I prefer minimal interaction with PNC, as I have one checking account and an ATM card. Recently I have been forced to read ads when I use their ATMs, and cannot get my funds without replying to these ads (Y or N for info.) I feel ATMs should provide rapid means to do my banking, and very much resent being forced to read ads some Marketing moron thought was a good idea. I have called PNC 5 times complaining about this, the most recent yesterday (19 Sept.) For almost 20 minutes I explained that if I need such ad info, I can walk into a branch or go online for the info - the priority for ATMs should be rapid use. The 'customer service' rep (who had some pompous other title) told me 1. I was the only one complaining, 2. it would be 'difficult' to change 12,000 ATMs, and that since the ATMs were their property, they had the 'right' to waste my time. I then explained they were already wasting my time by forcing me to select a language to use the ATMs (here in a country where the language of business is ENGLISH,) and that wasting even 3 seconds of my time was not their right. He adamantly refused to do anything, and stated that there was 'no one else' I could talk to about this. If enough customers stop being sheep about how PNC does business, they would change their ATM procedures and remove forced ads, and make the default language ENGLISH. I am actively looking for another local bank, or a credit union, as they do not deserve my business; I will investigate filing a complaint with the BBB. My time is valuable to me, isn't yours?
About 11 years ago I began banking with your institution (then National City). In 2005 I bought a home which I sold in 2013. Sometime around 2010 I was advised to refinance and I did. I was also advised to take out a HELOC so that I could borrow money against my home if needed. I asked if the HELOC costs anything and if there were any fees or annual charges, etc. I was told â??Noâ??. Again, I never asked for the HELOC. I trusted the word of my PNC financial advisor. Before I signed the paperwork, I again asked if there was a startup fee, an activation fee, any fee for the HELOC and I was told â??Noâ??. I even asked how there could be no fee for something like this and, as it was explained to me, the bank does not need to charge a fee because itâ??s linked to a mortgage I already own and have good credit for.
Within the month I noticed a $350 charge on that account. I inquired about it and was then informed that in no way did I owe PNC $350 nor was that a fee of any kind, rather it was simply a convenience charge should I choose to cancel the account before 3 years. I informed PNC that if it is something I owe even conditionally then it is a fee by definition. I told PNC that I inquired about such fees and was never informed of this but the only responses I seemed to get were â??oh, wellâ??, â??thatâ??s not PNCâ??s faultâ??, and â??PNC didnâ??t force you to sign the documentâ??. I f this is PNCâ??s official practice then, although morally questionable, seems not to be illegal. However, engaging in this practice while touting that three of its seven Corporate Values are â??Customer Focus, Respect, and Integrityâ?? is deceptive at best and fraudulent at worst. When I asked to cancel my account days after opening it (and without having made a single charge against the HELOC), I was told that this was not a problem but that I would still be charged the fee. And when I say fee, you must excuse me. Th
I'm not one to be the most disciplined in the whole world, but I have also noticed the best bank experience ever. PNC Bank in Valley City Ohio is by far the best I have ever dealt with and believe me I do not get along with banks! This bank makes me feel like a person and not a number. This branch is by far the best I have ever dealt with. Mr Collin Vickers set me up with Virtual Wallet. I have been able to dispute an item that was withdrawn from my account that was cancelled and this bank credits me automatically until verified. This has helped me very well in managing my money! and helped avoiding multiple overdraft fees! Never in my entire life of dealing with banks, have I had the opportunity to do this. This bank helps thier customers. If they did not do this, then I would have been socked with numerous overdraft fees and would have to fight with the merchant to try and pay for these fees (impossible!) Also, I have the opportunity to stop payments before they attack my account with no charges and no problem! Unbelievable! I am so impressed because in the past, before PNC was National City and it was a terrible experience for me! Nothing was about taking care of the customer, it was all about the big money guy! Now I feel like I really have control of my account and to be honest I would not mind paying extra fees for this service. This bank does not charge me any fees whatsoever! They even reimburse me a certain amount if I have to use an ATM other then PNC.
In the past, National City would take the highest charge and post it first purposely and then charge numerous overdraft fees, granted I knew I was responsible, but National City was a huge rip off! They knew how to get the most money from the average consomer. If I ever needed a payment stopped, it cost me at least 25.00, and God forbid if I needed to dispute an item, because the merchant took thier good old time to credit, while I was being charged overdraft fees!
I just want to say CUDOS to PNC Bank!