PNC Financial Services Group review: stimulus modification loan nightmare 64

Went to PNC for a loan to replace my ac central unit. I felt my human rights were violated, It is summer, we all are strugguling with the weave heat. I never behind in my mortgage payments. Because my credit score of 6.10 they requiere 6.85, I wasn't eligible for the 23 hundred dollars to replace my central ac and here I am tolerating dehidration, sweeting unable to sleep at nights. Pray to GOD protect mi from heart attack. What a shame. Thought they care for the human being part but obviuosly money is first for PNC.

In May, PNC Bank offered to move a loan payment on my mobile home to the end of the contract. I asked if we could do two, and they agreed. After that, I got one call and a woman told me it would take a long time to put the change through. Then silence. By July, they still had not put the transaction through. I was late with the July payment, and they POUNCED. They put in order of replevin with the court. It was a set up. Now I have to go to court and prove that they promised to move the two payments to the end of the contract. I may lose my home.

I am in the SAME situation! I fell behind 1 month because my furnace went out and I had to replace it. After a year of trying to qualify for some kind of modification, I was told that the house was included in a bankruptcy back in 2008 and I thought the debt was reaffirmed! They would rather throw a single mom and her kids out on the street than modify the loan or tack a few extra payments on the end. Ridiculous!

I did a search on "PNC Modification Horrors" and got to this page. Although it doesn't help my current mortgage dillema it's at least alittle reasuring im not the "only one".
I July i fell behind due to past chemo problems and severe chronic pain. I let PNC know (my mortgage company) and they suggested signing up for the Making Home Affordable Program. Note this is late July/early August. Up until say Dec 1 i have repeatedly sent in bank statements, wage statements, financial summeries, finanancial hardship letters, etc.. Some of these papers were requested 3 to 4 times. Over and over, send your last 2 months bank statements, even though i just did a few weeks ago. During August through late Nov i slowly fell farther and farther behind on my mortgage. On Dec 5th i was told it probably wasn't the best idea to try to make any payments because if i did i wouldn't be eligible for the MHAP. Well after hours and hours and pages of faxing info was i supposed to just give up? They suggested no. Oh and by the way, the lady who was in charge of past due mortgages never once was there to answer. Just another "im on another line or away from my desk but be assured ill get back to you". But her mailbox was full. About 3 weeks ago i was sent a letter informing me that another person would be handling my deliquent loan. Did they finally can the first woman? It's going on 4 days now and im unable to get in touch with her as well. This last weekend i recieved a notice that my home is in foreclosure but when talking to someone at PNC he told me there isn't a sale date yet so don't worry. Easier said then done. Yesterday i recieved a certified letter from a law firm stating they are now handling my loan and need to do something within 30 days. But after yet another call to PNC i was told i am still in the MHAP and they are reviewing my info and it could take up to 12 weeks. So do i wait to see if im approved and hopefully they will make my mortgage current or lower my payments or do i call the law firm and tell them i want to make payments and just get my damn home back? Talk about being in a pickle. What happens a month from now when PNC says sorry your not approved for the MHAP. I just wasted for months sending over 100 pages of faxes( which by the way i don't own a fax machine so i have to spend $1.75 per page at Office Max to fax them. Also i get double letters daily stating different things. I get phone calls on my home phone to call PNC even though im calling them daily. The communication in loss mitigation is NIL! Id be fired for such sloppy work. Unfortunately they aren't and they are playing with my home. Without my home i mine as well get hit by a car. For anyone just beginning this process, be very very careful and don't believe anything just because some office smuck tells you. Honestly i can't recommend it. If i could go back 4 months i would definately not have done this. Unfortunately it's to late. So im stuck over Xmas wondering if i will have a home or not. I was going to install some weatherstripping and paint the kitchen and put in a new floor but now why bother. I'll end up finishing it and PNC will walk in and say "gosh thanks, the new owners will love this". I plan on calling the law firm listed above and tell them my story and maybe if enough people do "something" could result. Im not holding my breathe though. Thanks for the early Xmas gift PNC. Possible homelessness, enough stress to age 10 years in 4 months, a probable heart attack and while i won't say not a will to live i will ask PNC workers may i move in there home? Oh, be sure and have the kitchen painted yellow. That's the color i started to paint my (or is it now PNC's) home.

That is really sad, Pnc stand's for PEOPLE NOT CARING ! and they do a great job showing it !
hope you were able to get your air fixed. God Bless !

Juan Valdez: Same thing happened to me while being considered for a loan work out package, i.e. loan re-modification and or loan re-payment plan my home was taken from me by Freddie Mac. Even after I had spoken to a PNC represenative who said that my home was safe from forclosure while my package was being considered. Turns out the same day that I was denied on my workout package, they foreclosed on me and I had to move out of the home that I had lived in for the last 17 years. What about my equity? Guess what the house is still in my name in the local Tax Apprsail District. Also I never have nor will I sign my home over to anyone. If they wish to fraudulentley forge my signiture thats up to theam.

After calling in asking for it to be moved to the next month because I needed money to run my company and get parts. Also to go to the Doctors, because I have been coughing up blood for the past week. They told me they would give me 4 days more.
Thanks PNC $%$@%
The first time the lost the papers I even had an email from them telling me they had everything and it was all good. They would let me know in 30 to 45 days. @ months later the sent me a letter saying didn't’t send them the papers they needed and I would have to send it all in again. The person that sent me the email was gone and they told me they could even talk to her or find any papers I sent in. The next person on my case after I sent in all the papers they asked for called and told me they had all the papers again 11/23/11. On 12/12/11 they filed forecloser papers saying didn't give them all the papers they asked for. After calling again they told me they didn’t had my papers again and I would have to do it all over. 2 weeks later they called and said they got them from me and thanks for sending them in, they really just found them.
Now here I am, trying to save my home for my wife and son. Trying to run a company and with no insurance, money and coughing up blood and they will not give me any more time than a week to start paying.
Would a 4 week notice kill them after messing up and all the stress for a year?
I still need insurance and money to go to the Doctors. Do I go to the Doctors and say hell with the house? I should just do a chapter 7 or 13 and say hell with it. The loan is 100k over the price now.
Dennis@htshvac.com

I received 2 overdraft, which I called the bank to have it removed...there was no luck.. since I've had it done before...but I explained to the Bank, That I have been sick for sometime now & will be happy to give them the letter from the Dr/Hosp. to show that I was sick and wasnt able to avoid the overdraft. The Bank said they can't, so I called the cust. serv. and still no help.
What happened to Compassion " we will work hard to serve you" So such for cust srv. care...

PNC LOAN # [protected] NEED URGENT HELP!
THIS IS AMAZING WE HAVE RECEIVED THE SAME SCAM ABOUT NOT BEING ABLE TO MAKE UP PAYMENTS 2 YEARS AGO 2012 NOW ON FEBRUARY 1, 2013 THEY OFFER US A RIDICULOUS CASH REPAYMENT OF 90, 000.00
IF SOMEONE WITH AUTHORITY CAN HELP IMMEDIATELY PLEASE HELP

I have had the worst experience ever with PNC mortgage modification single point of contact representative Terry Dale and David Klein. Terry Dale has an attitude that is blatantly rude condescending and acts like she does not know me when i call when i have been speaking to her for the last two years (2010) as my single point of contact. She does not elude customer service. She acts as if you are new profile in her library and she is starting from scratch with information and customer service attitude. I told her that she should know who i am if I'm speaking to you twice a week for the past two years as my single point of contact and she doesn't respond. I could speak to her repeatedly three times in a row in the same day which I have and she acts like she doesn't know me from previous calls made on the same day. This is how uncaring and disconnected the customer service is. She knows that I am at her mercy like a slave . I fail behind on my mortgage for three months and tried to repay the total three months in the fourth month and PNC denied and returned check. They mailed me a borrowers assistance form among a host of documents need and I sent them immediately. They keep stating they did not receive this or that document I continued to resend documents about 10 times over no kidding. Finally today February 1, 2013 David Klein ( loss Mitigation Supervisor) informs me that their investors at the bank forwarded over to freddie mac a repayment agreement in lieu of a modification for me to pay mortgage back payment for over two years . Now it is two years of mortgage, attorney, fees, interest etc that is due a pose to three months originally. If I qualify for a repayment plan after two years why couldn't they approve a repayment two years ago when i only owed three months. This is a scam now they want me to pay 10, 0000 immediately in attorney fees and the following month my mortgage goes up from 2, 5000 a month to over 8, 2000.00 a month . Are they insane!. I asked David Klein if they could stretch the repayment over 18 or 24 instead of 12 months being that they messed up and delayed this for two years and David Klein (Supervisor for loss mitigation at PNC) stated rudely no absolutely not this is your only offer . How could he have sole control he didn't even try to help or assist. I think he and Ms. Terry Dale were gunning for me because I was too assertive with the saving of my home and they didn't like it . Who can pay over 8, 0000.00 a month. It totals 90, 000 cash repayment in 11 months I don't even bring home 90, 000 take home in a year. How can you now not negotiate with me when you guys messed up in the beginning also by telling me in August of 2012 they never receive a 4506T form when i sent it and stated that this is why I did not qualify for the 1st modification due to missing a form when it was sent. Then now state that i am not eligible for a modification at all however they can give me a repayment plan. I have the same income, same documents, same type of hardship why couldn't i get this agreement two years ago without all the attorney fees back interest etc etc. They should have told me two years ago I could set up a repayment for three months and now two years later they can now give me a repayment for over 90, 000 plus 11, 0000 in additional fees. They are not taking responsibility or held for their in actions to swiftly complete or followup to see if the documents were placed on the image mointering center for review to expedite the process. I have been begging them to repay the three months owed two years ago. This seems like a scam for their attorney's to pad their pockets. I continued to ask if they could place me on a 18 or 24 month repayment plan and he disrespectfully blatantly declined me and said reject it and then start the process over if your not happy. This is unfair to homeowners and I need a President or a Vice President who I requested to speak to however denied help correct this immediately. This is not customer service.

I wish I would have seen this post back in 2010! Reading all these comments make me sick to my stomach. The same thing happen to us. We started out only 2 month behind and then trying to get a modification that lasted for 2 years because they kept losing our files or as the lady said "it fell through the cracks some how." We did get a modification but it was really redicules, we had to come up with 10, 000 and then they added 20 more years to our loan taking it from a 30 year mortgage to 50 years and now We're looking to see how we can get out of this mess. They didnt let us know about the modification until the day that our house would have gone into forclosure. The worst thing about this besides having a 50 year loan is that PNC has report to the 3 credit companies that they did forclose on us and I'm having trouble taking this off. I heard about the law suit but I dont know who to contact. We're almost tempted to just let them forclose...cant see us paying on a house for 50 years! Can anybody help? Saginaw, TX

I went to cash a check and have never received service so poor. I understand why PNC bank has such a bad reputation! I will look elsewhere for my banking needs.

Reviews and complains from employees about working at PNC Bank http://masterjobs.net/pnc-financial-services-group

I am employed, but not full-time. I accepted a minimum wage part-time position in September because I got tired of not finding full-time work that paid a living wage. I am still looking for full-time employment.

I am in the final stages of foreclosure. PNC is my mortgage holder and served me with a request for judicial intervention November 8, 2012. I submitted a hardship assistance package November 27, 2012. A settlement conference was scheduled for January 10, 2013, which was subsequently rescheduled to February 27, then to April 10 because PNC did not appear at the first two meetings. At the April meeting, I learned the Justice’s clerk had called PNC after I left the February meeting, and apparently that constituted a conference, even though I did not participate.

PNC has denied HAMP modification based on past requirements, which stated a mortgage could not be more than one year behind. The housing attorney at the local Legal Aid office pointed out in a letter to the Justice overseeing the case the HAMP 12-month limit criteria cited by PNC had been eliminated November 16, 2012, which gave me a tiny flicker of hope. Unfortunately, I received a letter from the Justice siding in favor with the plaintiff and telling PNC to move forward with the foreclosure.

In November, I chose Clearpoint Credit Counseling as my HUD counselor because they had bankruptcy certification, in case i decided to declare bankruptcy, which I chose not to do. Clearpoint does have a local office, but except for my initial intake call, I have been unable to speak to anyone in Binghamton. There has been virtually no communication between my counselor and me unless initiated by me. I was assured that because I had an FHA loan, there were lots of programs available to help me keep my home. When I was declined for HAMP modification, I was told the counselor didn’t know of any programs in New York State – Clearpoint is based in Virginia.

My mortgage is now two years behind and has fallen outside of the 31% margin – the difference is $402.00, which is one mortgage payment. I believe if PNC had done a partial HAMP modification in December or at the first settlement conference in January, I would not now be in danger of losing my home. I have contacted one of my state senators because I don't know what else to do. I figure if this is happening to me, it is happening to other people as well.

I open my account back in march I was told along with co workers that after 60 days with direct deposit and a minimum of 1500.00 in account we would get 100.00 after I was told by the branch manager and the rep that signed me up I met all the reguirmednts and now I don't that added other requirements, I email the branch manager that said I met the requirements wouldn't return my phone call or email and refuse to honor what they said. So I've decided to close my account and would advise everyone not to do business with
Pnc bank

I myself am not a customer of PNC bank and never will be after watching what they did to my brother.
My fiance went to Jail for child support. I contacted my brother who is in Afghanistan Fighting for our country to help get her out. He then contacted his wife who is in Washington. They have over 20, 000.00 in their PNC bank. They attempted to do a wire transfer online to my bank in the amount of 1400.00. It was declined by their bank. They then called their bank and asked what was going on. Nobody could tell why the money could not go through. They then authorized the bank to withdraw the funds from their account and send me a check for $1400.00. The bank informed them that I would have it in 3 business days. After the 3 business days passed and no check was in the mail I contacted my brother. Again there was more communication with the bank. They said they thought it was a attempt at fraud and offered no resolution. Now my fiance who I am supposed to marry in 2 days is still in jail and the bank still has my brothers money. My brother is now opening a new account and changing where his pay goes. This is a smart thing on his part but still don't help my fiance or myself. Thanks PNC.
I would never recommend this bank to anyone. Emergencies happen and that is why you save money. When it happens and you can not get your money it is useless. It would be the same if you did not have it. The bank is the only one who bennifits. If you want a good bank try Regions.

After explaining to the man that I had 2 repos and credit cards in collections as well as a bunch of medical bills and other things from years ago, he said if it wasn't in the last 2 years then and there wasn't a bank ruptcy then it would be fine and he said we would qualify. I told him I didn't believe him and he assured me that they do this all the time and that they did the same for others just the other day with bad credit so I did it. After filling out their pack and sending it back I thought they would work with us to get something done. Instead they just gave us the 800 number to apply for a credit card that we already knew about. We thought this was ridiculous and called them back and they assured us that they would not give us the name of a bank that would not accept us. So against my better judgment we applied. Two weeks later the rejection came in the mail. I feel like I've been suckered.

I put a stop payment on a large check coming through on my account. I was reassured my the man helping me that I had nothing to worry about. I
Must of asked him a million times if he was sure because I hate overdrafting. And I have been cautious with my money. I go and pay bills as
Put gas in my car and food in my families mouth. I wake up
To see I have 8 dollars in my account with a 50 dollar gas pending. iCal to get help and the guy said who I spoke to before couldnt of know what kind of check I had out and it was considered a paper check, not electronic. And I began
My rants on how he assured me it was fine or
I wouldn't of spent a dime. All the guy could say was I would be covered and not have overdraft penalties due to the fact there was a pending transaction going though for gas. I'm irritated and upset by this. I know
Nothin can or will be done. But I thought people should be warned of such things..before they are forced to survive off of nothing.

Every companies success is based on basic customer service, which left National City when PNC "purchased" National City. I stayed at Nstional City because of their customer service, and I am leaving PNC because of their inept customer service. It is not a matter of if, but when this greedy short sighted company fails, but when. Watch for the time to jump into their stock, and short it, to make big money. They will fall, and with any luck for good.

PMC Mortgage must have a mentality equal to a monkey! They call six or seven times a day and I tell them the person they are calling dosent live here!They are so stupid they call day in and day out anyway. You could probably give the monkey a banana and get better results than talking to these idiots! You threaten to report them and they are so stupid they still call! I hope somebody calls these ###s at home and bothers them. I am surprised these people can remember to breath with the IQ they possess! Why does our goverment help ###s like these people?

I would like my escrow refunded cash-out 1:10 vs232 claim#:43757- account pin: *6419

Please know you are not the only one. I had a mortgage with PNC and all of the sudden they doubled my monthly payment! They forced me into escrow even though I was making insurance and tax payments separately. They decided to force their insurance on me which was the highest available of course. While in the process of refinancing with them I got a foreclosure letter out of the blue! I lost my house and truly HATE them.