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PNC Bank Customer Review

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Moneytalks's Profile Image

1 out of 5 marks

Reviewed by Moneytalks

Sep 18th 2012

Absolutely Asinine

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.

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Other PNC Bank Reviews

RaviR's Profile Image

Reviewed by RaviR

Oct 24th 2014

1 out of 5 marks

PNC should not be offering home loans

I commiserate with Ben Bernanke. I don't know his details, but I do know mine. I thought it'd be a no-brainer.

Consider this:

- I do all my banking with PNC and have done for years.

- I am a PNC Wealth management client, which means that I have "special" relationship. It also means that they have every detail of my finances with them.

- My home mortgage is with PNC and I paid off a significant amount of the loan off with already.

- My outstanding home loan amount is about 60% of the appraised value of my home.

- My credit score is 831.

- I applied for a home equity loan which is about 11.5% of my home's value (well within the home's equity). It also happens to be about 10% of my annual income according to the tax returns submitted to them.

With these parameters, I expected a smooth sailing, right? Of course not. They want profit loss statements from my business interests, investment reports including retirements, real estate deeds, some stuff I have never even heard of and did not even know where to get them from. More absurdly, they have most of what they are asking already with them , since they manage my wealth portfolio!

I gave up and withdrew my application frustrated and of course am reevaluating my relationship with PNC as a whole. The obvious question my brother-in-law asked me was why did you apply for a loan in the first place for such a small amount? For a stupid reason that I would get a loan with low interest that is tax deductible and the mistaken assumption that it would be a breeze to get one.

Well, I am just paying for the home improvement with cash, which I should have in the first place..

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4dave2323442334243's Profile Image

Reviewed by 4dave2323442334243

Oct 23rd 2014

1 out of 5 marks

PNC Is The Worst Bank In The World!

I have banked with all major banks over the last 50 years and i work in the lending industry! PNC mortgage is a complete joke and lie to their customers about rates, options, and do not disclose information vital to customers well being. Stay away at all costs.! You are much safer with BoA, Chase, 5/3!

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