PNC by far the worst IMO.
When I was in college I had an account with them. Prior to leaving my college town I closed out the account. Rather than filing the paperwork, the rep "lost" my info. 4 months later I got a letter from a collection agency for over $250. $250 for $10/mo fee and $35 everytime it over drew my $0 balance account because it was closed out.
Turns out, after a few letters to PNC they said "oh oops, sorry" and contacted the college agency. Agency still wanted their money and reported on my credit report for years as a derogatory and I threatened to sue PNC a few times but had some legal bs about its my fault because I did not call back after I canceled the account to confirm it was canceled.
This is why I hold on to every paper I get
