PNC Financial Services Group
Reviews and Complaints

In 2003 I transition from the united states army and for got about my allotment in the amount of 268$ going to my account I followed the instructions that were given to me by customer service and the end I was told that I was charged 10 thousand dollars for something that I have not gotten a recipe, , your bank can not charge me with out rendering a service that is stealing

I currently have an account with pnc, so when we decided to open another joint account, we went back to pnc. He has wells fargo, I closed my well fargo last year. Been with pnc about 5 years - never a problem.

However, we walked into the lehighton branch on or about december 6th to open a new account. We stood there for 30 minutes while both managers (If thats what they are) were on the phone. No one even acknowledged our presence. Finally when one person got off the phone, we said "we would like to open a new account" - and it was 10 am. She said, oh I cant help you for several hours, woud you like to come back later, I have an appointment that is late and will be here at 10:30. Really, a customer standing in front of you, is turned down! I said isnt the customer in front of you the most important? She was arrogant and nasty and not doing pnc bank any good. I will be closing my account because of her, unless she is fired.

We went across the street to key bank, who were quite happy to take our business!

On 09/17/2016 I went to the branch in Aquia Towne Center. The branch was set to open at 9:00am. I got there close to 10:00am. The lights were on. I walked up and the door was locked but I slipped and fell on my way back to my car due to the ice on their sidewalk. No where was it salted like the other establishments in the area. When I tried to call the number there was nothing stating that the bank was closed. Considering a bank down the road was open for business you would think PNC Bank would be open too. Apparently not. When I went to another location - inside a Giant and explained what happened there was no empathy. Just stating that "The branches may just be closed due to the weather" but no notice to customers - even via automated message.

I have been trying to work with PNC Mortgage since early October of this year to have my October Mtg Payment be deferred to the end of the loan. I am totally unsatisfied with my results of spending hours on the phone with no satisfaction. I was transferred to numerous people and a few different departments. My only recourse was to go through their collection department. I am a senior on social security. I have had my mortgage with PNC Mtg. since 2006 and have never had a late payment. They said they are unable to defer my payment and after being on the phone for over an hour again today was told that I could qualify for two higher payments of 642.00 a month to catch up. That is 417.00 plus two payment including late payments to bring my acct current. I told them this would be a hardship on me. I also told them in October of this year the reason I needed to defer my payment was so I could fly round trip from Cleveland to Florida to visit my 71 year old brother who has stage 4 cancer. My complaint is that PNC has no compassion and told me I risk foreclosure if I did not agree to their plan. I also asked if I could make my regular payments plus a small amount of about $25.00 per month until I catch up and the downright refused. Can someone help me? My townhouse is in Montgomery, AL and is a rental. I have property maintenance completed every month out of my expenses. I live in Cleveland, OH

11/22/2016 11:30 AM New Zealand Time

I was in a foreign country and I needed cash. My CC company needed to route to my banking account to transfer money. I called PNC to get my personal account details. As such, the "Lovely lady" whom I had the "Pleasure" of working with 1) Could not keep track of my SSN, and I had to give it to her twice. Now I am concerned she wrote it down and due to PNC having incompetent employees, my ID will be stolen. to resolve this, I want ID monitoring for 1 year, free. 2) She did not believe who I was, even though I gave her all my details, twice. She questioned weather I could answer questions on my own, since the account I was calling about was a joint account. 3) I called to get my Account number and routing number, and I made this clear, she seemed to understand at first, but then after stealing my identity, she told me she could not move forward with out me telling her my account number. I feel like she was faking her employment at PNC just to steal my money. Now I was in a foreign country, having to worry is some broad in America was taking all my money without my knowledge until I returned to the States to confirm she didn't (yet).

I used to brag about your bank. I am opening a business in the spring and I had no doubts about working with you as a small business, but now I have my doubts and will most likely take my business else ware due to this experience. If this had happened State side, it would not be such a big deal, but since I was stranded overseas without cash, and it felt like PNC gave me the finger over the phone, I question your motives- Do I really want my business stranded like I was? No. Nobody does. Nobody should have to feel like that with their own money.

Luckily PNC only locked me out of 1 of my accounts, so I was able to log in online and get my other banking account information to get by.

Your resolution- Free credit/ID monitoring for my accounts/ myself for 1 year, to ensure your employee does not steal my money or identity.

Thanks for taking the time to read about the most horrible experience I have ever had with PNC in the past 25 years.

Nov 2016 - I wish I had looked first at the online reviews. Maybe I would have suspected that after we’d passed the first "30-45 day” close mark, and two other dates, that the process would be the nightmare described by others. The documentation re-requested by their underwriter was uncalled for (like transcript of 60 days past PayPal transactions, a note from my mother, etc) I questioned the PayPal request due to email addresses and private information displayed from small gift monies to family and friends. (Like, what if I bought adult toys?)

PNC wouldn't accept electronic signature on documents they emailed, but neglected to tell me until weeks later. When signed a second time in "wet-ink", the documents were rejected again and sent back for my initials (next to my existing signatures) Ridiculous.

My credit score is always around 780. I make good money, and more interesting, PNC holds my checking account. It's why I thought I could trust them with a mortgage loan.

So... now my elderly parents are packed to move, and PNC home-close failed a third time. PNC also required me to get home insurance on a home I still don't own. On top of that, I paid another month of furniture storage with the moving company waiting to drive it out-of-state, reschedule cleaning crews, construction, and new appliance deliveries etc (over $3000 extra expense). My elderly parents are sleeping on airbeds in an empty house, they’re stressed, and mom caught pneumonia last week. She recovered, thankfully.

At this point, wondering if I was just having bad luck, I read the reviews and found many other hapless PNC customers. I shuddered to see that the close date in their complaints was pushed out for three or more months. I decided that night to go with another bank and start all over again, knowing that at least there would be an end to it all in 30 -45 days. PNC responded with a flurry of activity, and a promise that we would close in another week.

So here we are, two weeks later, at a fourth attempt "ready to close" and they forget to send the loan package to the attorney for sign-off. I'm a week out from having to pay more exorbitant fees for the delay. Stay away from PNC.

Event was oversold and understaffed. Paid for VIP parking, but VIP lots full, had to park anywhere I could. Traffic into the venue was chaotic Ticket said 7:00 start, but Cheap Trick began playing at 6:45 and gates didn't open till 6:30. There was a 45 minute wait at the gate. Thank God we had tickets for a seat. The lawn seats were completely oversold and people were out on the concourses watching because the lawn was so full. Way to many people for the venue- Safety hazard. Not enough staff overall. Plus the sound system/audio mix was horrible. Muffled loud bass and drums drowned out guitars and vocals. Live Nation/PNC Arts center should be ashamed of themselves.

William S. Demchak
PNC Merchant Services
Two PNC Plaza
620 Liberty Avenue
Pittsburgh, Pennsylvania [protected]

Dear Mr. Demchak,

I am writing a letter addressed to you because I have not had successful conversations with Wendy Hampton and her boss Elaine. A week ago today I asked Elaine to transfer me to her boss and she said that was you and that you do not speak to customers. I told her that if your job is the President and CEO of PNC you would want to hear from disgruntled customers who are unsatisfied with PNC but she disagreed and would not transfer me. Therefore, I am writing to you with a copy to Wendy Hampton and her supervisor and Elaine.

I own a small business in Anonymous, NJ. As a small business owner I pale in comparison to your salary in 2014 which I can imagine is even more now: $10, 687, 278 in total compensation. Of this total $1, 089, 615 was received as a salary, $3, 540, 000 was received as a bonus, $0 was received in stock options, $5, 999, 978 was awarded as stock and $57, 685 came from other types of compensation.

If I made the tiniest fraction of your salary this letter would be a non-issue for me, I would pay the contract cancellation fee like swatting a mosquito, but that is not my case. To provide shelter, food, and pay the interest on my debt, I live hand to mouth, barely. As a small business owner with very limited income, you can imagine every penny counts for me. I initially signed up for PNC Banking in approximately 2011 after one of your local representatives was promoting free checking accounts with NO FEES! As a former Bank of America customer I was so happy that was a possibility so I signed up right away to avoid checking fees!

Unfortunately approximately 1-2 years after I signed up I got a call from my branch manager Karen in Anonymous, NJ. She called a personal meeting with me to discuss PNC’s new fee structure that would charge me a $12 service fee if my earnings dipped below $1500. Unfortunately, since I am a small business owner with small earnings, I was charged this fee almost monthly. The alternative was to rent a credit card machine for $75 which was not feasible either due to my limited income and high overhead expenses.

In my small business clients would often forget their checkbooks and barely ever carry cash. As an alternative to IOU’s I started using the Square device that I was able to purchase in Staples for $9.99. This small, pocket size device charges a 2.75% fee with every swipe which was worth it because I was able to take immediate payments. The device is pocket size, does not have to be charged and no regular monthly fee. If you don’t use it, you don’t get charged. No contract obligation. Great idea right! Yes, it was working for me until I started seeing ACH charges all over my PNC statements. ACH charge for direct deposits, for credit card fees, on-line banking….between the ACH charges and the under the minimum balance fee I was hemorrhaging money to PNC banking fees which was creating more financial hardship! I had heard from another customer that in addition to a rented credit card machine from PNC they now have their own credit card swiper. I was curious and went on line to look up my options. I went to this website: https://www.merchantselfboarding.com/ngss/shoppingCart. On this page you see three options all disclosing a 36 month lease. I was not interested in a 36 month lease as I do not even know if I will be in business in three years. I am hoping to move to Orlando, Florida and dissolve my business within the next year. So I continued to click on see your other options to get to this page to see if there was an option without a lease: https://www.merchantselfboarding.com/ngss/selectBundle. On this page you see the Clover Go option. It shows that it has a monthly fee of $15.00. That was perfect for me since I am already paying more than $15.00 in fees. I thought this could be a better option to “bundle” fees versus many ACH fees. It shows a transaction rate fee of 1.80% which is better than square. (Even though it is double dipping with fees + monthly charge but I was still okay with that).

You click select and continue and input all of your data. Never did I read or see anything about a three year contract. That is not true with the other options, the 36 month requirement is very obvious. Not with Clover Go. This is the ONLY reason I chose to move forward. If I had any idea whatsoever that there was a three year contract I would have stopped the process and not moved forward. Please be clear about that. In fact, I want to reiterate that point very clearly and state, “If I knew there was a 3 year contract obligation not only would I not move forward but why would I be spending this entire month arguing on phone calls and writing letters to your company?” I have spent many hours talking to your customer service, speaking with Karen, Wendy Hampton and Elaine from Merchant Services explaining this point. There was no information about a 3 year contract in the application process!

Once I received the device I realized it is bulky and needs a charge. Not only that but I was having trouble getting wireless service to connect to it. Therefore I decided to stop the service. I called customer service who at that time kept asking me for a merchant ID. I had no idea what they were talking about so that did not go far. I went on-line and contacted Clover Support to tell them I wanted to cancel the program. They asked I call them and told me over the phone it is canceled and I do not need to return the device.

On May 3rd I looked at my PNC Mobile checking account and saw a merchant service debit of $120.93. I e-mailed [protected]@clover.com and asked why I was being charged for merchant services $120.93 when my account was canceled. (That is the only e-mail account I had for the Cover Go). Then I called PNC back and again they asked for a merchant number and I had no idea except the one Clover gave me and PNC did not recognize the number. A customer service agent asked for more information and pulled up my merchant ID. PNC pulled up Merchant ID: [protected]. Clover Support (which I got many e-mails from clover.com), gave me a Merchant ID: [protected]. (This was a whose on first conversation that took at least 30-45 minutes). The first agent said I needed to fax a termination letter stating I want to cancel my merchant fee charge with my merchant ID, company name and reason for canceling. Great I did that on May 3rd immediately following the phone call. She told me to hold for another representative who was not as friendly. This 2nd representative told me, “you cannot cancel, you have a 3 year contract.” This was the FIRST I HAD HEAR OF THIS! Obviously I was shocked and surprised and said “that was never clear on the application and this is the first I have heard of this.” She said, “If you cancel we will charge you $25 a month for 3 years or take the full amount up front.” I almost died of a heart attack. I repeated that I never heard of this contract, nor did I agree to a contract or see anything on the website about a contract for the Cover Go. I thought maybe she was referring to the 36 month lease and she thought I had the wrong product. I reiterated I did not have the terminal with a leasing contract. This was a device I purchased for $99 with a $15.00 service fee and 18. % service charge – that’s it! I also asked why on earth if the fee is $15.00 a month why the penalty would be almost double to cancel. This is full blown extortion! “If you cancel we will really make you pay as punishment!”

Infuriated, I went to the branch to discuss the case with my branch manager Karen . Karen agreed the Clover Go does not have obvious information about a 3 year contract. She told me I do not have to return the device and it is non-refundable and I should send an e-mail to [protected]@firstdata.com. I sent the e-mail but as is typical with PNC business, it was returned saying undeliverable. I then went on the website to copy and paste the e-mail and I faxed in the letter. Apparently Wendy Hampton was flagged and she called me on May 11, 2016 and left a voice mail. We played telephone tag until we could set up a phone appointment for Friday May 20th. I also faxed her a copy of my Agreement Approval and Authorizations that says nothing about a 3 year contract. Wendy and I were on the phone call for 45 minutes that day to no avail. She kept repeating herself that I signed a contract and I kept agreeing yes, but it never said anything about a 3 year obligation. When I asked about why the penalty is almost double the monthly fee she said PNC expects revenue and they need to recoup revenue lost. (FROM A BUSINESS OWNER THAT EARNED 36K GROSS IN 2015)? SERIOUSLY? Wendy also kept referring to e-mails saying, the contract information is in the e-mails from Global Self Boarding. I told her at least 10+ times I have no such e-mails. She said they must have gone to spam because I verified my e-mail address. I said, “How can I be responsible for e-mails I did not even know existed?” She asked if I read all of my spam and I said, “No does anyone? That’s why it is spam!” After this exhausting and pointless conversation with Wendy I asked to speak to her supervisor for some resolution. She transferred me to Elaine (no last name).

As I said to Wendy Hampton and her boss Elaine many times, “not only would I go to these lengths to cancel a contract if I knew I had a legally binding contract but why would an intelligent person choose to pay $25.00 a month to cancel versus $15.00 a month just to keep the thing.” My point is I don’t want it at all so I don’t want to pay a dime (other than the 120.93 you already charged me), and my argument is that I never saw anything about a 3 year obligation. Not only is the fee doubled as a threat for a consumer not to quit, but the language about a 3 year obligation is hidden in a separate 36 page document on the 2nd to last paragraph of the entire program guide and therefore in my opinion consumer fraud meant to trick or deceive the consumer.

I asked Elaine to get her ducks in a row and call me on Monday, May 23rd since she was fumbling for proof of e-mails, contracts, etc. That Monday she called me with the exact same story only to say, your email contains a verification code. I never denied that. What I am denying is there is no data about a three year contract. We ended the call by me asking her to send me proof of this binding contract.

Here is the best part of this insane monthly debacle I have been dealing with. Yesterday in my mailbox I get an application that I completed on-line (never denied with no language about a 3 year contract) with a 36 page Merchant Processing Agreement Program Guide enclosed in the envelope (not on the application that was electronically signed). (I NEVER SAW THIS DOCUMENT BEFORE IN MY LIFE). The application I completed (Merchant Processing Application and Agreement page 1-3) does not say anything about a 3 year contract. However, in the agreement approval paragraph (fine print) it says, client acknowledges having received and read a copy of the interchange schedule for card processing services, program guide, etc.……

Here is the problem. 1) This is fine print buried in over 1, 000 legal words which is not consumer friendly or lay person language and 2) the program guide they are referring to, that I just saw the first time yesterday, is not attached, nor is there a link to review the document. If I had read that fine print line I would have looked for a program guide but still assuming it was for the $15.00 month and the 1.8% fee certainly not a 3 YEAR contract because that is never announced throughout the entire process. How can you be held responsible for something you do not know exists? You are seriously asking customers to sign up for a product that clearly says $15.00 per month and 1.8% service fee ALL OVER THE INTERNET but YOU HAVE TO READ about a 3 year obligation in a 36 page program guide that is NOT ATTACHED TO THE APPLICATION ON THE LAST PAGE 36 OF THE DOCUMENT? SEROUSLY?

Today I read this lengthy 36 page program guide. (Again, first time I have ever seen it). Imagine how boring it was as I am not an attorney but I guess you expect all of your consumers to read this document cover to cover (even though it’s not attached to the application). The contract obligation Wendy and Elaine keep referring to is on the very last page (so if you don’t fall asleep 14 x before you get there, on page 36 A.3. Additional Fees and Early Termination it is noted on the 2nd to last paragraph of the entire document.

However, half way through the document, on page 12 (24 PAGES EARLIER IN THE DOCMENT) Item number 16.2. “The initial term of this agreement shall commence and shall continue in force for three years after it becomes effective. Thereafter, it shall continue UNTIL EITHER PARTY TERMINATES THIS AGREEMENT UPON WRITTEN NOTICE. IF YOU FAIL TO NOTIFY US IN WRITING (I gave you notice in writing on 5/3/16) OF YOUR REQUEST TO TERMINATE YOU ACKNOWLEDGE AND AGREE YOU WILL CONTINUE TO BE CHARGED FEES PURSUANT TO THIS AGREEMENT.

IF YOU HAVE AN EQUIPMENT LEASE TERMINATEION OF THIS AGREEMENT DOES NOT TERMINATE THAT EQUIPENT LEASE (which I do not).

NOTHING ABOUT A PENATLY FOR CANCELLATION. YOU HAVE TO KEEP READING TO PAGE 36 TO FIND THAT OUT. (DECEIT AND FRAUD + EXTORTION)!

16.3 PNC may terminate the agreement at any time and for any reason by providing 30 days advance notice or shorter upon default. (OK LETS DO THAT)!

16.4.3 Event of default refers to a sale of all or a substantial portion of your assets. (Which will be the case if I move to Florida).

THE BIGGEST ISSUE IS THAT NONE OF THIS TALKS ABOUT A PENALTY OF $25.00 A MONTH NOR DOES IT SAY REFER TO….. IT ONLY SUGGEST THE CLIENT SEND NOTICE IN WRITING. YOU HAVE TO READ 25 MORE PAGES TO SEE THE TERMINATION FEE!
As I told Wendy and Elaine, when you sign up for a cell phone the dealer and every contract you sign clearly states there is a contract obligation and if you cancel the fee is $300. There is not a consumer in the land that can tell you the cell phone companies do make it very obvious about a contract obligation with the purchase of a discounted phone and even then the contract cancellation fee is reasonable, not extortion!

THIS IS CONSUMER FRAUD! What about your corporate responsibility?

https://www.pnc.com/en/about-pnc/corporate-responsibility/...
Corporate Responsibility. In our 2015 Corporate Social Responsibility (CSR) report, you will read about who we are and what it means to be a Main Street bank. On the PNC Website under Responsibility and Continuity: It is written, “This report which covers the period of January 1, 2015 to December 31, 2015 (THIS NEEDS TO BE UPDATED OBVIOUSLY SINCE WE ARE FIVE MONTHS INTO 2016) is intended to provide CLARITY (WHERE IS THE CLARITY) on what sets PNC apart from its competitors. We approach risk management and we organize our business around our customers and the communities we serve. (THIS IS NOT TRUE – HENCE MY GRIEVANCE)!
The bottom line is this: if I have to call 8 On Your Side News Reporting and interview with a journalist to plead my case, if I have to contact the Bureau of Consumer Protection I will do that. I am disgruntled and feel betrayed by your banking services and Wendy and Elaine are useless and wasted by time. When I asked for a resolution they stuttered and said there is no resolution. Obviously I will never use PNC again and I will be sure to let my colleagues and friends know how you have betrayed me. I hope we can come to a resolution (that you can creates since Wendy and Elaine are incapable of doing this) and part ways professionally. It would be a shame to go to court over $800 especially because the legal fees would cost me more but I am willing to fight for this fraudulent issue. If I had your income Mr. President and CEO this would not be an issue for me. I would just pay it and end the headache but again, I am a low income small business owner just trying to get by in life with $25, 000 in debt!

We need a resolution as soon as possible. Let’s cancel my contract under the “default” clause so we can part ways and you can keep the $120.93 you already charged me. There is no way to repay me for countless hours of phone calls and letter writing to deal with this incompetence but I’ll have to eat that.

On 4/30 I was calling to report an incident of fraud. Last month I was contacted through an online service I register with to provide childcare. The woman made a whole long story up. She didn't come when she said stating her mother died. She said she would be here in 2 weeks in the meantime her employer was going to send me a check as they were covering her childcare. Well, I thought it was sketchy but ok. When the check came she texted me to ask if I got it and told me to go and deposit it my account. The check was for 3, 000 dollars over our agreement. So she wanted me to withdraw the amount she was supposed to pay me and that was all she said. I don't have a PNC acct but I went there because the check was drawn from there. I went inside handed it to cashier who calls someone out from the back. The guy asked if I received that check from a job I got off the interne. I told him yes I did and he said it was a fraudulent check. I asked could I have a copy of it, the guy said no.
I left called my Sheriff's dept. They informed me that the bank will do it's own investigation. I told him ok but I've got a lot of evidence and would it not help the bank for him to get it he said no. Fine, I called PNC 1-800 number after being on hold disconnected and telling the story 3 times it turns out that Customers cant speak to the investigation dept. I said well don't you guy's care and he said they did but really there was nothing that can be done. I got irritated a little I don't get it . Here I am wanting to provide all this info to try and stop these people and they don't want it. I myself have never nor would ever use a PNC bank.

Due to a fire in May 2015 we lost our credit/debit machine. It is now April 2016 and we still have not received a new credit/debit machine from PNC Merchant Services yet we have continually been billed for the machines and services. We have made numerous calls to the providing company and to our local PNC branch who informed us they could not help us or offer any support to us to receive new equipment or cancelling our contract with Merchant services whom they recommended to us. The monthly charges are always paid yet we have no service. The customer service for this company is the poorest we have ever experienced.

On 1/26/2016 I went to a pnc bank on 2414 wycliff rd, raleigh, nc 27607. To make an deposit into my mother account. I did not have the account number however and had ssn/card number. I then ask the teller would she be able to look up my mother information with ssn/card nu, ber. She stated they couldnt provide account numbers, I advised I didnt ask for the account number I asked can she look it up. She then stated again they cant provide account number, I then stated again I didnt need account number. I said ma'am all I am asking is if you can pull up the account with card number or ssn and make the deposit that way. She was horrible and rude an wanst listening to anything I was saying and wasnt trying to help. I can walk into any other bank in american with the very same information and make a deposit.

I closed this account by stopping by my local branch. I was given a statement I went to my other bank got a cashiers check and brought it back within an hour. Pnc kept the account open after I provided to the branch manager a letter that I was closing the account. They continue to charge me fees and interest. I am seeking my full refund of all fees and charges that were charged after 11/18/15. I closed the account because I went to the same branch to get a check and I asked the personal banker what I had available on the line. She told me I asked her to write a check for that amount. The personal banker wrote the check. The check was not honored because I did not have that amount of funds available. Which caused me to incur fees . I was embarrassed so I just closed my account. I very disappointed in the service I received from Pnc. the account was closed over 2 months ago and I still have not received my refund

Home Equity Line of Credit - Account number:[protected] bank records show that we have overpaid from March of 2012 till Nov 2013, a total of $3, 606.67. we requested several times from bank customer service to clarify how these extra payments have been refunded and if not refunded (which we believe that has not been refunded to us), bank need to refund this amount. Please check the summary of these extra payments below. Overpaid from March 2012 to November 2013 Total credit : $ 150, 000 Month (period) Extra payment Mar-12 45.67 Apr-12 120 May-12 120 Jun-12 120 Jul-12 120 Aug-12 130 Sep-12 150 Oct-12 200 Nov-12 200 Dec-12 200 Jan-13 200 Feb-13 200 Mar-13 200 Apr-13 200 May-13 200 Jun-13 200 Jul-13 200 Aug-13 200 Sep-13 200 Oct-13 200 Nov-13 200 Total Overpaid 3605.67 we urgently require an investigation and refunding extra payment .

For the past several months PNC Bank has been calling telling us we are late on our payments. Yes, due the 1st but not late until after the 16th. They start calling around the 4th of the month. Today the 5th, they placed three calls. I answered the last one and told them this was just harassment and I would report them to the BBB if it continued. Payment was made two days ago! I will not do anymore business with them and I informed the caller of this and said no one would get my recommendation. Also, informed them I would no longer answer any of their calls.

October 2015. I was so excited my small business account was about to be paid off. I received a coupon in the mail stating that my last payment would be electronically deducted from my account. It really was a payment a and a half of the last one. Here is what transpired: The coupon was the only correspondence I received regarding the last payment of my account. It states “This bill replaces your final coupon or automatic deduction. The amount due on the final due date is shown under Payment Amount.” So call me crazy but I’m thinking that since I’ve had automatic deductions for the past 5 years that the correct amount would be deducted from my checking account on the usual automatic withdrawal day. Break out the champagne! Woohoo! Oh, not so fast. I check on the day after and the days after and do not see the deduction from my bank. I go on line and discover that I’m pretty much locked out of my account so I can’t see what is wrong with the deduction not being processed. I call PNC at [protected]. The gentleman tells me that since my checking account is not with PNC that I had to pay it in person. Note: it does not state that on this final payment bill. Well I work 2 full time jobs so I finally made it to the PNC Branch. I went to the teller who told me that I had to see one of the people for business banking. I was directed to a bored looking employee who never looked me in the eye and who I thought was incredibly unfriendly and unprofessional. She said you have to call the Business Banking office and have a fax sent to you stating what the final payment is. Then she gave me a card stating that I needed an appointment to see a business banker. She said I could just call the number tomorrow but it would take another working day to get me the fax letter with the final payment due. Then I would need to set up an appointment with someone to pay it. The coupon PNC sent me, says nothing about jumping through hoops to pay a final bill. The payment was due on the 8th. It looks like I won’t get the pay off until 11 days later because of all this nonsense. That is upsetting to me. I’m doing my best to be civil about this but I find the whole thing ludicrous. First of all, I am more than happy to make my final payment. I just cannot believe that it is this difficult. Not only was I not sent a letter explaining procedure but while at your bank, I was pretty much talked down to like why did I not know the rules. Hmmmmm. I can tell you that I will never apply for a business agreement with PNC again. Now through no fault of my own, the last payment was late and I’m sure the interest is not anything to worry about, however it is the point of the matter. I’m really not a difficult person, but I am really surprised at the lack of clarity, empathy and compassion I have received regarding this final payment from PNC. You would think they would appreciate a small business paying off their balance but instead they acted like it was a pain for them to deal with me. I would say that if given a survey on my treatment of this whole experience out of 10 stars I would give PNC 1. The fact that they did send me the Final Paid in Full letter was amazing considering how irrational everything else was.

Thursday October 8th. I called the phone number [protected]. I ended up with a consultant who seemed very happy to help. After I explained to this person that I needed a document to show I was the only person on my Home Equity Line of credit. I was then forwarded to another person "Specialist Acct." Her name is Jane Simpson. She also seemed very happy to help me but after a few minutes explaining what I needed she said she would have something for me by the end of that business day Thursday. I gave phone numbers to call me if there was going to be a problem but I never received a call. The next day Friday morning the 9th. Of October. I had a message from Jane telling me she was still working on my request and she left her phone number to where I could call her. I tried calling her several times that day and all I got was her phone mail asking me to leave a message. I left two messages that Friday and never heard back from Jane. This now Monday October 12th. 3:45 pm and Jane has never called. PNC BANKING HAS GREAT CUSTOMER SERVICE ? THANK YOU FOR YOUR HELP!

I too tried over 12 times to get a modification. One desk would tell me I was fine And the next would foreclosure on me.
I was sandbagged over 12 times.. Ginall PNc gCe me a payment log. I made 3 rd payment and because my husband who stole all the equity mist of the equity out a home mostly own by my mother. We ho back up go fofclosure. 3 disable women and a young boy.

That cant catch him on bank fraud. But it will cost me custody of kids. Good fzmiky banking

In September of 2012 I signed the paperwork to a Home Equity Line of Credit with National City Bank. They told me PNC had purchased them and that my account would transfer over to PNC. No big deal. Boy, I am regretting it now. I was told I could make extra payments to the principal and at first I could. PNC removed this option from on-line banking and when I try to go to the bank to pay the extra on principal only there are always problems. In April of last year I paid an extra 1, 000 on the principal and it was changed the same day to 842.84 principal and 157316 interest. My monthly automatic payment for April was never taken out. When I called in May to protest and have it corrected I talked to Cindy Christy in retail escalation. At first she said, "Well, you didn't make any payments to interest!" It took some time but I finally got her to understand that I wanted all of that to go to principal and my regular payments to continue. We agreed that I owed a payment and she had me sign papers authorizing her to take a one time payment out of my checking account. She applied the entire payment to my principal to correct the error of April's payments. I don't know who went into my account and took out a payment in May which was due on the 15th but it is dated May 6th and the payment was for 184.14 to principal and 154.76 interest. This would have been correct but it was removed the same said date and no payment was therefore taken for May. I did not check any of this because I thought the issue was resolved in April. In June I see my payment was taken and the entire 338.90 was put to interest! What is happening here. I called and spoke to Becky Merrick, also retail escalation department. She said she would get back to me and left a message days later saying I owed that because I paid 1, 000 to my principal in April. I left her several messages since that it doesn't make sense to me to owe MORE in interest after I have paid 1, 000 to lower my principal. Never heard from anyone again. I got the number of the retail escalation's regional manager. Debra Baker is the Executive Client Relations of Enterprise Escalation Group. first she was on vacation and then when I finally spoke to her she said she would get back to me after further investigation. Never heard from her again. I filed a claim with the Consumer Financial Protection Bureau. This took some time as I wanted to send paper copies so no one could say they had never received my complaint form. I got a case number and had to call back a month later and ask where the forms were they were suppose to send. "Sorry. Someone had not marked that the forms were to be mailed to me." One month later, still no forms. I called and asked if someone at the Consumer Financial Protection Bureau got paid to loose any complaint forms for PNC? TA DA! My papers finally arrive December 11th. I fill them out and send them back ASAP. I received a letter of acknowledgement that my complaint forms were received on February 23rd! I receive a letter from PNC on April 21st, "Please allow me to respond to your complaint filed on February 20th". This was from Debra Baker and her explanation of what happened does not mention anything about the May payment being negated nor does she mention the June payment going solely to interest. Also, my July payment was divided as 113.47 to principal and 225.43 to interest. August was 157.06 principal and 181384 interest. Before all this started my principal was 169.13 and interest 169.77. It's like they punished my with extra interest because I tried to pay down my principal. No way were they not getting their money. I have so many more issues with them...Making comments when I withdrew money one Friday "Are you planning on making a big purchase this weekend?', looking at my accounts and saying "You have a lot of money in here!", while trying to send money overseas, "You do not have the correct information that we need. I do not read or speak German." Well, I can't change the name of the bank to English for them and I can't change the account number for them because it has too many digits to fit into there forms! Now I receive a letter saying they are adding a clause to their accounts that any claims must go to their arbitration and cannot be settled by judge or jury. What is up with that! I have had enough. I am getting out ASAP!