HelloDali1982

1 Contributions 94 People Helped

Member Since: May 2014

Most Helpful Contribution

PNC Cash Rewards® Visa® Credit Card

Mar 19, 2019
A nightmare.
Helpful to 94 out of 101 people

Their system seems entirely antiquated. I won't even go into the application process (very similar to another review on this site). I never receiped my PIN so I couldn't log on to my account. I called customer service (typicaly hold time to talk to someone is around 15 mins, FYI) and was told it had been mailed. I explained I never received it. She said she'd mail another one. I asked if I could set one up over the phone and she said no. Had to wait 5-7 business days for PIN to arrive in mail. 

I waited and it finally came. Wen to create online account - PIN did not work. Called customer service again. Waited 15 mins to talk to someone... again. She explained that I was sent the wrong kind of PIN. Was sent a cash advance PIN. Absolutely no use to me. Was told I would be mailed another one. They said they could not issue it over the phone. 

So I wait another 5-7 business days. Receive new PIN. DOES NOT WORK. Called customer service AGAIN. Wait 10-15 mins to talk to a human AGAIN. Guess what! Was sent the wrong kind of PIN again! This time a "credit card PIN" (which is for use in foreign countries.) They are mailing me a new one. Must wait another 5-7 business days. Was told by customer service they would make a note of my complaint in my file.

So guess what happens today? I get a recorded call from collections saying I'm past due and owe a $27 late fee!  Infuriated, I call and explain everything to them - I have not been able to access my online account or view any transactions or due dates because of their screw up. Also, there was no note in my file from past conversations with customer service, like I was told their would be. Had to transfer me to someone else (another 5-10 minute wait.) So I explain to everything AGAIN to that person. They say "OK we will waive the late fee and I can give you the PIN over the phone." What???? Why couldn't I do that a month ago and avoid all of this nonsense? 

THIS CARD IS NOT RECOMMENDED.

Activity (1 Total Contributions)

PNC Cash Rewards® Visa® Credit Card

Mar 19, 2019
A nightmare.
Helpful to 94 out of 101 people

Their system seems entirely antiquated. I won't even go into the application process (very similar to another review on this site). I never receiped my PIN so I couldn't log on to my account. I called customer service (typicaly hold time to talk to someone is around 15 mins, FYI) and was told it had been mailed. I explained I never received it. She said she'd mail another one. I asked if I could set one up over the phone and she said no. Had to wait 5-7 business days for PIN to arrive in mail. 

I waited and it finally came. Wen to create online account - PIN did not work. Called customer service again. Waited 15 mins to talk to someone... again. She explained that I was sent the wrong kind of PIN. Was sent a cash advance PIN. Absolutely no use to me. Was told I would be mailed another one. They said they could not issue it over the phone. 

So I wait another 5-7 business days. Receive new PIN. DOES NOT WORK. Called customer service AGAIN. Wait 10-15 mins to talk to a human AGAIN. Guess what! Was sent the wrong kind of PIN again! This time a "credit card PIN" (which is for use in foreign countries.) They are mailing me a new one. Must wait another 5-7 business days. Was told by customer service they would make a note of my complaint in my file.

So guess what happens today? I get a recorded call from collections saying I'm past due and owe a $27 late fee!  Infuriated, I call and explain everything to them - I have not been able to access my online account or view any transactions or due dates because of their screw up. Also, there was no note in my file from past conversations with customer service, like I was told their would be. Had to transfer me to someone else (another 5-10 minute wait.) So I explain to everything AGAIN to that person. They say "OK we will waive the late fee and I can give you the PIN over the phone." What???? Why couldn't I do that a month ago and avoid all of this nonsense? 

THIS CARD IS NOT RECOMMENDED.