Went to PNC because they handled Freddie MAC/Fannie Mae Mortgages -
OK - banking officer suggested I apply for a VISA card because new home - expenses - 12 mos. interest free - OK !! I set up - paid for some expenses - Busy - Set up Auto Pay for min. payment was going to pay off whole thing within 12 mos. - Found out even though I didn't receive any statements or notice - THAT THEY WERE CHARGING ME INTEREST ON A PURCHASE FROM THE 6TH MONTH - Upon Calling I got the Snotty Remark I should have read the very clear disclosure statement - I said I was sold the CARD - during the hectic moving process and was told it would be 12 mos. interest free - that I didn't feel I had to sit down and read a 20 page fine print contract if the Financial Rep at the bank said it would be 12 mos. interest free - (turns out 12 mos. interest free on a Transfer - 6 mos on purchase) - said having an MBA - from an Ivy League School - I could read the contract - but if I ask and am told it's 12 mos. interest free - and I'm approached during a busy time like moving - I would assume I could trust the Verbal Explanation - PNC CUSTOMER SERVICE REP. AND SUPERVISOR - said read the Disclosure - THIS BANK IS FOR THE BIRDS - I suggested the least they could do is offer some form of credit - and my intent to avoid paying 23 percent APR was clear that when I found out for the first time their interest I PAID THE WHOLE BALANCE OFF IMMEDIATELY -
No Dice - I JUST SAID FINE - I'M GOING TO WRITE MY ELECTED OFFICIALS AND POST ALL OVER ABOUT THEIR LITTLE SCAM - AND SNOTTY - BAD ATTITUDE - Probably - Just Told - This is the Line - You Give Customers if you want to Keep Your Job ! A pity but that's what seems to be common place business practice - you loose a couple of customers and you rope another 5 in!!! JUST DOING MY BIT TO KEEP PEOPLE FROM GETTING ROPED! CAVEAT EMPTOR!
This is probably the worst bank ever. I have had many accounts there over the years. Mortgage - took forever to close the account and provide a closed letter. Signature loan - again took forver to provide a closed account letter and then sent the letter recently for another account closing. Branch is incompetent and do not follow up with requests made. Right now i have a loan that cannot go to underwriting because i am waiting for a closed letter for a small overdraft account.
Called the branch because they were supposed to fax me the letter the moment the account closed. Account was closed last week and they "forgot" to stay on top of this. It will take another day to get the letter faxed to the branch (because of course their back office won't fax the letter to me directly) and then i have to count on the branch actually faxing like they promised. As soon as this is complete; i will take my business elsewhere.
I had my account with PNC for 3 years in college (Northern NJ) and loved it. Very convenient, very responsive, reasonable charges for someone just learning how to manage their own finances.
Then two years ago I moved away from the mid-Atlantic region into New England where there are not any PNC branches (still minimal issues) until I lost my debit card. I had not changed my address, so the new card replacement timeline was around two weeks. Two weeks with only checks to access my account. The customer service team was "unable" to help, and informed me that I would be suspended from using the online banking service until I received my new card. I then had issues receiving my new card. They charged me again the lost card fee and told me that I had given them the wrong address. False, the customer service rep repeated my address word for word, but somehow lost the number for my apartment when recording my address. I ended up opening an account with an online banking franchise, confirmed my identity, and received my new debit card before I ever got my PNC bank card. After two months and numerous calls to customer service, I finally received my new debit card. WAY more hassle than it was worth.