WORST BANK EVER

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.