I had a health savings account (HSA) at National City, when in the fall of 2009, as a result of the "merger" prompted by political favors to Pittsburgh (and a political slap to Cleveland) instead of bailing out National City, PNC was given billions and took over Nat City. The result was the loss of 100s of Cleveland jobs and thousands of pissed off Nat City customers. With my Nat City HSA, there was online customer service 24/7 and online bill pay, both of which are considered minimum banking services for major banks in the United States.

Starting in the fall of 2009 when PNC took over, their HSA (which, ironically is accessed by the absolutely incorrect website of "smart-hsa.com") has no online customer service (customer service may be reached only 9-5 Monday to Friday by calling an 800 # (after an average 30 minutes on hold). The account still has no online bill pay. Electronic transfers of money from my main account take 3-4 days. The account and the bank are a joke. Pony Express would be faster. Yet 18 months later in the spring of 2011, it appears that nothing has or will change with their services.

Went for HELOC loan. Am a doctor, hi FICO score, own home, no credit card debt, and am over 55 yrs old. They asked for a ridiculous amount of info beyond what is normal. Since they couldnt find any obvious reason for denial, they started to look at my practice. I am not self employed but own the building the practice in in. Building is being leased (over 20 years) and has equity. No overdue rent or taxes. In their great wisdom the loan officers at PNC decided that I could not afford to pay the mortgage on the building and the home equity loan from my salary - dahhhh, , , , that is why it is rented!!! Maybe if I made the money that a PNC executive makes it wouldnt be a problem!! It never occurred to these third grade bank idiots that all you need to do is sell the building or get another lessee!!! I feel as though they discriminated against me due to my age although I cannot prove it.

Soon after I applied for a refinance mortgage at PNC bank, the national office informed me that I am in a flood zone and must have flood insurance. I then provided proof from our local government department that our house is not in a flood zone.
Soon after that "RRamirez" of PNC sent a PNC memo to Edith Wrona saying that because I provided such proof, it was OK to not require flood insurance. Edith Wrona then forwarded that memo to my local PNC mortgage agent who then forwarded it to me.
But I continued to receive generic "You must have flood insurance" form letters from PNC.
So in late January I called the PNC mortgage customer service line, and the woman there confirmed that her computer said "Flood insurance *not* required" and she said that I should just ignore the automatically generated form letters demanding flood insurance.
I then had a $500 elevation survey done by a licensed surveyor to confirm that my house is 1.3 feet above the flood level.
For 5 weeks after January 25th, I emailed Edith Wrona asking for a PNC letter confirming the PNC email that flood insurance would not be required, but she never responded to any of my emails.
Our local PNC agent said that he did not know why the national office was not responding to any of my emails.
Finally, on February 24th, I called the national PNC and asked to speak to a supervisor.
PNC national mortgage supervisor Brandi Coyner returned my call and said "Since January 25th, we have repeatedly informed you that the January 25th email was a mistake, we have repeatedly told you that that decision has been reversed, we have repeatedly apologized to you for that mistake, and you are in a flood zone no matter what the Louisville government officials and the surveyor say."
I then told her that nobody had ever informed me of any such thing, since Edith Wrona had never contacted me after January 25th, and our local PNC agent had repeatedly said that he didn't know why the PNC national office was being silent for 5 weeks. And I informed her that I am a retired church pastor who will swear on the Bible that I am telling the truth about the matter.
PNC supervisor Brandi Coyne then *angrily* *yelled* into the telephone that she had the "proof" right there in front of her that I had been repeatedly informed that the January 25th email was a "mistake" that had been reversed.
I finally got so tired of her angrily yelling lies at me that I had to hang up on her.
I have now applied for a refinance mortgage at Republic Bank for half the closing costs demanded by PNC.
signed, Morris

I have banked with PNC/NC for at least 30 years. I carry an approx. 20K balance in checking and savings. I only have an ATM card - I have never liked debit cards. This year I am being charged an annual $10 for the ATM card, but if I switch to a debit card - no annual fee will be charged. Obviously they are "coercing" me to accept the more profitable(for them)debit card when all I want to do is get some cash from the ATM. I'm very angry.

Have a loan with pnc bank have made payments for 5 years straight forgot one it went 20 days late and they proceeded to call my place of employment threatening them and anyone who had something to do with me if i didn't pay it right away these people are nuts would never ever bank with them again. Called and asked for my work number to be removed from their call list and yet the very next day they proceeded to call again upwards of ten times in a 6 hour period. would never take a loan or put money in that bank again.