Virtual Wallet Not So Virtual
¬¬¬¬¬¬PNC Bank cannot compete with the technology of other major banks or even some smaller credit unions. I have their Virtual Wallet account and the only “virtual” aspect of it is that you can SEE account details, you can hardly DO anything with the app and must CALL customer service for many things. I’m not writing any computer programs, but I consider myself moderately tech saavy. Once you call customer service the reps walk you through MANY steps. For example, I could not figure out how to permanently cancel automatic payments, so I had to cancel the payment every single month. One month I forgot to cancel for 2 accounts and had 2 overdraft fees for $36. I have a credit card with PNC bank. I do not receive online statements or any indication when the bill is due. I went to the app, saw that it was due that day and transferred the money from my checking account to the credit card account. (This is the only way I know to pay the bill besides writing a check and mailing it). I received a late fee for $25 and two days later the transaction is still PENDING. I called the bank they told me that payments must be made before 5 PM and that I must set up ALERTS to receive notifications that my statement/bill is ready. It took about 5 clicks just to set up the alert. On top of that the representative was very condescending and told me that receiving PAPER statements would be better for me. HA even if that’s true I don’t recall STOPPING them. I’ve been a customer for about 8 years I’m DONE.