself as just numbers or profit margins.  I was a long time customer of two "national" banks that continued to nickel and dime my accounts and then give me weak explainations about it.  I chose to try PNC after getting a mailer from my old bank offering me the opportunity to recover some unjustified fees only to have them rudely contradicted by the "national" banks manager.  After all the unneeded fees and "bait and switch" tatics at my old banks, I am so happy at PNC.  For close to two years, no hidden and tricky fees, a great branch manager, friendly attentive customer service.  PNC Bank really goes out of their way to earn your trust and business.

PNC OVERDREW MY ACCOUNT
- WhitneyBusiness - Saturday, January 7, 2012 - 5:41 PM

I have had a account with PNC, Zion, IL for many years.  I always had received good service.  I moved out of the area in Oct 2010.  In November 2010, I stayed at a hotel that pre-debited my account for $20 for each night I was staying in case I used any amenties.  I was told by the hotel that this would not appear on my account and was not actually a debit.  However, PNC did consider this a debit.  I was told that because I had "overdraft protection" on my account they, PNC, set aside that amount of money. This overdrew my account. PNC started charging me overdraft fees. After my stay, the hotel did put through a credit and neither the debit or credit appear on my statement.  PNC had charged my account so many fees by then that it didn't matter - my account was overdrawn.  I spoke with customer service and the branch. I was told there was nothing anybody can do.  The branch stated this AFTER I told them I no longer lived in the area.  PNC would not even let me close the account to stop the fees from accrueing.  PNC continued to charge me until I was negative over $500!!!!  Then, they closed the account and sent it to collections!!!

PNC CHARGED ME OVER $500 IN FEES FOR A CHARGE THAT DIDN'T OCCUR!!!

Great Checking And ATM Deals
- skutch - Monday, February 21, 2011 - 4:13 PM

PNC has one of the best free checking accounts I've found. They also reimburse you for ATM fees at non-PNC ATM's at the end of every month. Their customer service is great too.

Good Customer Service + Free Checking
- amyamyindc - Saturday, February 19, 2011 - 11:44 AM

I have had a free checking account at PNC for about four years (I bank at a Washington, DC branch). I've been really pleased with the level of customer service, both at my branch and when I've contacted PNC through their website or 800 number. At my local branch, the tellers are super friendly and I don't get that "everyone is ignoring the line" feeling that you sometimes get at banks in the city. If I do have to wait (it's in a location with quite a bit of foot traffic), the manager on duty meets my eye and tells me they'll be with me shortly, and the teller always apologizes for the wait. The times I've had a problem or an inquiry that I've submitted online, I've received courteous, helpful replies. My only complaint would be that they say they will respond to e-messages within 24 hours, but several times it's been 48 hours or more. Also, they've done a courtesy waive on several overdraft fees for me -- they can't do it every time (after all, it's my fault if I'm overdrawn), but I appreciate the willingness to try to help when they can, especially since I have free checking and don't keep a very big balance, so they really aren't making any money from account. Finally, PNC's online banking has a user-friendly interface and good security (e.g., if I change my account information, I get an email and a text message alerting me). I don't keep much money in my PNC account, so they don't have a lot of financial motivation to take good care of me -- I think it's just part of the corporate culture. It's smart, though, becuase if I ever do have more money, they've earned my loyalty.

Worst Web Site And Telephone Banking Of Any Bank
- Trader - Friday, December 30, 2011 - 4:27 PM

First, a little about me.  I have a lot more accounts than the average person, and when I use my local PNC branches, they are as good as any bank I use.

Before the purchase of National City, most of my accounts were NCB, but I also had accounts with PNC opened online.  I now have two personal checking accounts, a savings account, two personal credit cards, one business checking account and one business credit card with PNC.  If you include the rewards programs I need four separate logins to view my information.  For comparison, I have more accounts at Chase, but I access everything on one page with one login.

Today I attempted to pay a PNC credit card from a non-PNC checking account that previously required a fifth login under credit card services, if I remembered not to click on a similar dead link.  With no notification at all, that service was eliminated sometime after my last payment.  To make a credit card payment I had to use the telephone system which gives everyone an error message the first three times they enter the last four digits of the CC account number.  They you select option 3 and enter the full account number and can use an outside checking account if you enter all the numbers quickly.  If you are a sixty-something customer like me rather than a teenager who does texting all day, you may not make it.  Customer service is aware of these problems, but if you pay by phone with a human being a $10 fee is charged.

"How Can We Frustrate You Today"
- guermoquickshot - Sunday, November 13, 2011 - 10:35 AM

  I do a lot of banking.  I've been with PNC for many years, have lived in the same location, and am what the banks refer to as a "preferred" customer.  Nevertheless I am frustrated with this bank at every turn.  Any time I need to do something different form direct deposit or ATM withdrawal, I get caught up in mass amounts of red tape that waste a lot of my time.  For example:

  Depositing a check from Canada (even though it is in US funds)?, we'll send that back to you in the mail to you twice because the high school students we have as branch managers can't process a check.

  Depositing a check made out to someone else and endorsed over to you?  Better bring every person involved to the bank with more proof of who they are than they can carry.

  Depositing a tax return made out to you and your spouse (with both you and your spouse's endorsements)?  Go to Walmart check cashing...

  I'm not joking about any of these.  I have been advised to go to Walmart by my PNC branch manager for my banking needs.  The only good thing I can say about PNC is that they are a little better than Bank of America (which twice placed improper holds on my account, freezing all assets and bouncing checks until they figured out their error).

Worst Bank And Customer Service I Have Ever Experienced
- Billstevens - Wednesday, August 31, 2011 - 10:19 PM

They took $1000 from my account and when I called about it they told me that it was just a hold and to call back tommorow. Then when I called back they said someone had written a checck against my account but they did not know for sure and to call back the next day. Called the next day and they said someone in another state 600 miles from me had withdrawel from my account. They eventually refunded my money but never did explain exacty what happened and never really appologized for my troubles. They just didn;t care at all and treat you like a just another number in their system

I LOVE My Virtual Wallet Acct!!
- twitchrdrm - Tuesday, June 14, 2011 - 3:46 PM

Before I elaborate on my Virtual Wallet with performance spend acct. I have to admit something... I work for a direct competitor of PNC.  With that being said this is NOT the opinion of some biased PNC employee.

Also, I have read all of the complaints below and I cannot believe how idiotic some of the people on here are.  Are you seriously going to complain about OD fees? Or that your elderly relatives caretaker took them to the bank and they comitted fraud? Or that the ATM doesn't return your card the second after cash is dispensed? I have news for you people, these are idiotic complaints and instead of blaming PNC or whichever bank you will switch to and have the same problems (you will) why not educate yourself on how to not overdraw your acct, or take your lazy ass to a banking center and withdraw your IRA so you can transfer it.

Anyways...

This is the best account set up for someone like myself who is into convienience banking.  I almost always use my debit card, have direct deposit, pay my bills online, and have auto transfer from checking to savings.  With that being said, I can do all of this and more w/ my virtual wallet.  The layout is in the form of a calendar which shows you the full picture for the month, I love this.  I also like how easy it is to navigate and manage the multiple accounts that comprise the VW (spend for everyday things, reserve for OD protection/short term savings, and growth for longer term/higher interest savings).  Not only do i get a decent interest rate on my growth balances (as of 6/14/11 it is higher than most banks in the Chicago market's shortest term CD special) I also earn rewards points for using my debit card and online banking.

The only improvements I would like to see are: an app for the android mobile phone OS that rivals the Itunes/Iphone version, and real time transaction balance posting like Chase bank does.

All in all PNC created the perfect acct for me and I think many more people such as myself will hopefully catch on to this because it's amazing.  It's as if they took everything I could ever want and fold it into a useful interface/acct pkg. I didn't even mention the budgeting tools they provide you with and the ability to ACH transfer money to other accts you may have at different banks or pay someone at another bank, again lifesavers!

If you're into online banking and you like having a complete view of your finances do yourself a favor and check the VW accts out!

From A Former National City Customer
- Clark - Wednesday, February 23, 2011 - 7:22 AM

I was a National City Bank customer until they went belly-up about two years ago. I suppose they didn't entirely sink in the mud but were bought out for pennies on the dollar by PNC. The building is still the same but instead of the green National City sign it's now the navy blue PNC logo.

The changes inside the bank are negligible. The same friendly people work there and the counter is the same faux woodgrain finish. There is one major difference though. It's not inside the bank. It's outside, lurking. The PNC people changed the ATM machine.

The old ATM used to suck up your card, ask what account you wanted to deal with and eventually either spit out some money or sucked your check into its hole. When it was done with all this it spit out your card immediately.

The new ATM doesn't do this. It slurps up the card, spits out some money and then....wait for it...wait for it...spits out the card after about thirty seconds. By this time, and this is the drive thru I'm talking about, I'm long gone. Money in my pocket, on my way. Drove off without the card. I've had to pay for four new cards since the PNC takeover. It's ten bucks a pop. I'm not pleased.

PNC Is A Great Banking Institution
- choclab88 - Monday, May 30, 2011 - 7:07 AM

I love this bank. I have been a member of three different banks and PNC has been the best. I have had some problems in the past (due to a divorce) and they set me up with an account for, how can I say (problem bankers). It is called a Foundation Checking. I had to go in for a class (2 hours, I think) and then they put me in this high-risk account for 6 months. I am please to say I just hit six months and I will be transferring into a normal account. I just love them because they gave me a chance to get my life together a bit, prove to them I could get my credit up and they are always so friendly in-person, through email and I have used chat a lot and they are especially friendly through the chat service. I would recommend them to anyone.