I had a HELOC account with PNC years ago. Out of the blue their collections department calls me claiming back charges are due for insurance on a house I haven't owned for nearly a decade.

I've followed their instructions multiple times, in writing, and they won't even respond, yet the collections notices keep coming... for a bill that should not even exist!

Mistakes happen, but the total refusal (or ineptitude) to respond appropriately is not OK. I'll never do business with PNC again.