![]() ![]() I didn't really mind because they were still reasonably quick with getting things like Apple Pay working and their app had the basic functions I needed. While everything worked well enough, it felt like their level of technological polish was that of a small local credit union and not of (I think at the time) the #9 largest bank. After some general Chase grouchiness about 5 or 6 years ago, I went to PNC (my employer had some program with them at the time where I'd get a nice bonus and get their best checking tier for free-I also have family members who have them and no complaints). I'm an ex-PNC customer for reasons similar to this. The bank basically behaves like it's me who is somehow a criminal and fraudster (?) trying to do something fraudulent, thus placing such a restriction even on my device (wtf?!)Īny interesting thoughts / ideas? I am not sure I am staying with PNC after such a hostility to a long-standing customer for no reason, but do you think it makes sense to reach out to their executive office with this story? I honestly find it insane - it looks like this bank can place restrictions on your profile for no reason and without even informing you about it (and don't even think about any apologies!) and then behave like you did something terrible to it. What surprises me even more is the way PNC handled this from the beginning - as I said before, I received no single security warning (like you would expect from other banks when they suspect someone is trying to gain an unauthorized access) and nowhere it says the app had any regional restrictions. ![]() ![]() Naturally I asked a question "Hey, I am going to Europe next week, will you yet again place me on a blacklist if I try opening the app there?!" which - as totally expected - remain unanswered. The last call with the escalation team "on a recorded line" ended with "we can't do anything, you will have to wait for 60 days for this record to fall off our blacklist - we will NOT remove it manually for you". At least once I have been told that the issue had been cleared by the supervisor only to find out a day later that my phone still does not work with some PNC app functionality. Not a big deal again - call again and clear the concern? Haha, well, not so fast with PNC.Īt this point I spent more than 2 hours talking with different people with PNC. Īpparently that single time I might've used the app "in a wrong way" raised such a huuuuge red flag for the bank, that it blacklisted my phone by its Device ID, and now I cannot use some of the app functions. She also asked me if I was trying to use my app abroad or on a corporate network which might have had a foreign IP address, and I told her that I was in Canada recently and also could have theoretically been on a corporate network as we have an office in Toronto. Then some time later I got a call from a Fraud Prevention specialist who questioned me about some recent activity on my account (some small ATM withdrawals / deposits, nothing major). I used it a few times, but then at some point it just stopped working - every time I would try it, I see something like "Service is unavailable at this time, please try again later" and the app would crash. Some time ago they introduced a "Card Free ATM access feature" on their app and I liked it very much. etc., so really nothing that should raise a red flag with them. Never used Zelle / never deposited/withdrawn large sums at once, never had a bad check written / deposited etc. I rarely use a debit card, but use online banking extensively (basically, almost all bills are paid electronically). Long story short - PNC is our main bank for the last 5 or so years (my wife and I both have accounts there and our salaries are deposited directly to our accounts). I heard of banks placing some fraud prevention "freezes" / restrictions on accounts, but this one was totally new and unexpected. Long time lurker, not a frequent poster, but this one I wanted to share with this community ) ![]()
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