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!
On Wednesday November 27th, '13 at the PNC Champaign, IL Kirby/Mattis branch, I was deliberately scammed out of $475 by teller Brandon. I gave him bills to condense into $100's. He tried to call my $20 dollar bills $1 dollar bills and when I found out, he said it was a "mistake". I didn't even give him any $1 dollar bills. I got all of my money back, but I am letting everyone know to be aware of this scam by this teller. Bank manager Dave Henry is aware of the situation. Apparently Dave Henry thinks that is perfectly ok and believes it was a "mistake" and won't fire Brandon for that.
This bank is the MOST TERRIBLE bank I have ever had the misfortune of using. My mortgage loan was sold to them. I have no choice except to try to refinance. If you call to ask them a question, there are no less than 10 computer prompts. The computer refuses at least twice to let you speak to a person. After verifying all information with the computer, you are finally put on hold forever. THEN, when you get a human, your information does not transfer and the human (not a customer service representative--they don't understand customer service) asks you the same 4-5 "verification" questions again.
Finally, when you get to ask the question you called 30 minutes ago to ask, they don't have the information, but will order it for you and mail it to your house within 10 business days. The representatives only have the info you can see on the internet, so don't bother calling. They do not provide any more than 12 months' data online and they do not send paper statements.
If you send any paperwork in, it takes at least 3-4 weeks for them to process it. I had an insurance claim check they did not process for over 30 days.
They have branches, but will not talk with you about your mortgage account at the branches.
We used to be military and have bought and sold many homes and had mortgages with at least 6-7 different companies. PNC is the absolute WORST. If you have a choice--RUN AWAY. Do NOT deal with them.