PNC Financial Services Group
Reviews and Complaints

PNC charges incorrect overdraft charges by putting through the largest amount first which is the exact same reason Bank of America had a lawsuit which forced them to refund money to millions of their customers. Not only that. They charged these fees on a Saturday when there system does not process deposits. There was about $700 in ACH deposits that are coming in over the weekend, which if this was a weekday, would have offset the small amount. The account went over by one small amount less than $50 from one transaction, which resulted in 4 overdraft charges.

The cost to them will be I am removing my account with $10, 000 a month in transactions over this $144 fee. The fees and abuse needs to stop.

My husband and I keep our checking/savings accounts separate and at our own individual banks. I, unfortunately, have been dealing with PNC bank's fraudulent transaction stacking techniques which have caused several OD fees. For example, my husband deposited a check from his bank to my PNC bank on a Saturday. The check cleared his bank immediately but was held for processing by PNC and would be available the next business day. The next business being Monday. WRONG ! PNC held the deposit until midnight Tuesday morning. Normally this would not be an issue, however late Monday night a check was presented to my account and processed well before the other "pending" transactions and the deposit that clearly was listed on my account before the check made it's appearance. However, to obtain the most over draft fees, PNC stacked the transactions by taking the late coming check which was for a greater amount first then the smaller debit cards and lastly the deposit to cover the check. Keep in mind, my checking account already had more than enough to cover the debit card transactions but was a little shy to cover the check hence my husband's deposit. Lesson learned, next time deposit cash. Expensive lesson and for the convenience of not traveling to take cash out from one bank and depositing to another. PNC seen the loop hole and jumped right through it ! Crooks ! I called customer service regarding the fees, they even admitted seeing the pending deposit and the fact they take higher debit transactions first regardless of their order. I've done my research, transaction stacking is common, however holding deposits until after all the debits are processed is not! I will be switching all of my accounts as well as my daughter to another bank. Suck it PNC ! I hope you go under !

I am disgusted with the way PNC handled our refinance. To make a long story short we applied for a VA Streamline Refinance (IRRRL) on our VA mortgage. PNC assured me repeatedly that there was no appraisal required for a VA Streamline Refinance. They then sent their own appraiser who I was told when I called and talked to my loan officer was only looking at the house to make sure that it was intact as we are in a "disaster Zone" according to PNC. I am not sure what they are talking about here as we have never flooded, had an earthquake, or anything like that. I want to reiterate here that I was told repeatedly that and I am quoting here "we are not assigning value and it is not a value based appraisal" I said fine and figured that we were ready to close next week as we had our approval and they said they had all our paperwork. Then surprise surprise, they informed me after a month that our house did not appraise by, get this about $1000 dollars and we need to come up with the difference. My problem with all of this is that they lied to me. I was not informed that they did a value based appraisal until after it was done and they denied my loan based on it. I should also add that the VA told me that a VA appraisal was not ordered by PNC, so I have no idea who they sent out. I am not allowed to see the appraisal, and the loan officer himself has never called to discuss this with me despite the repeated messages I have left for him. I feel what PNC did was dishonest and unethical. I am not even sure it is legal. If they had told me they needed a value based appraisal from the beginning instead of lying to me I could have made a more informed decision and saved a lot of time and hassle. I will be closing my checking accounts with them and moving to a more ethical bank. We are currently attempting to refinancewith another bank that will do our IRRRL loan without an appraisal, lets hope it goes better.

to shame on Kauai, like yourself PNC sent back any checks for there offer to loan modification. They lowered the interest rate and matched approx. what our mortgage payments were in 2005. After acquiring our loan each year the monthly would increase and calling them has not been sucessful. At any call we would get someone with no last names. We were referred to HOPE who I found one honest person to tell me, we would not qualify for modification because of our income, which was the same as when we qualified in 2005. She told me I shouldn't have gotten the loan with that income. Go figure, pass a loan that was intended to fail later. In 2010 they again told me not to pay and I listened. I am now sending them payments each month based on their modification letter of approval, and they keep sending the payments back and I send each month even though the checks are sent back. Covering my A__ in Pahoa

Vice President of Business banking hangs up on customers.
When questioned about the financial products she was sold us...unable to remember. When questioned about promises she made during our account opening...unable to remember. When asked about the value of working with PNC bank...unable to articulate a good reason. When questioned about not knowing the answers to basic questions we had...she said file a complaint and hung up! Totally unprofessional. Closing our business accounts at PNC, today

When I checked my online banking I noticed in the pending section that I was overdrawn on my checking account. I drove through snow on unplowed roads while Maryland was under a state of emergency declared by the governor to make a cash deposit to cover this pending withdraw. All to no avail. This bank calculated the largest withdrawal first then added the smaller ones in order to maximize the number of overdraft fees it could charge me. When I requested help from PNC customer service I was basically told "too bad, so sad" and just pay up. What used to be a customer friendly bank is turning into an institution that employs any trick it can to take more and more from its customers. Lucky for PNC those who continue to bank with them are human and will make mistakes from time to time. I am researching other banks and their practices and will soon be an ex customer of PNC. This bank should drop Pittsburgh from its name --it is nothing at all like the friendliest city on earth!

Soon after I applied for a refinance mortgage at PNC bank, the national office informed me that I am in a flood zone and must have flood insurance. I then provided proof from our local government department that our house is not in a flood zone.

Soon after that “RRamirez” of PNC sent a PNC memo to Edith Wrona saying that because I provided such proof, it was OK to not require flood insurance. Edith Wrona then forwarded that memo to my local PNC mortgage agent who then forwarded it to me.

But I continued to receive generic “You must have flood insurance” form letters from PNC.
So in late January I called the PNC mortgage customer service line, and the woman there confirmed that her computer said “Flood insurance *not* required” and she said that I should just ignore the automatically generated form letters demanding flood insurance.

I then had a $500 elevation survey done by a licensed surveyor to confirm that my house is 1.3 feet above the flood level.

For 5 weeks after January 25th, I emailed Edith Wrona asking for a PNC letter confirming the PNC email that flood insurance would not be required, but she never responded to any of my emails.

Our local PNC agent said that he did not know why the national office was not responding to any of my emails.
Finally, on February 24th, I called the national PNC and asked to speak to a supervisor.

PNC national mortgage supervisor Brandi Coyner returned my call and said “Since January 25th, we have repeatedly informed you that the January 25th email was a mistake, we have repeatedly told you that that decision has been reversed, we have repeatedly apologized to you for that mistake, and you are in a flood zone no matter what the Louisville government officials and the surveyor say.”

I then told her that nobody had ever informed me of any such thing, since Edith Wrona had never contacted me after January 25th, and our local PNC agent had repeatedly said that he didn’t know why the PNC national office was being silent for 5 weeks. And I informed her that I am a retired church pastor who will swear on the Bible that I am telling the truth about the matter.

PNC supervisor Brandi Coyne then *angrily* *yelled* into the telephone that she had the “proof” right there in front of her that I had been repeatedly informed that the January 25th email was a “mistake” that had been reversed.

I finally got so tired of her angrily yelling lies at me that I had to hang up on her. I have now applied for a refinance mortgage at Republic Bank for half the closing costs demanded by PNC.

I lost my waitressing job bank in May 2011 and was job hunting day to day at local restaurants and retail places, looking for any place to work. I submitted my resume for an Attorney's Assistant position I saw on Craigslist for the sole fact that I was pursuing an education in the Paralegal field. This attorney replied to my resume letting me know that I was perfect for the position and that he would be paying me $455 salary to deal with his clients, keep his scheduling organized, and run any errands that needed to be ran. We had communicated over the phone and email for a couple weeks. One day he informed me that he would be sending me a check in the mail and I would use the money to shop for supplies for an orphanage in his hometown that he donates to every year. He told me he would be emailing me the supplies list as soon as he talked to the President of the orphanage. Once I received this check it was for the amount of $2500. It looked like a payroll check. I deposited the check in my checking account at PNC on the Wednesday morning June 1, 2011. I emailed the attorney and let him know I wasn’t going to touch the money in my account until I knew the check was cleared.

On Friday June 3, 2011 I saw the $2500 clear into my PNC checking account. Before I contacted the attorney I was working for, I called PNC around 10:30 AM to verify that the money clearing in my account meant that the check was cleared. The representative explained to me that it only takes 48-72 hours for the check to clear and the funds were clear and everything looked good. So I called the attorney and let him know the check had cleared and I was ready for him to send the supply list for the orphanage. He replied and let me know that he had talked to the President of the orphanage and they would rather have a money donation to be able to use the money where needed. He then emailed me instructions on how to send the money and where to send it. He told me he wanted the donation to be for $1850 and to use the rest of the money as my weekly pay. I then went to the closest Western Union (Publix off Oslo Road in Vero Beach) and completed the money transfer for a total of $2011. This amount was too much to purchase using my debit card so Publix then had to call PNC and have them verify the amount and transaction for it to go through. After about an hour, the transaction finally went through and I contacted the attorney and let him know the transaction details.

The following day, June 4, 2011, I received a notification that my checking account was over drafted over $2000. I later discovered the check was fraudulent and the attorney I was in contact with was no longer reachable. I immediately filed a police report and filed a dispute with the bank. I presented the representative, Jessica Francis, at the PNC bank where I opened my account (4105 9TH ST. SW Vero Beach, FL 32968) with all the evidence supporting that I was scammed. I had all the emails, the envelope the check came in, the name and phone numbers of the person I was talking too, the police report, and a photo of the fraudulent check. Everyone in the branch was unsympathetic to my situation and pretty much made me feel like I should have known better. After three weeks, PNC denied my fraudulent claim and has now held me responsible for the money that was sent out. After this happened, all the moneys in my accounts at PNC were frozen and unable for me to touch. My bills during this time were all past due and unable to be paid because PNC applied all the money I had left to be applied to this negative account. I tried to have the bank manager help contact someone over the phone that could help me in my situation and at least work with me. No one wanted to hear my side of the story and just wanted me to pay the bank back.

I feel that PNC is negligent in my situation because they had cleared the money to my account without the check being cleared. I feel like there was nothing I could have done to prevent this from happening because I was venerable and desperate for work and was even precautious with this money transfer. I feel that PNC needs to take responsibility for clearing and approving something that was in their complete control. If I hadn’t called and made sure that the check was cleared, and if they would have told me that the check wouldn’t be cleared for another week then I would have never made the transaction. I have discussed my claim with my other bank (JP Morgan Chase) and they informed me that no other bank in this country would have made the mistake PNC did by clearing the funds of an out of state check without verifying that the check was good. I have had no luck in finding justice against this bank. To this day I am still fighting with PNC to resolve this. They have now put my name in Check Systems as a fraudulent check holder and I am unable to obtain a checking account anywhere in the United States. This over drafted account at PNC is not because of my irresponsibility, it is theirs. PNC has made it impossible for me to get on my feet again because they froze money in the checking accounts I had at their bank and has now caused my other accounts at other banks close my checking accounts as well.

I would like to get back the $491.48 that PNC took out of my other checking account I had at with them, I would also like PNC to clear the $2011 transaction that they approved and fronted the money for as fraudulent, and to clear my name off Check Systems. Lastly, I want PNC to compensate for all the trouble they have caused my life and finances. I know I have a case and all the evidence to prove that I am a victim and that PNC is responsible for their negligence. I know there is someone out there that can help me in this horrible situation.

My life has been nothing but utter chaos and stressful for the past two months. If you are unable to help me with this I would appreciate any advice or information on anyone you know that can help.

notary public for unclaimed property claim form cannot be done at PNC. this is just proof of signature so why can't they do it? they can notarize anything else as far as i know whats the difference and very inconvenient. Banks are just weaseling their way out of free services that they should offer to keep my monies.

When PNC bought National City Mortgage, which held my mortgage, naturally, the billing address had changed. As I pay everything through my online pay system through my bank, upon receiving PNC's mortgage pmt bill, I immediately set them up through that system.
I received a notice that I was late on my September payment. I ignored the notice thinking their system was slow or that their inner departmental communications was simply different than what I was used to.
After another month, I received another notice that I was now two months behind. I had just made the October payment several weeks before. Well now I called PNC to figure this out. The "customer service" rep, if I dare use such a term to describe this bum, could care less about my issues. I told him I in fact had the online record in my hand proving I was not late. His response? Are you planning to foreclose?" He didn't hear one word I said nor did he care.
When I asked, "so what happens now? What are you planning on doing?" He laughed. Then verbally shrugged. "huh?"

I read him the address my bank sent the pmt to and he said nonchalantly, that PNC hadn't used that address in years.

Huh? I told him I didn't pull that address out of my butt, so it had to come from them or the bank.

Needless to say, I had to come up with the double payment and then stop all billy paying through the online bank system.

Then I had to lease a vehicle a few months later. Ford wanted to know if my house pmts were up to date. Their records show they were not. Another PNC screw up I'm assuming. So it took 5 days of dealing with PNC to produce a simple document declaring i was in fact, not defaulting on the home. But because of their incompetence, after suggesting they would fax to Ford the form needed, I find out five days later when no fax was ever received by Ford, that PNC did not have a fax machine at all. What? NO FAX?

So I went on their website, pulled up my payment history and found the form Ford needed online and sent it to Ford myself.

PNC is useless. They are stupid, incompetent, and a nightmare to deal with. I want out of my mortgage now.

I own a small business and needed merchant services to run credit/debit payments. I was approached by the representative, given the sales pitch, and promised a $250.00 bonus for signing up with the POS system. I was also told that if I didn't want to continue with the system I could always trade it out with the standard unit. Well... after I discovered that my building was n ot equipped to house the POS system I then tried to contact the merchant services who sold me on the idea of the sysytem. No response. I called and left SEVERAL messages on her voicemail, with the branch tellers, at the 800-customer service number, at merchant services, and I NEVER got a response. This went on from April to July. Finally I got hit with fees to my account for this machine I could not use. I disputed the fees and then I requested that I ger the smaller machine because the big one I can not use. I was told that was fine and that I should receive a label to mail the system back in.

Well what mankes the story get even worse... a month and a half before all of this my shop was burglarized and I deposited the reimbursement check from the bank into the account. They put a hold on the account because I requested a new machine. Now Merchant Services representative Regis was VERY nasty to me, saying that it didn't matter if it didn't work if I signed the lease I own it for the 48 months. Then he went on to say I was lying about contacting the bank, merchant services, and the sales rep. He was so rude it moved me to tears! I couldn't believe how I was being treated. Not only had my NEW business been burglarized but now I am not able to open because Merchant Services is holding my money that I was reimbursed so I am going to be forced to close my business for good.

The even worse part... I was told that I would be contacted in 24 to 48 hours, I have called, left messages with the manager, sales rep and have gotten NO RESPONSE. I feel violated, ignored and I don't know how a business would feel this is right.

I received a letter dated 6/9/11, that stated my mortgage loan was past due and "in default". The letter was clearly in error as I had paid my monthly payments through November, 2011, and had begun to pay $1000 per month in additional principal payment.
When I called the number provided in the letter, I was served by "Chawentta" (first name) who would not provide her last name. She was abrupt and rude and made no effort to listen to why I was calling. She did remark that it appears my loan is current, and when I asked that I receive a letter refuting the correspondence they sent dated 6/9/11, she said she could not do that. I attempted to say that I was fearful that the litnany of errors by mortgage compay's that I read about frightens me, and I'd simply like a written response that the letter I received was in error and PNC's record have been corrected. She again refused. When I asked to speak to her supervisor, she asked why? I stated that I'd like to make my request to someone who may have the authority to honor it. She then put me on hold (silence--no music) for an inordinant amount of time when I finally hung up, completely frustrated. I then attempted to find out who oversees PNC mortgage company--this is not easy, although Joseph Guyaux is the President of PNC Bank (the holding co) and has responsibility over PNC mortgage. I'll now attempt to reach him...

Called PNC bank at the local branch in Newark NJ to get some help about my account, did not want to go into the bank because the 888# indicated that if I called the bank they could help me over the phone. When I called the young lady was unprofessional and could not help me and to even make matter worse she hung the phone up on me. I was so angry, I called back because I could not believe she hung up on me and can she started talking loud and being really unprofessional again. I was so angry that I indicated that I would be right there to the branch, I only work 2 minutes away. I went into the bank and guess what the staff was taking pictures with the security guard in the front and no one stated can I help you. I did eventually speak to the manager but at this point I was too upset and at a real disbelief of everything that had just accured. What happened to the days when people valued their jobs and gave great customer service. Those days are long gone. PNC Bank needs to better screen there staff because it's bad for business.

I am writing to share my over 4 month ordeal with pnc bank, trying to purchase a foreclosed home, with no end in sight. And this is for a straight no-financing, cash purchase. I could write 10 pages about the terrible service i've gotten from them - and I am the one trying to give them my money! (over 6 figures, in cash.) very short version of the story - pnc has a number of bank-owned foreclosed homes in sw florida. I was looking for a house recently, found one I liked. Saw that it was a pnc foreclosure, did not give off any warning bells, read on here that they have terrible customer service but I naively thought this would not apply to me.

The offer was accepted quite rapidly (after counter-offers), then began the waiting and complete lack of communication, information, or updates. After waiting approx. 2 months with no updates able to be provided by my realtor, I contacted pnc directly and was brusquely forwarded by pnc to the 3-rd party company servicing foreclosures. Will not name them here - yet - because I believe the root of all the problems lies with pnc.

Was told at the 2-month mark that pnc's legal department (which, by the way, is completely unreachable and lists no phone, address, or email on any site - spent hours looking) was still reviewing the foreclosure documents and this was taking a long time, as they had to go over everything with a fine-tooth comb due to the problems with foreclosures being done improperly and 'robo-signed' in fla during '08 and '09 primarily. Ok, I thought, I will be patient. Meanwhile, more weeks go by, turning into months, now at the 3 month mark (remember, this is not a short sale, but a bank-owned home with a straight cash purchase) and still able to get no update on when, or even if, the docs would be ok'd by pnc's mysterious and unreachable 'legal department'. At this point, major life plans for the year need to be changed (flights, seasonal working schedules, etc.) at a pretty huge expense. Lucky I have another home available to me to live in while waiting - imagine if this was a situation where a family sold their previous home, relying on the normal situation that they could close on their next home in a reasonable period of time. They'd be homeless for 4 months (and counting).

Finally - 3 months after the offer was accepted, news that that mystery legal team finally ok'd the docs and we could go into inspection/contract phase. Thank god, I think, my trials are over and I can see the light at the end of the tunnel. This brings into play a 3rd company that is involved in the transaction, the title company (also to be unnamed as of now, as they have at least tried to be helpful). Inspections done quickly, addendums all signed, now I think it's just a matter of a week, two tops, before the house is mine. Wrong! Remember, this is pnc we are dealing with! As past customers here have attested, it could never go that smoothly with them.

Waiting, waiting, waiting, no communication from pnc, the foreclosure service co., the title company, and the realtor says they've sent emails to pnc with no updates on closing. Then, I learned from the title company that they are waiting on one doc in particular - the deed, which had never been changed from fannie mae's name to pnc! That's right, the house that pnc was/is selling is still, according to the deed, is owned by fannie mae! So technically it's not even theirs! How cool is that?!?! Oh, but it gets better.

Was told by nice guy at the title company that pnc informed them they put thru for a change of deed at my county clerk's office around the time inspections were done (at the 3-month mark). Hmm, strange, I think, as I know that things are not busy at all there, and this should not take so long. And after talking to those in the know, I learned this should take 1 week maximum. So finally I searched the county records today, found all records for the home (since it was built) and all records for pnc the past year and - can you guess it - there has never been any record put through to change the deed to pnc's name! That's right, pnc lied when they said they put the deed thru a month ago, the document has never been filed. And in the meantime, I have been waiting patiently and naively, like an idiot, believing what I was told by pnc and the foreclosure servicing company.

I have waited because I really like the home, and it was sold at a fair price due to it being bank-owned and needing some repair work. But in the meantime I have foregone a number of other homes that would have been good options also, and sat and waited and planned, measured, planned more, and waited more - now coming up on 4 months - for these idiots who could care less if they get this asset off their books or not, and care even less than that how they treat a potential customer waiting to give them tens of thousands of dollars.

I will update this report if there is a 'happy' ending, but even if the closing happened in the next few days, the experience so far with pnc has caused an incredible amount of stress, problems, and aggravation. I can totally relate to the other stories here, and I strongly urge anyone considering purchasing a pnc-owned home to consider my experience and ask yourself if you are willing to potentially go thru the same to buy that dream foreclosure.

I entered the bank with cash for a deposit with the understanding I would be opening one of their "Foundation Accounts" for individuals who have had distressed financial situations. As I had recently completed a bankruptcy I figured this would be the case. After pounding on his computer terminal for a time, the Branch Manager informed me that he was "the MAN" and could get me a regular account. I asked specifically if, since the deposit was cash, I would be able to immediately access the funds as I had financial obligations coming up very shortly. I was told that I could. Upon going to the bank on Friday to get an official check to pay off the one loan I retained during the bankruptcy, I was told that PNC Bank had arbitrarily determined that they did not want to do business with me, closed the account, and sent me a check. This has effectively frozen my funds and is preventing me from paying off financial obligations that I have promised. When I called PNC Bank's home office I was told directly that it was company policy and any losses I incurred were just tough luck as they had the right to "change the game" any time they so choose. I find this attitude reprehensible and do not recommend them.

Pnc bank charges overdrafts on (pending transactions) its a scam. Thet should only be allowed to charge a overdraft to posted transactions. They also hold the pending transaction longer so you will overdraft more think you have the money in your acct. They also make sure they take the biggest transaction first so you overdraft all of the smaller ones, it is out of sequence. So if you spent for example $20 on 7 debits cigs, pop, asprin ETC and then you see you don't have the money to cover the expence and put the money in the bank before they(post) to yur acct. they will charge your acct $255 on twenty dollars worth of pending transaction not posted transaction, , , , what a bunch of crooks

I had a health savings account (HSA) at National City, when in the fall of 2009, as a result of the "merger" prompted by political favors to Pittsburgh (and a political slap to Cleveland) instead of bailing out National City, PNC was given billions and took over Nat City. The result was the loss of 100s of Cleveland jobs and thousands of pissed off Nat City customers. With my Nat City HSA, there was online customer service 24/7 and online bill pay, both of which are considered minimum banking services for major banks in the United States.

Starting in the fall of 2009 when PNC took over, their HSA (which, ironically is accessed by the absolutely incorrect website of "smart-hsa.com") has no online customer service (customer service may be reached only 9-5 Monday to Friday by calling an 800 # (after an average 30 minutes on hold). The account still has no online bill pay. Electronic transfers of money from my main account take 3-4 days. The account and the bank are a joke. Pony Express would be faster. Yet 18 months later in the spring of 2011, it appears that nothing has or will change with their services.