PNC Financial Services Group
Reviews and Complaints

I am two months behind in my mortgage because of decrease in my income and because of a high increase in medical expense. I sent the paperwork to PNC and am waiting for an answer. I receive a knock at the door. It was a man who works with PNC or he is contracted out to take pictures of the homes in the pre-foreclosure process. I was told to call PNC. I told him that I have my documents in with PNC and am waiting for an answer on my forbearance.

He told me that PNC is backed up in paperwork and that there are people who have modifications done but are still having to deal with him because PNC has to catch up on everything. He said to expect to see him 4 to 5 times before PNC catches up on everything.

I sent emails to the White House, my local representative, Senate and House committees on Finance and Banking. It is said that were are trying to work out ways to save our home because of the economy or bad luck, but the banks gladly took our tax dollars when they were bailed out.

Once my loan is brought back current, I plan on getting rid of PNC. My old mortgage lender, National City Mortgage, handled my loan in a much better and faster way then PNC is doing.

With so much going on with these banks, I suspect a class action lawsuit is not too far off in the future.

I accidentally used my PNC debit card (rather than my VIST debit card) when checking into a hotel. The hotel cancelled the transaction (almost $500.)
However, after 1 full week of back and forth with the bank and the hotel, PNC is still holding that money as a 'pending' withdrawl and it is unavailable to me. The hotel has sent them one fax after another confirming the cancellation. The bill was paid in full with my VIST card.
They will not give me anyone who can help me. Their only response has been to wait it out and it 'should' come off the account soon. I will be overdrawn on the account then they will charge me those ridiculous fees! This is stealing! How can they get away with this? I am sending formal written complaints to anyone and everyone I can find. As of this writing, I still don't have my money back.
I will be looking for a new bank tomorrow. They are negligent, unprofessional and they steal from their customers! Buyer Beware!

PNC's Home Modification program is nothing short of a Nightmare. After losing my job, being diagnosed with fibromyalgia and having 2 kids in college PNC advised us to apply for a loan modification. At the time ALL of our payments were current and we were told we would have an answer within 3 months. After a year of paying our agreed upon reduced payment we were denied. Although we income qualified at the time of our application my husband now had a second job. The position is perdiem and not guaranteed income. Despite this fact PNC counted it against us. Furthermore they lost our paper work and required that we resend the same documents 4 times. They failed to communicate with us and told us several times they had everything and we were in final review. When we called the next week shockingly they were missing documents. Letters were sent to us weeks later and we were placed on hold for an hour each time we called. We asked them on several occasions if we were in jeopardy of losing our home and told NO. We feel that had PNC handled our application in a timely and professional manner we would NOT be in this situation. We are now in bankruptcy but signed a reaffirmation with PNC. Prior to this experience we had Excellent credit and could have refinanced at a much lower rate.

They are now seeking over 5000 from us the difference of our full payment and our reduced payment. In addition they have hired Steven Baum's office and are starting a foreclosure. We feel like the program is a TRAP. We paid monthly in good faith for the entire year. No where in the agreement did it say we were jeopardizing losing our home. Had they told us up front we would have NEVER gone through the process. We have three teen age daughters and six pets. Our youngest is in tenth grade and now in jeopardy of leaving the school she has attended since kindergarten. Our home was new construction in 2003 and our 2.5 acre wooded lot is now a park like setting. Our life's savings is in this home and PNC is aware that we have equity. We believe that is why they are trying to take our home. The entire process feels predatory in nature.

PNC's Home Loan Remodification program is nothing short of a Nightmare!

After losing my job, being diagnosed with fibromyalgia, and having 2 kids in college PNC advised us to apply for a loan modification. At the time, ALL of our payments were current, and we were told we would have an answer within 3 months. After a year of paying our agreed upon reduced payment, we were denied! Although we income qualified at the time of our application, my husband now had a second job. The position is perdiem and not guaranteed income. Despite this fact, PNC counted it against us. Furthermore, they lost our paper work, and required that resend the same documents 3-4 times. They failed to communicate with us, telling us several times they had everything and we were in final review. When we called the next week, shockingly, they were missing documents! Letters were sent to us weeks later, and we were placed on hold for an hour every time we called. We feel that had PNC handled our application in a professional manner, we would NOT be in this situation!

They are now seeking over $5000 from us- the difference of our full payment and our reduced payment. In addition, they have hired Steven Baum’s office and are starting a foreclosure! We feel like the program is a TRAP! We paid monthly, in good faith, for the entire year! No where in the agreement did it say we were jeopardizing losing our home! Had they told us up front, we would have NEVER gone through the process! We have three teen age daughters, and six pets! Our youngest is in tenth grade, and now in jeopardy of having to switch schools. Our home was new construction and our 2.5 acre wooded lot is now a park like setting! Our life's savings is in this home and PNC is aware that we have positive equity! We believe that is why they are trying to take our home!

*** We Recently Filed A Complaint With The NY State Banking Department! We’re Asking That More Consumers File Complaints With Their State Banking Department & Put A Stop To PNC's Unethical Predatory Lending Practices!***

My debit card was cloned. This means someone takes your numbers and makes a new card with thier name on it to use. It was used 4 time in one day and I caught it the very same day and called to cancel the card and report the fraud. They gave me a provisional credit on the 4 charges and told me they were mailing paperwork to fill out for my claim. 4 days later they took the money back and the next day I received a letter stating the charges were valid. To top it off, they charged me $7.50 to replace my "stolen" card. Ummmm...no. The charges aren't valid, and they have yet to explain to me how they validated them since 3 of the 4 were at the same gas station on the same day and guess what... I never pay for gas with my debit card because I have a company car that is ONLY gassed up with the company fleet card. It's been a week. I call every day while they "look into it". Meanwhile, I'm cashing out the 156, 000 points I have and switching to a credit union.

We refinanced our mortgage with PNC. Please do not do this if you are thinking about using this bank. The customer service is horrible. We started the refinancing process 2 months before our bank (formerly National City) changed over to PNC. We filled out the National City paperwork only to have to have to do the whole process over again on PNC papers. We were ready to close when Aryin (our mortgage rep.) called to inform us that we would need to take over $400 to the title company the next day because the loan was not written as she had explained. (We were assured that all closing costs were covered under the National City version and Aryin said that would be the case with the resubmitted paperwork.) Today, Aryin called to inform us that we need to submit an additional $68 because they did not have the correct homeowners insurance information. This information was submitted to them at their request. PNC either failed to request the appropriate paperwork or to review the information they were given.

PNC will not remove late charge ($29)after their billing dept. failed to send me, not one, but two billing statements, stating it was my fault. I have received all my other credit card bills, except for this one, maybe the mailman made a mistake, but two months in a row, I don't think so. I will cancel after they receive my payment. Bad business, equals no business.

This is very important information for all PNC Bank customers! Listen up...
I am recently a PNC Bank customer, of course right after National City became PNC a few months ago. Well on August 3, 2010 I checked my account online then to come realize that I had a balance of negative 2, 599.00 dollars on my account! I was totally chocked because 2 days before that I had only $11.00 in there and of course I would have never made out a check towards that amount. So right away I viewed the of the check scanned and it was a PNC check with a total fake signature that did not belong to me!... So I call the bank right away to have them check out my account and tell them that I never in my life authorized a check for that amount and that the check was totally fake, because I have never even received PNC checks at all since I still have National City checks in my possession. Not only that but this check had the wrong information with out the new PNC account...
After I get out of work I got to my PNC branch and make another dispute and show the printed copy of the processed check and tell them to solve the fraud going on my account. The banker told me that I will receive a letter in the mail that I will have to send back and that it will take 10 days from that day. So the next day I checked my account again and I see that the bank gave a credit for that fraudulent check so my account was not negative anymore... but wait a minute right above that I see another check posted for the same amount, $2, 599.00 dollars out of the account making it negative again! After this other one went threw and actually posted one more time and then again I only had $11.00 on my account! WOW... I called the bank one more time and went in there again that day, but again all they can do is wait for the investigation to go threw, but other than that I did not understand why PNC was still letting these people cash fake checks for so much money when the available funds were only as little as $11.00 dollars. Before anything else happened I asked the bank for an affidavit that the police station needed for me to go ahead and file a full complaint towards this situation. But the bank tells me that they can't give that paper because of their recent bank change and blah blah blah... So there I was waiting for something to be resolved, without no right for an affidavit to make a police report and exposing myself to more fraud. I could not believe that the bank will actually let this happen, but other than that let their employees get away with stuff like this, because I never lost my information... this had to be an action from one of the PNC bank employees or someone with great power working for this company.

Today is August 19, 2010 and I waited with much patience and finally yesterday I spoke to a person from the corporate office in the fraud department that told me that the person who is handling the investigation for my case is currently in vacation but that it was OK now for me to go and close the account and to get the affidavit from the very same branch where I asked the very first time if I can get it and never provided to me. So my total purpose for this is to have everyone be careful with all Banks or should I say PNC bank... This is a situation to be concerned about and to start realizing that there is people within the same bank trying to get away with serious things like making fake scanned checks and approving them. I am still going to the police and I will point out that they should investigate the very own bank and all the movements inside of it, because they might be the ones trying to steal from their very same customers.

I though Comerica was bad. PNC absolutely is worse than Comerica. Excessive fees, slow money transfer from accounts, poor customer service.

I honestly don't know how they got so big. They are terrible. I have never banked with a bank this bad.

I though Comerica was bad. PNC absolutely is worse than Comerica. Excessive fees, slow money transfer from accounts, poor customer service.

I honestly don't know how they got so big. They are terrible. I have never banked with a bank this bad.

I though Comerica was bad. PNC absolutely is worse than Comerica. Excessive fees, slow money transfer from accounts, poor customer service.

I honestly don't know how they got so big. They are terrible. I have never banked with a bank this bad.

The PNC "auto check re-order" system shows on-line that I have 47 checks remaining before the system will send me new checks. I currently have 15 checks remaining (verifying this using the cleared checks through the account with a wonderful service rep via phone and on line).

I said that clearly you can see that I do NOT have 47 checks remaining until re-order based on the sequence of cleared checks on-line versus the "ending sequence check number" of the previous order received!

The solution! I had to request them to turn OFF the auto reorder system, wait 3 days, and call back (through the wonderful automated phone system again), and have it turned back ON.

How's THAT for customer service!

This is only one example of the terrible customer service from PNC over the past 3 months. What a JOKE!

Our account was set up with a manager so that there was not a $500 cushion and if our account would fall below $0 the debits and checks were to not be paid. Before we did this we would get hit with fees as my husband would not always notify me of his transactions and would cause the account to be overdrafted --- so I had it stopped.

Now, my husband wrote out a check to someone for $500 without telling me. Well that person went directly to the institution to withdraw that money. The teller could see that the funds were not available and instead of telling the person the funds were not available the teller cashed it. In the meantime on that same day 18 transactions were scheduled to clear, and guess what all NSF'd causing over $600 in fees, when tried to clear it up not one person would assist us or agree that it was their fault and get it straightened out. So we handed them our debit cards and said close the account we will not do business with you. Well they left it open causing more fees and still not willing to work with us. I was willing to pay for the monies that they paid out on plus one over draft, totaling about $200 not the $1, 019 it ended up being. Now tried dealing with the collections, all they would do is cut the cost by 50%. I offered to pay $250, they said no. Well it was the banks error not mine, the funds were not there they should not have cashed the $500 check. Now I am working on filing complaints and a dispute with the BBB and ChexSystems. BIG Banks suck...will never do business with any big bank again. Community Banks are the way to go!
Does anyone know if there is any class action lawsuit against National City, which is now PNC. I see there are tons of complaints on here about both banks and these banks should be charged and pay for their poor business practices.

I received 2 checks from my grandparents. Both checks were from PNC bank. I went to the bank today to cash the checks which were written out to me. I had 2 forms of identification. I was told it would cost me $10 each to cash the checks from their own bank! $20.00 to cash my checks from my grandparents PNC accounts. Are you kidding me. They told me the only way to avoid the charges was to open an account. So I opened an account to avoid the $20 charge. Isn't this called EXTORTION?!

Pnc bank is awful. We have been miserably putting up with the switch from national city because we were out of state but enough is enough!

Thieves! We are getting our money out as soon as possible! Thieves and con artists! You are not what a bank is supposed to be pnc. Shame on you!

When they hold onto electronic deposits a full 24 hours after his company releases that money for pay, that's robbery! And then quadrupling a single nsf $36x4 for one overdraft, even though $7000 in electronic deposits is sitting in there since midnight the night before!?

I'm, complainting! Because; pnc bank will not allow me to speak to a repasentative about the block on my account. I entered the wrong number one to many times, and they put a block on so I can't get information on line or my phone to find out whats in my account. Or to make payments on-line. I needed to talk to some one to get this straitened out. But i'm unable to get through to anyone. I'm getting very upset with this situation. Sincerly yours ms. Donna m. Crouse

Reference: loan no. [protected]

Ladies/gentlemen:

In february 2010 you increased my mortgage payment $300.00, due to an escrow shortage that started
In 2007. I worked out payment arrangements at that time and agreed to pay more when I could to pay off this deficit. I systematically paid $211 over the minimum for 2 years and $95 +/- since jnuary 2010., only to find that the excess was, to my shock, being applied to principal reduction.

I have contacted your company many times and asked that these funds be properly applied to the escrow shortage but was told that would be impossible since it would change the disbursement in interest payments. So due to pnc's unacknoledeged accounting error, applying payment funds, I am in default because the rents received on this property is not enough to meet your new minimum payment. The original workout agreement was based on a 48 month payback and that has bewen shortened arbitarily by 8 months resulting in a payment I find difficult to meet. Due to unemployment, and recent illness I do not qualify for the federal workout program

I never noted my payments to apply these funds to principal, I did not realize I had to. I have been in the mortgage business since 1974, first servicing then mortgage production. It was common procatice to tell clients to purposely mark principal reductions due to usual misapplication of funds. What mortgage company in their right mind applies additional funds to principal when an escrow shortage exists. Unless that mortgage company is intentionally trying to create more foreclosures through increasing payments beyond the borrowers capability to pay. Especially when the home has good equity! Thieves! Snidley whiplash tying sweet nell to the railroad tracks! Is the vision that comes to mind.

The increased payment information was not received until april 2010, my payment of $1875 was sent in may 2010. I received a letter stating you could not apply the payment because prior arrangements had not been made. I tried to make arrangements and your customer service department has no interestin assisting or acknowledging any error on the distribution of prior payments. The proper application of these funds should have paid this account up in 36 months approximately.

In addition to these problems, your company tried to collect $4000/year for hazard insurance 2 year
Worth, even backdating a policy 1 year which is illeagle. My policy had lapsed and I did not receive notification, however when I found out the policy had been lapsed by 2 months you charged 4x the normal rate. I guess that should have been a good indication of how you do business and I should have paid closer attention to the application of my payments. Hopefully the federal trade commission can offer some solution to this problem, at least they are who we refer clients to if there is a problem creating the mortgage.

PNC, PNC, PNC where do I even begin. From day one it has been one problem after another. First, I set up an account online which for over a month I was not able to access my thousand dollar deposit for many reasons.

1)They lost my signature card in the mail.

2)I WENT, W E N T to one of their branches and personally signed one there, you would think that that would have freed up my funds right there, mind you this was 3 weeks after I started the account, NO! Three days later I called and they said they lost my signature card, so for a third time I signed the card and near the end of a month was finally able to access my funds.

Another issue with PNC, Check Deposits. I can understand a bank wanting to wait while a check clears, HOWEVER, when I deposit my employment check and they give me 100.00 to use for immediate withdrawal if I have to. However, say I need to pay the electric, water, etc., even though the funds are to be cleared in a day, I mysteriously found multiple overdraft fees stacked up for the things that were paid as my check waited for clearing. This is unprofessional how they run this side of their operations as if you see that a check is waiting to be posted then why should the customer be burdened with fees when time after time the checks show that they clear each time.

PNC is just another one of those banks that claim no hidden fees and I am not saying that this is a hidden fee, I am strictly saying that PNC only does business with people in ways that benefit them, they dont care about people, I did end up getting the fees removed, but the whole time the customer service rep kept referring me to get over draft protection. All in all the bank could be a great place to bank if they would change few ways things work but dont expect that any time soon as PNC was the PROUD recipient of an enormous bailout courteous of the tax payers of which they went and bought another bank with that money.

I work at a law firm where I process loan modification cases representing homeowners experiencing financial difficulties. Pnc bank has closed two (2) files I have been processing since october of 2009. Each file/homeowner were active in the hamp trial period plan. The plan(s) were accepted with first payment due on or before december 2009. Each homeowner had made all of their trial payments on time up until june of 2010 when pnc wrongfully closed each case. All documentation was submitted to pnc bank on numerous occassions, financials were constantly updated, always confirmed receipt of the documents, I was in direct negotiation with the processor assigned to each case within pnc bank and one day pnc bank closes each case! This is a direct violation of their contractual and other obligations undertaken and incurred in connection with hamp; pnc bank needs to be fined and reprimanded with the full legal capabilities. This is unacceptable and will be taken to the next step legally on my end. Each homeowner should have received a permanent loan modification on or about march of april of 2010, but pnc bank kept requesting updated income information even when these two different cases and homeowners both were and still currently are receiving fixed income. The banks need to be supervised, they can't keep treated the american people with disrespect and not have any consequences for it... Unbelieveable.

PNC is now playing a new game. I used to have home line of credit with National City bank wich call for prime minus 1.0 % . When the prime was 5% percent or higher. I am paying on time every time my loanfor the past 4 years. NOw National city is bought ny PNC. and PNC is not happy with the deal I had with National city. They keep harrassing me about changing the loan to higher interest rate. since my interest is only 2.75%. They claim that they don't offer this product anymore. They even threaten me that if I don't change the loan they might ask for the full loan to be paid in full as per the agreement with National city ( it was quoted that the bank has the right to do that but this is on basis on defualt). Shame Shame on PNC. With the tough economy I kept my loan up to date and never been late on my payement of my loan. Now they are greedy and want to be scew up their good customers for a higher interest rate. If they are going to do that to me, how about the average citizen who is struggling to pay his morgtage . If PNC continue to ask me for that I will take it to a higher authority and possibly to court.