PNC Bank

PNC Bank Review I would give them zero stars if I could based on their handling of a banking problem they fully caused. I made an online purchase via PayPal as I had many times in the past to protect myself using my debit card as the method of payment. (Please note: I have been a customer of PNC exclusively for 10 years) PNC flagged this as a possible fraudulent transaction and shut all transactions on my account down with my debit card. This caused 2 regular bills that were debited each month one for almost 4 years to bounce. Had someone in their fraud department looked they would have seen this. I do not have a voice and am disabled so I went to the bank and confirmed the transactions were valid and supposedly everything was taken care of. Nope, the cell phone bill got bounced again. I again went to the bank to clear this up and met with the same banker and told it was good to go. Well that did not happen and they did not turn my debit card back on shutting down our family's cell phone service. (Note: our only method of phoning someone or perhaps calling 911 if there was an emergency.) Now the cell provider due to my card being declined twice will no longer accept my method of payment. So now I go pay cash for the bill with an additional $19.00 in late and other fees and a reactivation charge of $20.00 per line equaling $40.00. This amounts to an almost 56% increase of my cell phone bill and now I need to go to a new bank and open an account to set up a new debit card that my cell provider will take. So I go to Regions Bank and open an account. (More on this later) When I spoke to the PNC employee about the additional charges her response was they (the cell provider) need to work with you on the extra fees you have been with them for 4 years! Ding Ding Ding!!!! They did not cause the problem, PNC did and I have been YOUR customer for 10 years but when presented with that the PNC employee had no response. So figuring the money is gone but what comes a few days later is a survey of how PNC did during my visits with a banker at their branch. Obviously my response was not positive and I got a call from the Branch Manager wanting to discuss this so I headed to the bank. She is not available as she is in Tampa for meetings that day but I met with Edward Gantz there relationship banker who explains to me he is on call to handle things when she is away. Great, he looks at the account and finds that over a week later the debit card STILL HAS NOT BEEN REACTIVATED but documents the issue and sends it off to corporate. This caused me to get an email from PNC corporate wanting to discuss this issue from Jermaine D., a Case Manager in Retail Support. I email Jermaine back and explain I am disabled and due to cancer I do not have a voice so an appointment is set to go Meet Edward at the local branch and discuss through him the issue for reimbursement since this is a PNC caused issue. So here's how it ended. I met with Edward we called Jermaine. Again I was asked for receipts. I explained to them I only had the one receipt that showed a $95.00 payment for a $76.00 bill they bounced and let them know I was not able to locate the $40.00 receipt for the reactivation of the cell service. Ed did offer to let me use his computer to set up an online account with my provider and see if we could get a copy of the $40.00 payment. No thanks I have 30 years in IT services and I'm not setting up any account on any computer but mine and one that I know what security is in place on that computer. But it is understood let's just work with the bill you have with the $19.00 in extra charges paid due to your PNC mistake. What was the answer after 5 visits to the branch, 30 minutes of driving there and home every time as well as the time I spent at the branch and emails back and forth. Sorry this receipt is not detailed enough for us. I can't do anything with it. I'm guessing there just is not enough intelligence or common sense to look at a $95.00 bill and my account history showing that this bill has been paid in the amount of $76.00 every month for 4 years! I was guessing they might have a calculator that could do that math but even without a calculator it's under 20 so they could have used their fingers and toes to do the math. At that point I just had to walk out of the bank and leave it was beyond me why they had me do all this. Now after being a loyal customer for 10 years and using PNC exclusively I needed to sign up with a bank for a different debit card for recurring bills and found Regions Bank. I also found they had several extra benefits like the ability to access my retirement check 2 days early if need be and special programs that provide an extra 1% annually on my savings over and above the standard rate most banks offer. Obviously my money wont be at this bank much longer. The moral of the story is, it's your money, make sure you know where it is and the competency of the organization you entrust to manage it.