Friday, November 16, 2012 - 8:57 AM
Worst Bank Ever.PNC Bank, National Association
My husband and I opened a savings and checking account with PNC shortly after our wedding last year. The only reason we chose this bank was because of the supermarket locations that have more extended hours than other banks in our area. Since opening this account we have had nothing but problems. These are just a FEW of them. -The first was a small issue, they spelt both of our last names wrong (2 different ways) and my husbands middle initial was wrong as well on the debit cards they mailed. So I called after noticing, they told me they fixed it and would send new cards out. The new cards were still spelled incorrectly (our last name only has 5 letters, so I'm not sure why it was so hard for them). So we tried to go up to our local branch (Severna Park, MD). And we were again told they would send new ones. Mine was corrected, his was not? These people are so incompetent. After sending a total of 5 cards for my husband, they finally sent it with the correct spelling. The following week my husband tried to make a withdrawal through the drive-thru and gave them his ID, well apparently the name had been corrected on the debit card, but not on the account information. So because his name didn't match they wouldn't let him make a withdrawal!!!! It took over 2 months to finally get everything corrected. NEXT ISSUE -We tried to deposit a check for a little over $400 through their ATM because it was after hours. Well the next day we checked the online banking site to see if it had posted. There was NOTHING showing anything was even pending. I went up to the branch (with the ATM receipt) and was told by the rude teller they had no idea what happened to the check/deposit and to come back the next day to see if it showed up. Went back the next day, was told again to come back the next day. Went back a final time and asked to see a manager. She told me that they couldn't do anything because the ATM checks had been sent out to the processing center and that I should've come in the morning after the deposit! I WAS FURIOUS because I was there 3 days in a row, if the teller had of just went to get a manager it could've been a lot smaller of an issue. So the manager ended up sending a request to corperate to give us the funds that were recorded on the receipt. So a credit was then issued by corperate. Once it posted, I was shocked to see the amount issued was $42.89 instead of the $420.89 that was the correct amount. After hours on the phone, being transferred from one department to the next they finally set it straight. Almost 2 weeks after the initial ATM deposit was made, we finally had the correct amount... What a headache! NEXT ISSUE -We were told when we set up our Checking and Savings accounts that we could have them linked, so if the checking ever overdrafts, it would just take it out of the savings account. So we thought it was a great idea. They failed to mention they charge a $24 fee every time they do this, which is still cheaper than their $36 overdraft fee. We found this out the hard way. We made several purchases, just assuming the money would just be automatically withdrawn from the savings. We ended up with $120 in fees for using this automatic transfer. And after calling customer service we were told about this "fee" that had never been mentioned when the teller at the bank was giving her sales pitch. They removed 1 of the 4 fees. FINAL STRAW-The final issue we had before closing our account for good was because of an online purchase. The online purchase order did not go through because of some issues the retailers system was having. But a pending-pre-authorization amount was issued, but because the order didn't go through from the retailer they told me that amount would not post. Well I assumed a few days later that it would come off, so we made several other purchases. A few days later I checked the online banking site and saw we were issued 9 $36 overdraft fees which totals to $324!! Even though the preauth. credit had already disappeared from my account. I called the awful customer service line, and was hung up on 3 times before I finally got through to a representative. Well the representative hardly spoke English, and couldn't even understand the issue I was having. So he transferred me to online banking tech support, because I had mentioned that I checked my statement online. Needless to say tech support had no idea how to help me. So I was transferred yet again, to another person that I couldn't understand. After literally being brought to tears out of frustration and the loss of $324 and absolutely no help from the useless customer service line. I went straight up to the local branch and closed the accounts. I felt so good walking out of that bank knowing I would never step foot in that awful place again.
1. Friday, November 16, 2012 - 9:25 AM
Small Banks and Credit Unions are the way to go.
What bank did you transfer to?
2. Tuesday, May 21, 2013 - 8:59 AM
We had a very similar experience, charging lots of fees for pending transactions. When I asked how people are suppose to keep accounts in good standings if they charge fees without you knowing they are coming;the girl on the line said keep money in your savings account so this doesn't happen. He also said they can't remove fees while they are pending, the can charge fees for your pending transactions, but have to contol over their pal ending fees?? I hate this bank and cannot believe how rude the customer service people are. As soon as I can, I am closing my account for good!