I have had a credit card with pnc(formerly national city bank) for about 8 years or so, and used to have an exceptional experience with them. However, the past 3 months when pnc fully took over the front of the house operating system for credit card services, everything has quickly gone downhill. The online account system will lock you out frequently, and then prompt you to call in.
When you call the 1-800#, by the time you get to a live representative, they will tell you they have to mail you your password. (who doesn't use email these days? ) meanwhile, you can't get online to access your account to see your balance or pay your bill. The phone associate will transfer you to someone who can give you the information about your account, but if you want to pay your bill on the phone with them, you will be charged $10. Otherwise they'll gladly transfer you (again) to an automated payment service. So even though you've already been on the phone with them for 15 minutes, they won't do you the courtesy of taking your payment right then and there.
And if you pay your bill in full every single month and you make 1 single late payment by 1 day- guess what- they won't for any reason waive that $25 fee. Although the customer service representatives are pleasant enough, pnc's practices and policies are unintuitive and un-flexible to the customer's needs. I would strongly deter anyone from stepping foot into this establishment.
This is a quote from my 18 yr old grandson who doesn't know much about banking as yet. He went in to cash a check that i had written to him. He was nervous because he had never done that before. I just got a text from him saying "those people at pnc are so nice! " he is working with another bank to open an account. I think because they are not as "nice" he will be changing it over to pnc. Thanks for being so kind to a young person who may turn out to be a great customer in the future. Karen b.
I remember the days when i first started banking when my bank would call me to let me know that i needed to make a deposit to cover a transaction pending. Now the system seems to be set up to maximize the amount of fees against the customer. If you make a mistake, oh well, thanks for the fees. Going to move to a credit union. We have been trying one out and they are more friendly and don't seem to be out to suck away your money. I have watched over the last 2 years pnc make multiple changes to the electronic processing and it just seems to get worse and worse. Sorry pnc, you have lost another 5 customers due to your poor practices.