I went into a PNC branch the other day to make a large, for me, cash withdrawal. 

They asked for my ID - OK I was prepared for that- and my Debit Card. Weird but I presented it.

Then I was informed that they didn't have a signature card on file for me. Did I open this account over the internet? No, I opened it about 40 years ago at a branch 1/2 a block away when it was XYZ local bank.It's merged several times since then.  A few years ago PNC confessed they didn't have a signature card on file so they gave me the paperwork and I filled out and submitted it. 

Now I'm supposed to call ahead and they will have signature card paperwork ready for me. Yeah, right. Not my problem that your records are bad. I can move my account if you want to make it my problem. I note they have no problem processing any checks I write or deposit.

I did get my money after about 10 minutes. Actually it was more like 30 minutes. I had another appointment and ran out of time to complete the other end of this transaction that morning.