Disappointed & Frustrated by Inconsistent and Systemic Failures at PNC…read more.. This week marked the final straw in what has been a long and consistently disappointing relationship with PNC Bank. It began when my (white) wife went into the branch to open a business account. She was unable to do so because the business banker wasn't available that day, so she scheduled an appointment for us to return the following day. Before leaving, however, she was able to withdraw $150 using only her passport, and the teller allowed her to complete the transaction through a "signature verification" no code, no secondary ID, no delay, no problem. Later that same day, I (black) pulled through the drive-through with my wife now in the backseat. I handed the teller both my PNC card and my ID and asked to withdraw $100 less than what she had withdrawn. I also kindly asked if they had any $2 bills, just to pass along to some kids in our community. Despite presenting more documentation than she had, the teller took an unusually long time. Eventually, a manager came over and said I would need to verify a code. I asked why especially when my wife, just minutes earlier, had withdrawn a larger amount without a code and with only her passport. Their reasoning at the time was unclear and inconsistent. The Appointment That Broke My Trust We returned the next day for our 2:30 PM business account appointment, only to be told there would be yet another delay because they had overbooked themselves. This has been a pattern with PNC, disorganization, excuses, and a disregard for customer experience. But what happened next made it worse. While we waited, staff finally explained the reasoning behind the drive-through incident the day before. That's when they told me something that floored me: that withdrawing multiple times from the same account in a short timeframe is considered suspicious and potentially fraudulent. That explanation was baffling. It's my account, I should be able to withdraw from it as often as I need to. That's the entire purpose of having a bank: access to your own money. To treat routine banking activity as inherently suspicious , especially when my wife was accommodated so easily and I was not is not only illogical, it's harmful and discriminatory. Discrimination isn't always loud. Sometimes it hides in delays, vague explanations, and rules applied selectively. It's in who gets "signature verification" and who gets questioned. It's in who is trusted and who is scrutinized. I refuse to normalize that. Shoddy Systems, Repeated Failures After that conversation, I was done. We withdrew every dollar from our account via cashier's check and took it to another bank. But even that process was obstructed. When the new bank called PNC to verify the funds, a different branch said they couldn't do in-branch verifications and referred us to the national customer service line. The national number couldn't verify But for a different reason: They can't do same-day verifications. Routine banking processes should not be this difficult. And this wasn't a one-off. Even when someone at PNC tried to assist, they pulled the wrong paperwork for our business account -- documents belonging to the prior owner of our business, simply because that person also banked at PNC. This has happened multiple times. That prior owner has even received notices about our account, despite not being listed on it at all. This is not just unprofessional -- it's unsafe, and it reflects deeply flawed internal systems. I shared my frustration directly and offered a recommendation: PNC staff need to complete Racial Equity Institute training. If you're going to serve the public, especially people of color, immigrants, and entrepreneurs from historically excluded communities you need to understand the difference between intent and impact. Good intentions don't prevent harm. Training and accountability do. Yes, there are good people working at PNC. But no amount of individual kindness can fix a broken system. As a client, I shouldn't have to depend on the right person being in the room just to be treated fairly. This experience and many before it revealed a pattern: poor internal communication, unclear procedures, racial bias in who gets accommodated, and systems that punish you for trying to access your own money. It's exhausting. It's unjust. And it's unacceptable.

Snotty employees making comments to each other about customers. I wouldn't use drive up at all if…read moretheir ATM dispensed tens.