I had an account with National City. When it changed to PNC my life became a living hell. Someone got my debit card or account number and began taking money from my account without my permission or knowledge. PNC Bank, while they were investigating the fraud, continued to charge me exhorbitant overdraft fees totaling almost $400. And they refused to close my account because the account was in a negative balance. The negative was because of THEIR overdraft charges that they would not reverse until the fraud investigation was complete. Vicious circle. And by leaving the account open, that invited even more fraud to occur, which it did. Eventually the case was closed and my account was closed and the overdraft fees refunded. During that time, however, I had many sleepless nights. I then had to open a new account. I did this online via chat with a PNC representative who talked me into a new Virtual Wallet product that contains 3 different accounts that link together. I was talked into something I don't need and don't use. I was told the PNC points I accumulated on the old closed account would transfer over to my new account and debit card. That did not happen. Now when I try to redeem the points I earned on my old account, I am told my new debit card isn't eligible for the PNC Points program. So I have lost over 3000 points that I earned. The customer service rep lied to me. Now... it gets better. Since I opened the new Virtual Wallet account(s) online via chat, they sent me a signature form for my account. I was confused about the form because it came with no instructions. So I called PNC and was told to just sign it and send it back. The gal didn't even know what I was talking about when I explained the form and form number to her. Today, over a month after sending the signature form back, I get a letter from PNC's Asst. Vice President Ricky N. Laughlin, saying they are unable to process my application (for the new accounts) as submitted due to being unable to validate information under the Patriot Act and I should go into a branch in person to clear this up. WTF? I've had accounts with them for over a year, have several open accounts with money in them and they are telling me my application cannot be processed? I will NOT be going into a branch. In fact, I will be closing my accounts and telling all of my friends to stay far far away from PNC.

Like several of the complainants on this site, I want to file a lawsuit against PNC Bank. Since I suspect there have to be a lot of angry PNC customers, I think a class action lawsuit would be preferable.

I am one of three people on a credit line with PNC, which is actually our 2nd mortgage on a TIC (tenants in common) home ownership. We currently have $60K in available credit, and PNC has been sending letters for more than a year now offering to buy back our credit at the rate of $100 per $10K.

This last Fall we were told by the City of SF that we owed about $24K in retroactive property taxes due to an error in the City's assessment after one of the units was sold in 2007. We decided to pay the retro amount--as well as our suddenly increased property tax due in Dec 2010--on the PNC credit line. Unfortunately, after paying approximately $24K by credit line checks, I received a letter from PNC stating that our credit line had been terminated due to a late payment in November 2010.

I actually did send the November payment to PNC a few days later than usual, but only because they never sent the payment invoice and envelope for that month. (They tend to do this a couple of times per year, in my experience.) I also explained in a note with the November payment that no invoice was received, and confirmed with one of the PNC reps that they received this note. This was the 1st time in more than 7 years that I was advised by PNC that our payment was late. And rather than just a few days late, PNC insisted it took some 15 days before they received the payment.

I spoke with several people at PNC over the phone after that, advising it was urgent because there would be an automatic penalty of at least $1200 on the property tax if they did not honor the payments. I was essentially told tough luck; it was my responsibility to pay on time whether they sent the payment invoice or not, and if I wanted to appeal their decision, I had to write them a letter--which meant they had no intention of even considering trying to avoid the 10% penalty. I faxed a letter the same day on my law office's letterhead, with a copy to PNC's legal department. I argued that, even if my payment in November was late, it was bad faith to terminate a contract for one late payment in 7 years. and I would sue them if for breach of contract if they did not reinstate the credit line.

To my surprise, PNC did write me a week later advising that the $60K credit line was reinstated, and--since they valued my business so much--I was free to use the entire amount. I then paid the property taxes again, this time with a 10% penalty and other costs, and debated whether to obtain an attorney to recover the late costs. ( This month's PNC invoice also included $60 in penalties for the returned property tax checks).

I then received notice 1/22/11 from the City of SF that the second property tax payments were not honored by PNC either. Therefore there is another $1400 or so in additional penaltie owed--plus of course the original $24K.

I am DEFINITELY interested in participating in a class action lawsuit against PNC Bank. If anyone reading this is aware of an existing lawsuit, I'd greatly appreciate receiving information on this. Although I'm an attorney myself, I practice workers' compensation, and know I'm not qualified to represent myself in a class action lawsuit, but I might be able to locate an appropriate attorney/law firm.

My e-mail address is: [email protected].

I finally got it- The banking system is such a scam---I had an issue this year with overdraft fees after being out of work for over 7 months. I was dealing with very bare minimum amounts of income so, the margin for error was very, very thin. Just this past week, I was informed that after depositing a check for $337.00 without any holds. My account balance was now up to $410.00 with the current available balance. So, later that "evening" I went to finish Christmas shopping and spent apprx $340, little did I know, but PNC has another number system that they go by. They informed me that those transactions were made by me using my card??? Which means its an instantaneous transaction...O...k, So I'm thinking as I was taught in school credits /(deposits) are adding to accounts and debits/(withdrawals) are taking out of accounts. Where in the world did this "pending" mess come from. I was charged 6 times @ $36 a pop because I was given some gibberish that my transactions were pending therefore, because they were not posted by the vendor, overdrafts occurred...huh? Then a week later, the same thing. 4 transactions with a balance of $318 more dollars, One item went over the balance causing an over draft? but I'm charged 36.00 per for all 4 transactions because of their pending process? WTF? No wonder they treat me sooo nice when I go into the lobby : ( Rip me off why don't you...I thought it was totally me---Credit Unions or under the mattress is sounding much more desirable...

On Black friday I decided to give on-line shopping a try. I was successful at 3am with Kohls and then moved on to WalMart at 5am to purchase a 50" TV. I was thrilled I got it and went immediately to checkout. As I was trying to use my debit card from PNC a security alert came on and they wouldn't let my transaction go thru. I then tried my husband's card to no avail. I then lost the TV! Finally I tried online chat with PNC and they wouldn't release any info unless I could tell them the exact amount of the purchase (which didn't go thru!). I WAS FURIOUS! At the time I had over $3000 in my accout and had only spent about $400 online that morning. My daily limit for my card is $2000. After I got no where with the chat line I called the 800 number and was again asked ridiculous questions! FINALLY they agreed to release the hold on my card but by that time I had lost the TV and the entire order I had placed for Bergners and Sears. All in all this "freeze" cost me $1500 if I were to now go and try to purchase these same items. I asked them if no one had told them about Black Friday?! They were rude and offered nothing to compensate for this debacle. They claimed they tried to call our home at 5am (who in the hell expects the bank to be calling at 5am? and NO they didn't really call!) I did get a message later in the day (after I made the complaint) and I'm sure this was just a c.y.a move. Did anyone else have anything like this happen? Any ideas on if I can go after the bank for causing this problem?!

I accidentally used my PNC debit card (rather than my VIST debit card) when checking into a hotel. The hotel cancelled the transaction (almost $500.)
However, after 1 full week of back and forth with the bank and the hotel, PNC is still holding that money as a 'pending' withdrawl and it is unavailable to me. The hotel has sent them one fax after another confirming the cancellation. The bill was paid in full with my VIST card.
They will not give me anyone who can help me. Their only response has been to wait it out and it 'should' come off the account soon. I will be overdrawn on the account then they will charge me those ridiculous fees! This is stealing!! How can they get away with this?? I am sending formal written complaints to anyone and everyone I can find. As of this writing, I still don't have my money back.
I will be looking for a new bank tomorrow. They are negligent, unprofessional and they steal from their customers! Buyer Beware!