PNC Merchant Services 2023: Reviews & Complaints
(888) 562-2300 Company Overview
PNC Merchant Services is the merchant services division of PNC Bank, headquartered in Pittsburgh, Pennsylvania. The company works with First Data (now Fiserv) to provide merchant accounts and Clover point-of-sale products. It is therefore not a direct processor.
PNC Merchant Services Point of Sale
PNC Merchant Services offers debit and credit card processing through point-of-sale products from Clover. These include the Clover Go mobile solution, the Clover Flex portable solution, the Clover Mini tablet, and the Clover Station terminal. The company also offers access to a payment gateway and virtual terminals.
Payment Processing
PNC Merchant Services offers a comprehensive range of payment processing solutions, allowing businesses to accept various forms of electronic payments such as credit cards, debit cards, and mobile wallets. This flexibility helps merchants accommodate their customers’ preferred payment methods.
Mobile Payments
Recognizing the growing demand for mobile payment options, PNC Merchant Services enables businesses to accept payments through smartphones and tablets. This feature allows merchants to process transactions on the go and provide their customers with a convenient payment experience.
Online Payment Gateways
PNC Merchant Services offers secure and reliable online payment gateways for e-commerce businesses. These gateways ensure smooth and secure transactions, giving customers confidence in the online shopping experience and helping merchants maintain their reputation.
Fraud Prevention
Security is a top priority for PNC Merchant Services, and they provide a variety of fraud prevention tools to protect businesses against fraudulent transactions. These tools include address verification, secure encryption, and advanced fraud detection systems to safeguard sensitive customer information.
Location & Leadership
PNC Bank is headquartered at 249 Fifth Avenue, One PNC Plaza, Pittsburgh, Pennsylvania 15222. William S. Demchak is CEO and President of PNC, Alexander Overstrom is the Head of Retail Banking, and Deanna Thomas is Account Executive at PNC Merchant Services.
Table of Contents
- Costs & Contract: Appears to offer a multi-year contract through First Data (Fiserv) that includes a liquidated damages early termination fee. The company relies on…
- Complaints & Service: Complaints number more than 30 on…
- BBB Rating: Better Business Bureau profile has been conflated with the larger PNC Financial Services Group and has an…
- Sales & Marketing: Does not appear to hire independently contracted agents but has received…
PNC Merchant Services Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | 30+ |
| Live Customer Support | Yes |
| Most Common Complaint | Undisclosed Fees |
| Recent Lawsuits | Yes |
Low Complaint Total
We are currently able to locate more than 30 negative PNC Merchant Services reviews, some of which outright accuse the company of being a ripoff or a scam. Common themes among PNC Merchant Services complaints include deceptive sales tactics, expensive cancellation costs, difficulty canceling the service, and undisclosed fees. PNC does not appear to have responded to any of these merchant complaints. While this is a relatively low overall complaint volume for the company’s size and time in business, the consistent reports of misrepresentation and high costs are troubling enough to lower the company’s grade to a “B” at this time. If you have your own PNC Merchant Services review to make, please do so in the comments below.
PNC Merchant Services Lawsuits and Fines
In October 2018, a class-action lawsuit filed against PNC Merchant Services alleges the company overbilled customers through “unanticipated and excessive fees,” as well as misrepresenting its annual fees on its standard form contract, which states such fees will only be charged “as needed.” The lawsuit seeks to cover all of PNC Merchant Services’ U.S. customers who were assessed an annual fee. This case is yet to reach a resolution.
Similarly, in October 2017, a group of clients filed a class-action lawsuit against PNC Merchant Services for overcharging business owners. The complaint is best summarized by the following excerpt:
For years, PNC Merchant Services Company, L.P. (“Defendant” or “Merchant Services”) and its affiliates have engaged in a scheme through which it overbills its customers. Indeed, once merchants are locked into long-term contracts, Defendant assesses unanticipated and excessive fees and deliberately obscures and hides the upcharges so that merchants cannot reasonably detect that they have been overbilled.
Much of the harm is initially attributable to deception by Defendant’s sales agents during the contracting process. These sales agents, with the full knowledge and encouragement of Defendant’s management, seek to enroll merchants by every trick in the book, including by failing to disclose fee practices they know will occur and outright lying about fine print contractual terms. Agents earn substantial commission income and bonuses by doing so.
Once merchants are enrolled, Defendant endeavors to cover up such frauds by blocking merchants from receiving itemized monthly statements. This practice has two effects: it obscures Defendant’s upcharges and blocks merchants from complaining.
Those “squeaky wheel” merchants that are vigilant enough to demand itemized monthly statements and discover Defendant’s scheme are typically unable to obtain any relief. Defendant instructs its sales agents and customer service department to refuse refunds in most cases. Merchants that refuse to accept the overbilling and seek to cancel are forced to pay excessive early termination penalties that often exceed amounts they would otherwise pay if they fulfilled the remaining months on their contract’s term. Merchants are thus put to a Hobson’s Choice – accept the overbilling or cancel and pay massive termination fees.
The case was settled in November 2021 for $14.5 million.
In May 2022, PNC Merchant Services was sued over allegedly not making their website accessible to the blind. This suit is ongoing.
PNC Merchant Services Customer Support Options
The PNC Merchant Services website appears to offer dedicated phone and email customer support lines, but it is unclear at this time whether these lines are serviced by PNC or First Data (Fiserv).
PNC Merchant Services Customer Service Number
- (888) 562-2300 – Toll-Free General Customer Service
Other Support Options
- Customer support form
This said, it is unlikely that the company’s service will rival that offered by top-rated providers for great customer service.
PNC Merchant Services boasts 24/7 customer support, though it is unclear who services it
PNC Merchant Services Online Ratings
Here's How They Rate Online
Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.
No Dedicated Profile
As of this review, PNC Bank at large has an “A+” rating with the Better Business Bureau. The complaints and review sections of this profile defer to the PNC Financial Services Group, Inc., the merchant account provider’s parent company. As such, these complaints and reviews do not accurately reflect the quality of the company’s merchant services.
No Rating Assigned
Given the BBB’s apparent confusion about how to classify PNC Merchant Services and the company’s uneven performance in the other categories of this review, we are currently excluding this section from the company’s overall rating. Business owners should note, however, that there are reasons to be skeptical of the BBB’s ratings.
PNC Merchant Services Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Cancellation Penalties | Yes |
| Monthly & Annual Fees | Yes |
| Processing Rates | Variable |
| Equipment Leasing | Yes |
Three-Year Contract
According to a sample merchant agreement and the company’s program guide, the standard PNC Merchant Services rates and contract involve a three-year agreement through First Data (Firserv) with a Liquidated Damages early termination fee (ETF) which can surpass the typical First Data (Fiserv) fee of $495, an application fee of $195, a programming fee of $90, a setup cost that may approach $345, a statement fee of $5, a monthly minimum fee of approximately $15-$20, an annual fee of an unknown amount, and a tiered pricing structure.
PNC Merchant Services has recently revised its pricing structure. The latest PNC Merchant Services rates are disclosed directly on its website. According to PNC Merchant services, swipe transactions are charged a rate of 2.60% plus $0.10 while keyed-in transactions a charged a rate of 3.45% plus $0.15. It is unknown whether the company charges PCI Compliance fees separately from its annual fees, but it appears that its setup cost, application fee, and programming fee can be lowered or waived. PNC also resells 48-month, non-cancellable equipment leases through First Data Global Leasing.
Virtual Terminal and Payment Gateway Pricing
According to the revised PNC Merchant Services pricing page, the company also relies on the First Data (Fiserv)-backed Payeezy payment gateway for its virtual terminal service. Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.
Industry-Average Pricing
While PNC Merchant Services fees and rate structure are essentially average for the industry, PNC’s early termination fee has the potential to be up to $900, which is well above industry averages. The company calculates this early termination fee by charging clients $25 for each month remaining in their contract. Therefore, the longer a client stays with PNC before canceling, the lower their early termination fee will be. Given the fact that PNC’s average contract is three years in length, a business would have to process through PNC for two years in order to be subject to an early termination fee close to the industry average. We view this type of ETF as excessive and have accordingly scored the company far lower than the cheapest merchant accounts. We also encourage businesses to check out our list of the providers of the best merchant accounts.
PNC Merchant Services offers POS solutions through Clover
PNC Merchant Services Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | No |
| Telemarketing | No |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
Built-In Marketing Channels
PNC appears to utilize traditional advertising and its existing network of clients to market its merchant services. There is no indication at this time that the company employs independent sales agents. We are currently able to locate more than a dozen negative PNC Merchant Services reviews that accuse the company’s sales representatives of deceptive or aggressive sales practices, including nondisclosure or misrepresentation of service length, termination fees, and rates. This does not compare favorably to our list of best credit card processors. If you believe that PNC Merchant Services rates have been misrepresented to you, we recommend seeking a third-party statement audit to find and eliminate hidden fees.
No Deceptive Rates
To its credit, the company does not appear to list any deceptive rate quotes in its official advertising materials. However, at least one merchant has recently complained that PNC did not properly honor its rebate on an equipment purchase. Business owners should therefore be sure to read the fine print of any promotional offers, such as the $500 reward for switching to PNC on the company’s homepage.
Our PNC Merchant Services Review Summary
Our Final Thoughts
PNC Merchant Services rates as an average credit card processing provider according to our rating system. The company’s contract terms through First Data (Fiserv) are costlier than industry averages, and it is showing some complaints with regard to its sales practices. The class-action lawsuits against the company also indicate that its reputation could take a major hit soon. For now, businesses are likely to obtain a better deal and more reliable service through a top-rated merchant account provider.
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How Did PNC Merchant Services Treat You?38 Responses
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Brennen Glass
PNC Merchant Services is a joke. When we set up our banking with PNC, we purchased a Clover POS system through them simultaneously, thus leveraging PNC Merchant Services. 2.5 years later, with millions in sales and zero chargebacks, they are terminating our account. The business bank account was terminated in February 2023 with no explanation, and now the merchant account with no explanation. The kicker is that because our Clover devices were set up with PNC, we can no longer use the Clover machines we own. We have to buy the EXACT same machines/models through our new processor. I highly recommend staying away from anyone who does business this way. No review, no phone call, one letter terminating account.
Amberlynne Ritchie
Does PNC not give back surcharges because it’s kind of funny how a lot of my friends have PNC as well and they get their surcharge feedback but I don’t
I used to then suddenly it stopped
Mouna Sylvie
PNC Merchant service is horrible. They sold the clover flex well knowing I have a new business. They rather sold things to me rather than helping me out. They gave me the wrong product and now I’m stuck with it and I have to pay $500 for an item I won’t never use. No one at PNC is actually trying to help. DO NOT OPEN YOUR ACCOUNT WITH PNC, IF YOU DID THEN CLOSE THAT ACCOUNT IMMEDIATELY .
Find other bank. Go to Chase they are professional and know how to help people.
X J
This merchant credit card machine service is costly for small business owners! I kept getting second notice of collections with an additional 100 dollars collection fee after PNC Bank decided to close out my account (yes they can do that with no reason). Interesting thing is I never received the monthly statement in letter before the collection letter, when I talked to the collection agent he told me they emailed to me instead which I also did not recieve. I was able to fight to waive the 100 dollars penalty fee the first time but for the second time it happened again the collection agent refused to waive it anymore. I was given no choice but to pay for the excessive amount due to the service that I no longer provided. and I was not the one to close the account to begin with. I find this whole thing ridiculous and I feel like it is a trap to charge you in every way possible. I highly recommand small business owners do some research on those credit card merchants and go through the contract carefully.
Susan Geller
impossible to speak to a person….ridiculous security questions when they verify your phone number…will change as soo as possible …worst service
This post will help: Best Payment Processors for Great Customer Service
-Phillip
Joe Iadonisi
For the most part, I’m satisfied with the service. My only complaint is that I was promised a $300 rebate for the equipment, but only received $100. I continually reached out to my sales rep who promised I would receive the other $200 credit, but I never did. The last email from him said the rebate was approved and I would receive it a few weeks. That was about 4 months ago and I’ve had the equipment for over a year now. I would like a resolution as soon as possible.
From The Editor
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Darren Watzman
What was the rebate for? What type of equipment? Did you ever receive it?
Steven M
WORST customer service EVER! They closed my merchant services account with out any justification or reason. Then they held thousands of my customers dollars for 180 days. After the 180 days they are refusing to release my funds. I’ve spoken to over a dozen reps in merchant services and risk/securities and every time they tell me the funds will be released within 2 business days. I still have not received my funds. Do NOT do merchant services with PNC, its a nightmare.
Priscilla Pope
I agree, I was happy with using pnc for small business merchant service. Things happened and I had to close my business after the first year. They held me accountable to paying $25 a month until the conclusion of 3 year contract had ened. I was paying for nothing, right. PNC cares nothing about you as a customer. All they kept saying was we had a 3 year contract, most places would have torn the contract up. That tells me they only care about the money not the customer. Never again will I use or reccommend PNC bank to anyone.
Mary Havens
I have been trying to cancel my account for 3 months. I was first told I was in a 3 year contract and would have early term fees (I was only in a year contract and well over it). I was then told I had to send a letter to cancel. I was given an email address to send the letter to. I have followed their directions several times but 3 months later fees are still being deducted. I attempted two more times today to send a cancellation letter just to have the email returned as “unsendable:invalid host”. I’m beyond angry.
Elizabeth Handy
Never, never use PNC merchant services. It did not work and I swiftly cancelled it. The Clover Device was defective and the customer service people did not know how to load the app on my phone after many hours. Also, their customer service people are rude and provide anything but customer service. Clover is still refusing to reimburse me for the Clover device and I’m fighting it.
I now use AffiniPay and they are terrific.
Jodi westfall
As a small business owner I was initially pleased to try PNC merchant services believing it would pay off and be better service. Service and product have proven to be extremely expensive and ineffective. Paying for a portable card reader that was consistently not working or difficult and the ongoing monthly service fee for a service that proved ineffective was unacceptable. Contract being non-negotiable was a frustration finding the PNC service not meeting their end of the deal.
Robert
I was with PNC Merchant Services for approximately 2 years. I was charged a $200 initialization fee. I processed approximately 100-200 credit card payments in that time and was charged an average of 13% of the total gross payment, which is about 10% higher than I was told. After I submitted my letter of termination they charged my account $50 dollars in fees for absolutely nothing. Then charged me $400 for an early termination on a contract I am still waiting to get a copy of. AVOID THIS SCAM. THEY DON’T CARE ABOUT YOU AT ALL. RIP OFF.
Kinga
I had a very similar situation.
The promised percentages were growing higher and higher every month to the point that it was ridiculous.
The PNC Merchant is the most misleading and dishonest company in US Amd the PNC Bank itself is awful as well.
I would love for enough abused customers to finally start a Class Action Suit so we can get all our stolen monies back.
Istvan Kiss
This service is not safe. DO NOT USE IT!!! The credit card company going to take your money back if it was fraud no matter what. Since you have signed the contract. I had fraud credit card charge after to weeks without any warning they get to my checking account and took the money.Since i have no idea it was fraud i have spend some of the money, but they took back everything. When i have contact them the only response i got is SORRY. Read the other review for more problems.
Ron Grecco
Do not even think about signing up with PNC Merchant Services. High fees, bad service and they will lock you in to a 3 year contract that you can’t cancel. I quit using them 2 years ago and I’m still paying $40/month for nothing. Stay away from PNC, there are so many better options.
Keith Field
We have NEVER actually begun using Merchant Services. But our aggressive sales rep pushed us into getting the whole thing set up (and signing a contract) so we’d be ready when our business was at the point we were going to start accepting credit card payments. We were under the impression the contract wasn’t in force until we actually activated the merchant services =- but they have been charging us close to $50 a month with all the fees. When we tried to stop it we were treated coldly by their people on the phone and the issue was never resolved. Now, we found someone finally who wants to help but he’s advised us to keep paying $15 a month or face more hefty fees. They’ve been basically stealing our money for a service we have never even used. . Very disappointing.
J Marshall
Signed up under the guise of no monthly minimums or monthly fees. A few months into the account we started getting charged a $19.95 monthly “security” fee. Called up several times to cancel it. It took 5 months. More recently, without fair warning, they instituted a $19.50 monthly minimum. I took me 3 months to figure out what was wrong and when I asked for a refund they refused, claiming that their contract states that they can institute new fees any time they want. Never sign a PNC Merchant Services Contract!
Kelley
People on the phone with customer service can be very nice and want to help (though I’ve also received unfriendly reps), but they can’t really do anything about the surprise hidden fees. Basically, it feels like “Surprise! We’re going to take money out of your checking account for random fees that may or may not help anyone actually using the service. And we’re going to do it without telling you until after the fact.”
Mindy Morrow
All business owner beware get away from PNC & First Data company! They’re lier and fee you to death! Absolutely the worst company I have ever deal with, Fee Fee & Fee even after I canceled from May 30 to now July 6th I still got fee for $104.
B
I am completely dissatisfied with PNC Merchant Services as well. My small business purchased 5 fd400 handheld terminals 2 yearS ago for $1,000 each. Now, come to find out, the technology has changed and they are not CHIP compatible. (What really bothers me about this; however, is that they have a card reader slot, so I feel that the company was aware of the technological change and is not owning up to that now). When I called to inquire about this, the rep apologized and told me they could send me replacement machines that are compatible. So, 2 days later, I received “replacement” machines that are the EXACT same machines that I already had and they are still NOT compatible. I called them yet again and a rep told me they could make it right and resend the right machines. Then they forwarded me to a sales rep that said they cannot send me new compatible machines. So, which is it? REALLY? I told them that what is the incentive for me to buy 5 new machines AGAIN when they knew the technology was going to change and didn’t care? It will probably change again. They blamed Visa and MC. Classy move there PNC Merchant Services.
kim nguyen
I feel & have learn that the way PNC Bank but MOST of all PNC merchant dept. want you as a new account out don’t care about keeping their customers. I have NEVER been so unhappy, disappointed & disgusted with a bank unti now with PNC Bank & merchant dept.
Seth DeBra
Not a good company to work with excessive fees and poor customer service.
Raised my rates excessively, then gave 30 days notice to change.
Charged me $125 after I canceled.
I would not recommend PnC merchant services to anyone who is looking for consistency
Rob Williams
Be sure to read the fine print of the 75 page contract. If you break the PNC Merchant Services contract before the term is up, businesses have to pay almost double the monthly fee of $15 for the remainder of the contract. The sales representative also represents First Data, which charges exorbitant monthly and lease rates, and again the lease agreement is nonrefundable for the length of the term. To get a lower lease and monthly rate, they sell 4 year terms which are not a good match for start ups.
J d
PNC Merchant Services has sneaky sales tactics, unexpected costs, have an attorney review your contract but better yet go somewhere else. Very poor follow up to concerns.
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Are you with PNC Merchant Services? Learn how to resolve this complaint.
Dawn
Absolutely the worst company I have ever dealt with….both PNC and First Data. Small businesses beware! They will fee you to death!! Do some serious research before you sign up with these guys. It would be more profitable to turn down a sale that requires a credit card for payment especially when associated with a PNC account. Both companies will tell you what you want to hear to make the sale. When you wake up to the reality of what they are charging you … good luck getting away from them because that will cost you an arm and a leg as well. .
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Are you with PNC? Learn how to resolve this complaint.
mk
joseph ferris from new jersey area, pnc merchant service representative , you wont be able to reach them when you need them
stay away… worst customer service …you will be spending days trying to get your problem resolved with their 1800 numbers and nothing done
Fadynawwar
Hi
This merchant service are ripof
Agreed on 1 year contract canceled after 2.5 years after their fees gone hight
They charged me $250 cancelation fees and they said there is no 1 year contract in file
Be ware from those agents
Shawn Hart
The PNC merchant account using First Data is TERRIBLE! The device that plugs into my iPhone doesn’t work with an otterbox and the connection on my iPad consistently gives me an error message. They are charging me $19.99 a month without even using the service and they said that the contract is 3 years, and the cancellation fee is $25 a month for the rest of the contact (what!?). I don’t remember any discussion of this monthly fee or cancellation fee AT ALL while signing up for this service, which was supposed to be significantly less in fees than anything else. I am sticking with Square. DON’T USE THIS PNC MERCHANT SERVICE!!!!!
Duane
PNC Merchant Services is a front for First Data. First Data is absolutely the worse company that I have ever dealt with in my 10 years in business. They are liars to you on the phone. If you have any changes in you business and they advise you on how to proceed, they will then lie and say they never received your letter or they will have no record of you calling them, etc. It goes on and on…You cannot cancel an account. I have a letter from PNC Merchant Services that charges against my business have been waived and the account is settled. Then I get a collection letter and endless calls from “PNC MERCHANT SERVICES”, but the phone number and location are that of FIRST DATA. Its an endless circle that just continues between the two business names. At times you really do not know who you are talking to. PNC and FIRST DATA are the SAME COMPANY. First Data is the biggest SCAMMER company in the world. DO NOT do business with these people. They have the power to change your contract and charge you for fees you never agreed with. AND after you pay them, they still NEVER GO AWAY…
Nate R
My company is extremely dissatisfied with PNC Merchant Services. We are unable to close the account with this service due to a 3 year contract. My company is charged many additional fees to the $17.00 per month, and each time we have to call to find out the reason for the fee. At the end of 2014 we were charged just over $100 labeled as a financial adjustment fee. When I spoke with a customer service agent and asked what it was for, the individual admitted that it was a new charge not on my original contract, but that there was a message about this new charge on an online statement. Since I have never had access to any online statements where I may have seen information concerning this new charge, I insisted this charge be reimbursed. They were able to reimburse the financial adjustment fee after some convincing, but we are going to continue to receive these fees at the end of the year, along with many more. I would not recommend PNC Merchant Services to anyone, and I do not believe that this PNC service acts ethically in charging additional fees outside of a contract. Especially because it is a 3 year contract! If they choose to add additional fees and charges to their services, contract holders in contract prior to the invention of new fees should be grandfathered in, or be exempt from new fees not on the original contract, until the original contract time is up.
Doug
This company has extremely high fees and does not operate fairly. They r constantly hitting us with fees. Adjustment fees. Claiming these are fees to fix wrong or incorrect charges or other fees. These are bullshit fees. Play fair. Be a strong honest and fair business. Come on. Yall are just like Obama. Lie lie lie
Erin
This company is horrible. I’ve had a personal bank account with PNC for several years, and recently opened a business account. The people at the bank are awesome and very helpful. Merchant Services, however, is a joke. Once I signed my contract my emails and phone calls were no longer returned. I simply want to know why a fee was deducted from my bank account, and I have not been contacted even though I have sent several emails to Dave McCullough, the asst. vice president. He emails me back but does not answer my question, or he will forward the email to another rep who also does not contact me. I am to the point where I am seeking legal action to end my contract due to the poor service.
Kelwin Warren
Please I need advice. I’m in the process of ending my account PNC mech. Services And I have to Pay termination fees. These fees where never explained to me when sign I up. I can’t Afford this. Do you have any advice on how to fight this. Please help. Thanks for your advice.
Sincerely,
Kelwin Warren
Mitchell Ballas
PNC misrepresented their new credit card machine’s technology in order to get rid of my ability to run pin debit cards as well as the input of security code and address info on keyed in transactions, putting me at risk for fraud and putting my transactions into a higher tier cost structure. I found all this out after about two weeks
of running credit cards with them, and switched to another company. My PNC agent asked what it would take
to make me happy and not bad mouth him, and I said to cancel the account and see to it that I wasn’t charged an early termination fee, which he said that he could do that, and we agreed to that. His boss talked him out of
that agreement(without my knowledge) and the next month they took $850 out of my account. No one at PNC
will acknowledge what their agent did, they just reiterate that I signed a contract and they will keep my money.
I now have knowledge of another merchant here in town that is having similar problems. Seems to be a pattern developing here. I’ve involved the Comptroller of the Currency and my Senator on this matter with PNC.
Kelwin Warren
Please I need advice. I’m in the process of ending my account PNC mech. Services And I have to Pay termination fees. These fees where never explained to me when sign I up. I can’t Afford this. Do you have any advice on how to fight this. Please help. Thanks for your advice.
Sincerely,
Kelwin Warren
Gail Galida
I spoke with a PNC Bank Personal and he told me briefly about the benefit of credit card processing for my clients. I asked about costs per month and what percentage is charged on transactions. The information given was vague and not everything was revealed. I now realize now that obviously they are salesmen working on commission.I did it completely wrong as I trusted PNC Bank being a customer for many years for business and personnel accounts. I was told to sign and that is what I did wrong. I never received a 10 page information guide and I did not know one existed. I still have not received one. The PNC Bank Personal told me he knew nothing about a 10 page booklet even though another person told me about it. The other person came via a phone call as I had made enquiries about canceling my credit card the day before with PNC Merchant. I was told to get out of my contract it was $25 a month which would be $825. I have only had one transaction go through.I was charged the $12 fee plus other fees of $5 plus now the next month I am charged $12 plus $2.90. I do not know what the extra $2.90 is for. My business is too small to have this credit card in operation. I was told to just keep paying the $12 fee each month and every now and then process a payment so that my account stays active. If I only pay the $12 fee a month the bank will close my account and charge an early termination fee. I am told my contract is 3 years. I would like to try and get out of this situation as my business is small and I do not have a huge balance. I operate a mobile dog grooming business. I highly recommend small business do your research and maybe not to consider offering credit cards as a means of payment for services.
Kelwin Warren
Please I need advice. I’m in the process of ending my account PNC mech. Services And I have to Pay termination fees. These fees where never explained to me when sign I up. I can’t Afford this. Do you have any advice on how to fight this. Please help. Thanks for your advice.
Sincerely,
Kelwin Warren