PNC Financial Services Group
reviews and complaints

I just recently had my first complaint with PNC. A two party check that was suppose to come to me for the services I provided was sent to the other party listed on the check and they deposited it without any endorsement from them nor I and PNC deposited it. That is bull that they deposisted it without checking or just not caring. Now I have to go after the other party to try and get my money.

I have this problem right now. I use PNC (was with National City before these greedy ### bought it out)

Anyways, I had like $57 something in my account. I made a $3 puchase at Gamestop a few days before a $70 check (not really a check but a direct debit) came out. So, on the 29th, I looked at my account. The 70 had not come out yet, and the $3 puchase was still pending, even though it should have posted because it was pending since like the 26th. Anyways, I work overnights. I checked my account the morning of the 30th, around 4AM, still had the 53 dollars (57 minus gamestop puchase that was pending)

So i get home at 8am, check my account again, still positive $53. Go to sleep for a few hours, wake up around 1pm, and I am negative $16. That was when the 70 came out. I say "okay, Ill go make a deposit real quick." The teller tells me that my $50 deposit is instant, and brings my account to positive $33. She also said I shouldnt get any fees. This was close to 2pm on a saturday. Then, later that night, I get hit with 2 overdraft fees, because they are trying to tell me that both the $70 first, then the $3 came out on the 29th. Ummmm, I checked the day of the 30th and I was still in the positive. So did time elude me? And this all being on a saturday, they told me stuff doesn't really go through on weekends, so it really should have been monday that everything got screwed up. But fees will sure hit any day of the week...

Of course after going into the bank, they are sticking to their guns, saying that their systems shows them coming out the 29th. Of course it shows that, it's a program that was written to maximize fees, so it moves transactions around to do so. Then they tried to tell me to keep a ledger. How the hell am I supposed to keep track of my money when I am only paid every 2 weeks and they are moving transactions around to maximize profits? Basically, a ledger will do no good if they move a transaction to before my deposits. Of course there won't be money in the account to cover a transaction even after the deposit is made, not if they move credits and debits around. This kind of practice is to keep the people that ride the edge, having a few bucks in their account before payday, racking up fees to add to the 38 BILLION dollar industry of fees that banks collect each year. Makes me sick. Basically I told my ### of a branch manager to screw herself and send it to collections because I am not putting another penny in that account. Now its over 100 bucks in the negative, when it should be positive 33 bucks. They feel like I owe them! They owe me! Im gonna try to write a letter or call the CEO's office, I heard bank of america customers having luch with that.

and last, im gonna let them close my account and i will get one with a local credit union, or just use wal-marts visa card. $3. Can't go wrong with that. A bank fee is 10x that amount... and it's covered if its lost or stolen. Why even have a bank?

I am also wondering why there is not a class action lawsuit on PNC for their practices. Same thing here, plenty of $$$ in bank to cover $4.60 and $13.46 transactions on Monday afternoonwith my DEBIT? card but noooo, PNC posts those AUTHORIZED
transactions as "pending" even tho it states the following items have been deducted from your balance. Two checks came in Tuesday morning and all of a sudden I am hit with 4 overdraft fees. Their account dis-service reps cant tell you anything for 2 days. Tried to make deposit on Tuesday evening and was told, nope cant deposit a check my fiance had endorsed to me and then was also loudly told my account was overdrawn. The online
"services" also a big joke on consumers. The online banking site does NOT show the same order of postings/trasactions as PNC system so impossible to follow the liar on the phone who doesnt even attempt to assist. I emailed them with my concerns, what a surprise still no answer. I am in Pittsburgh and thinking of contacting local news to get a support network or complaint group public . Perhaps that will spur some action

I have to agree with this customer. I would not have believed it until my son today 11/18 just experienced a similiar situationwith PNC. In this case his new wife had an account at another back which PNC purchased, she had closed her account but somehow that did not occur (although no notification of an open account was ever sent), and today PNC without any authorization, and claiming that he signed some form, which they REFUSSED TO provide a copy of to him stating it was "an internal back document" and pulled over $400 from his account. First by law you must be provided with a copy of any document you sign. Second, how is it that PNC can pull money out of an account without any notice, and based on someone elses account. Additionally the staff at the branch in Western PA, namely the manager, actually made the statement that sometimes you don't know the type of person you marry and what they may be hiding in their closet. What type of comment is that, and how can a bank just pull money out of an account without any notification, especially when it is not that persons account. Had the two banks merged PNC would not have every been able to do this. What bothers me the most and why I have advised my son to see if there is any way to open a class action suit is signing a paper, which you are then not permitted to have a copy of. How does he know it is his signature.

MD FITZ. when will u stpo whining like a little kid for your own mistakes and take action and stop blaming others, how stupid do u have to b not to understand when you spend 100 dollars in your account, if its pending it does not mean u didnt spend it, it means that the 100 dollar is being jkept by the merchant to where u made the transaction. dont be stupid and come here and blame others for ur stupidness please. simple as this, u have 1oo dollars in your account u go spend 80 somewhere. that leaves you with 20 dollars available in your account, now maybe that merchant will not present a receipt to the bank so the bank will hold the 80 dollars u spent in pending, so u dont respend the 80 again, and it will tell you that u dont have 100 available, now if you go spent another 50 or take 50 from atm, sure you are going to get a fee for that, because you dont have that money in your acc, stupid, take a math class. and read about banking before u open an account, and read the f*&^%* accoutn agreement ...

id have closed my accounts near the end of the busines day and told them to give me all the money in cash as yo charge a fee for checks. then, if the money is a large sum, sit there and count it out with you losing count several times as you went through the stack of bills. Even unbanding any bundles of bills that show how much is in each stack. I got ticked at a bank years ago and closed an account right before closing to the ammount of 78, 000.00. the bank said they may not have that much cash and i said i didnt care since i knew they were requried to have much more than that in vault cash as per banking regulations. So, after about an hour post closing time and watching the branch manager and head teller getting really really ticked off to my satisfaction i left.

They also expressed concerns about my leaving with that much cash and i lifted my shirt to show them "mr baretta" and they went ballistic saying that guns were not permitted in banks and i snapped and showed hem both my ccw permit and also my law enforcement badge as i was at that time a federal officer with the nationa park service. I told them to be my guest and call the cops but remember those of us in law enforcement stick together

all banks in america share the same practices. Also it does not matter that you have a direct deposit coming in at midnight, the fact is you DID spend money that was not in your account - and thats illegal. In addition all those fees and practices of PNC (and every other bank) are listed in your customer agreement when you sign up for an account, so if you didnt read the agreement thats your problem. They have every right to charge 36 dollars per item, you are essentially taking out a micro-loan from the bank every time you overdraft, with no prior consent from the bank itself. Learn economics before you blather on.

PNC Bank LOVE$ to screw their clients. After 30 years of banking with them (they purchased my previous bank) I've decided I have had enough. We are in a recession and people are going through tough times. Compiled with the business practices of PNC it can really hurt a struggling family trying to make it in today's times. Here's how their little blood sucking of their CUSTOMER$ works...They let items sit for days in pending status but already take the money out of your account, ~ YET STILL PENDING and then just like a vulture on the day you might be as little as $2.12 negative, they will let your pending transactions that have been sitting for 1-5 days hit your account ~ then wham they have NSF charges of $38 a POP! When you call to discuss with them an overtone of a snicker comes out (PNC Hikes Point - Louisville, KY) and they tell you..."You shouldn't have written that check if you didn't have the money". Even though you have an automatic deposit from your company getting ready to hit your account at midnight, they will conveniently let a transaction come in about 11:45 p.m. right before your weekly automated deposit hits and then for 15 minutes you were overdrawn so let’s charge our customer $38 for each one, could be as little as $2.00 they’ve been sitting on! This is just one more creative way for PNC Bank to stick it to their beloved clients! Good luck screwing your clients PNC ~ the old adage "What Goes Around Comes Around" will surely catch up with you!

Thank you for your business!

Kelly

I have been going through the same thing, except my divorce was finalized in Jan., 2006, and I still haven't received the settlement the judge ordered. Like you, I have now hired my 4th attorney trying to get my assets. This attorney has had my case for 14 months and we can't seem to get a court date. I have copies of forged documents, papers proving my ex-husband received $900, 000. towards equitable distribution, but that wasn't even listed on the decree. My husband had been living with another family for 2 years(telling our family he was traveling every week for 2 years, when all along he was living and providing for his girlfriend and her 2 sons. My attorney during the divorce never asked for any of my husband's accounts, never asked him for proof of what he had spent on his girlfriend while we were married, nor did he have to turn over any information about assets that he did not declare. I have lost complete trust in the legal system, because when the truth about a divorce is the one with the most money-wins. My ex-husband has done so many things that are illegal, I can't even begin to list them. He has now spent all the money that were in the accounts the judge awarded me, sold a home that the judge ordered him to put in my name, and yet his attorney said if I didn't pay the taxes on the sale of the property $168, 000.00, he would have me incarcerated for 6 months. That was the fifth time he has threatened to put me in jail, and I am the innocent party. Now, they are just playing the waiting game, because if something isn't done by Dec. 13, 2009, my ex-husband won't have to pay me anything. I am worn out from the battle, when I wasn't the one committing adultry, if you have any information that could help me, PLEASE forward it to me. I am running out of time.

They are many companies that are legitimate and can help homeowners stop foreclosure and keep their homes.

Mortgage Assistance Group is one of those companies that holds an "A" rating with the BBB and has help over 500 homeowners keep their homes.

They give a discount to the homeowners who have been scammed and treat each client with respect and dignity.

You can reach them at [protected] and at www.mag-az.com.

Thanks and good luck,

Randy D.

P.S. If you know someowner they can help, They will pay a $100 referral!

We have been working with national City Mortgage Dayton Ohio for a loan modification since february 09, it took them 7 months to send us a letter telling we did not qualify. When our attorney who is also working on our modification process asked why they were told that the value of the house did not meet the loan to value crteria set in the Obama plan. Afterwards we tied again and they now say that the Obama plan is not a solution but a mere temporary fix. We were told that they would modify our loan by extending it 10 years and paying more than the origianl amount. We asked what was the value that they set according to the market in our area and we were told tha our home was worth 209k which is within .99% of the loan to value criteria. Why did we not get the modification? Beacuse National City Mortgage Company does not want to give up anything andthey want that upfront money they ask for as "good fatih" money. We have been told that o lawyer will get them to lower their interest rate or payment and that they did not know anything about loan modifications. How does this make me feel? Not very optimistic.

I have had a horrible time with National City...who foreclosed on me into the middle of a workout package.
Now I am hiring an attorney.. You need to immediatly go to state agency who specializes in helping you deal with banks...and save every document that you send and get from them.I do not know where you liove but I would get on it asap

I am so sorry to hear what happened to you thats why I'm on here trying to make a difference and maybe help more people save there houses. These damn government programs aren't helping out anyone out but the lenders themselves. I recently did a loan Modification with the Al Verdi Law Group. They walked me through every step of the process from start to finish, I was very fortunate to find such a wonderful company to work with. If I may recommend any company to do your loan modification I would give them a call, they did my entire loan modification in exactly 47 days and anytime I had a question they were very responsive in getting right back to me. Its unfortunate there are so many bad company's out there, If anyone comes across any other bad companies please post because no one deserves to get there house taken from them. You can contact them at [protected] The gentlemen I worked with name was Cale Swanson.

Thanks again Al Verdi Law Group

As an experienced Loss Mitigator with a wealth of mortgage servicing experience I can for sure understand the frustration you feel while waiting for Loss Mitigation assistance. I'm not sure how much you know about the mortgage industry, but when your loan is originated the lender (in your cases, NCM) sells your loan to an investor... such investors could be Fannie Mae, Freddie Mac, Ginnie Mae or other private lenders such as Wells Fargo, B of A etc. Lenders do this to make money, because afterall that's what they're in business for. When it comes to servicing, the lender is required to follow the investors guidelines. In regard to Loss Mitigation, such guidelines are put into place to protect the homeowner, servicer and investor from future default. In the economic market we're in today a numerous amount of loans were originated by brokers who qualified homeowners that really couldn't afford the loan. So to help stabilize the market many investors have became very conservative with their Loss Mitigation guidelines. The process was very timely to begin with, but then you add more stringent process requirements put into place not only by the investors but mandiated by the government and on top add millions of homeowners requiring assistance all at one time. Then, on top of that add a brand new program created by members of the treasury who have no servicing experience. What do you end up with? A HUGE bottle neck! Instead of filing complaint after complaint with the servicer, contact your congressman about the ridiculous Making Home Affordable Program, better known as the Obama Modification. Regardless of the servicer or investor the program is nearly impossible to qualify for... and even if you do qualify, you're just setting yourself up for future financial problems. The review does not take any expenses into consideration... it just looks at your income to see if your current mortgage payment is less than or equal to 31% of your gross monthly income. First of all, who operates their monthly household budget on gross income? If you're current payment is above 31% of your gross income, they will lower your interest rate to a minimum of 2% (which sounds great, but it isn't fixed for the life of your loan) They'll extend your term to 480 months and then if it's necessary they will forbear part of your principal balance. Meaning that you're not paying on a certain portion of you mortgage. You're not gaining interest on it, but if you sell your property or pay off the "active" portion of the loan, you then have a balloon payment of the remaining balance. (Have you started to see what I mean about the program?) Unfortunately the Making Home Affordable program is set up to require TONS of documentation and most investors require that program to be reviewed prior to any other options. So what happens is you sit in line waiting on the HMP program review, you don't qualify because you didn't send some ridiculous piece of documentation or you're already below 31% because you're real problem is an increase in your monthly expense. And in the mean time you've fallen further delinquent which could result in you not qualifying for any other Loss Mitigation options.

In my personal and professional opinion, if you're in need of hardship assistance opt out of the Making Home Affordable Program.
Research Loss Mitigation... find out from your servicer who your investor is and then visit their website to find out what their requirements are. The process in a nut shell is very convoluted, but if you do your homework you'll begin to understand the lingo which in turn will help stream line your review.

From working one on one with borrowers like yourselves, it's often hard to understand why this process takes so long... and it may even seem like the mortgage company is trying to take your home. TRUST ME: That is NOT the case. Mortgage companies and investors all over the country are bleeding and trying to hold on to as many borrowers as possible. Servicers get incentive from the investor to resolve delinquencies, not foreclose.

I hope this bit of information has helped. Find a person like myself at your mortgage company that you can buddy up with who will get you answers. Trust me when I say there isn't anyone who works in Loss Mitigation who wants anything more than to help a borrower stay in their home.

Hell0 Gerald,

My name is Joesephine. I am from Ft. Worth, TX. I signed my loan with National City Mortgage in 2004. They started me at a fixed rate of 6.4% which my husband and I were very happy with. We almost thought it was too good to be true because of some dings on our credit. We figured since my husband made good money and our debt to income looked pretty good, that we were in good shape. We also felt like we were 'due' in a manner of speaking. Anyway, within 6 months our payment went from 1200.00 to almost 1800.00! Just like that, without warning. Now this was a fixed rate, right? So what in the world happened? Well my husband called and he was HOT! Initially his tone was very rough. he asked them to explain what had happened. Apparently there had been back taxes on the property that were not paid by the developer or something. We were told that there was nothing they could do but tack this amount on to the mortgage and that we would be responsible to pay it! We were outraged and felt totally taken advantage of.
Long story short, our realtor recommended the services of a forensic auditing firm. When she told me they had an 'A' rating and that the Attorney General had agreed with the results in one of her homeowner's audits, that was enough for her to recommend the company. The company performed a forensic analysis of all of the homeowners documents and had found multiple violations and fraud. (Yes, we are talking about National City Mortgage) The homeowner utilized the services of TILA (Truth In Lending Auditors) out of WY. Anyway, they used the violations in the loan as leverage to basically strong arm the bank into giving better rates, terms and essentially re-writing the loan. This is the same thing TILA did for us. They compiled the evidence in less than a month and had the loan modified in about 45 days. Man there were some doozies in there! My husband and I were tickled because we also got a principal balance reduction of 7275.00! We had started with an interest rate of 6.4%, but worked out a 25 year fixed 4.15% rate for the remainder of our years. It was nothing short of amazing. I almost fell out of my chair when my husband told me the news. We were also told that we would probably not have received a look from our bank with a traditional loan mod company doing the work, because we didn't really have any leverage. TILA created that leverage. They were also professional, courteous and caring. Their staff were genuine and always returned calls and e-mails. It was a small price to pay (1650.00) for the return we received. In fact, we recommended our parents look into their services and since mentioning them, my dad signed up immediately when he heard what we saved.
If you are still in the same situation with National City, I recommend calling them. Within the first 20 minutes on the initial call with them, they made us feel in control of our situation.

A happy ending for once!

God Bless.

Josephine.

Hello Carol in Quakertown. I too have experienced very similar if not identical situations as you mentioned! Dealing with National City Mortgage is like trying to paddle a canoe up river with a bathroom plunger! If you all out there know what Carol and I have gone through. Many of us accross the country I am sure have been a victim of National City Mortgage's failed attempt in using part of the billions of dollars originally supposed to help families out there. We have been "Punked" for real! Is National City Mortgage executives this dumb?...I don't think so! Quite the opposite...they know which loans to foreclose on! ALL of them! They have not helped very many if any and are getting richer. Wouldn't it be interesting to see their salaries and bonuses they have been enjoying with the bailout money? They did a good job of bailing out only themselves! I could not agree with you more! National City Mortgage should be worried about their criminal behavior if I were them! Many people are now taking this to a higher level. Hope things work out for you there in Pennsylvania! I set up an email just for this purpose to hear other stories and communicate and ban together to fight NCM. Kind of reminds me of the movie "A Bug's Life" where the little ants realized that in numbers they could make a difference and joined together to fight the grasshoppers!...in this case NCM! Anyway, would like to hear what steps you have taken how things are turning out.

Gerald
gjv420@gmail.com

National City foreclosed on me after saying that they would postpone. I filed bankruptcy as a last ditch effort to protect my ownership. They sued WITH the new buyer (because the government gave them all that money so they could afford as many as three attorneys at once in court against me and my single attorney) to enforce the foreclosure sale and eventually won. I am still in the property (Feb 10) but facing eviction now from the new owner. Does anyone have any information about the succession of businesses that have been calling themselves National City _ _ _ _ _ during the eight years of my ownership and whether this has any bearing on the correct entity's right to foreclose? Write: peter_medal@yahoo.com Thanks and I pray you are more successful than I have been in fighting against this unjust unlawful taking.

(Is this a used car sale?) ... HAHAHA...you didn't have to go there!

PNC Charged me illegal fees and I just filed a complaint twith the Office of the Comptroller. They had the gall to charge overdraft fees when the account was NEVER overdrawn. They said that only part of my deposit is available the same day. When a bunch of bills came due on that same day of my deposit, they charged me 4 - $36.00 fees. They are insane if they think anyone is going to stand for that.

I happen to agree, with these negative reviews. It doesn't have anything to do with monitoring your account. That goes without saying. When a customer makes a purchase through a seller, not receive all the merchandise, that he or she order. That's a problem within itself. I provided PNC with proof that I never receive the remaining of my order, and produce document to support my claim. PNC still reverse the provisional credit out of my account. Now, fees have access to my account. I will get to the bottom of this matter, by going into a branch with my documentation. If they decide, not to further resolve this matter, I'd take further action against them. Also, I stop my direct deposits and other monies from going directly to that account. Unfortunately, I can’t close the account, until the balance is at zero. I just receive a claim settlement. Fifth Three was improperly assessing overdraft fees for the same foolish reasons. Now, they have a lawsuit pending against them. Fifth Three denies all of the claims. These banks specialize in ripping customers off with these ridiculous fees. People need to read more about these bank reviews and other related resources before banking with these entities. PNC customer service and dispute department is unskilled; they don’t have good customer service speaking skills either.

I was doing some research and there is a website www.federalreserveconsumerhelp.gov. It shows you step by step how to file a consumer complaint against a bank. If as many as we consumers make complaints to the Federal Reserve as we have this website, perhaps things might change, and as a few mentioned, 'PNC Bank may get what they deserve'. We need to make 'em bleed some green, and gives us our money back!

My sentiment is...PNC SUCKS. That is the search term I used to find this website. How ironic!
Since National City Bank has become PNC Bank, we have been charged overdraft fees in the amount of $864.00 in the past five weeks. My husband is laid off, so they are basically stealing from the Government. These are unemployment checks they are deducting these fees from mind you. The concensus seems to be that PNC Bank is charging overdraft fees for items cleared even though deposits of checks, and cash are pending as well. I am sure there must be something we, as consumers can do. Banks used to protect your money so they could make money, now they steal your money so they can make money, and they do it right in front of your face. We are closing out the account immediately. We have been customers with National City for over 10 years. Now it seems that credit relationship has been disolved. I hope all you others do the same.

i agree 100% in my opinion pnc banks so called overdraft protection sucks out loud i think its time for people to take a stand ! i faxed a letter to my bank stating i was going to start sending out flyers within a 25 mile radius of the bank stating warning do not bank @pnc bank they will steal your money in excessive over draft fees and then i added this web sit info WWW.pnc bank excessive over draft fees.com my next move is to picket ! the only protection i need apparently is from my freindly neighborhood bank!

PNC doesn't post all information on online banking - so that if you make a mistake and forget to write in a check - they charge you 36.00 for the mistake (which is ok) but then they bounce everything else that comes in that day @ 36.00 a pop - it is definitely a racket that needs to be addressed - if they paid all of the others first, there would be enough to cover, but they pay the check (which never did show up on pending transactions) and wack your account for everything. I'll be looking for another bank.

I love how people want to complain about the banks when it is YOUR own fault for not keeping up with your money. If you need an accountant, hire one..otherwise suck it up, pay the fees (because I hate to break it to you but every bank charges overdraft fees) and try to keep better track of your money.

I agree with you...I am in the same boat...I PRAY That GOD gives them what they deserve! Taking advantage of people especially when they see the average balance on your account is little to none I am not a millionaire...Don't take from the poor and give to the (ROHR) I mean the Rich..If I knew where that Jim ROHR CEO lives I'd look into his account I bet he has no negatives and he got food on the table everyweek I dare him to come live in my shoes for a week...THIEVES that will kick slap and beat you when you are down!

They are many companies that are legitimate and can help homeowners stop foreclosure and keep their homes.

Mortgage Assistance Group is one of those companies that holds an "A" rating with the BBB and has help over 500 homeowners keep their homes.

They give a discount to the homeowners who have been scammed and treat each client with respect and dignity.

You can reach them at [protected] and at www.mag-az.com.

Thanks and good luck,

Randy D.

P.S. If you know someowner they can help, They will pay a $100 referral!

Same crap happened to us after we paid our 6 year new home mortgage on time for 4 years until I lost my job and was unemployed for a short time which caused me to be a "slow payer" and get behind. When I regained employment, the stock market downturn hit and since I was behind on everything else, I had some major financial catch up to do so I submitting tons of paper work to the lendor multiple time via FAX per the preference - they don't offer alternatives and they kept telling me they didn't receive my info. I performed every step they asked me to on several occassions over the course of a year and they kept offering me higher and higher payments. When I researched the Obama Affordablity Housing program and learned I pre-qualified, National City disqualified me stating the investor didn't participate - but clearly their website said I qualified. And getting a hold of them was very painful...long minutes on my personal cell phone during lunch hours at work almost daily...for weeks on end only to get no answers. Now, I've racked up my attorney fees, cell phone charges, my time, and obvious personal stress, which I should bill THEM for! Now I'm going to be forced to leave, have a crappy credit record for a short time, have to rebuild after I poured my sweat and blood into my home ownership. I've also tried credit counseling, attorney's advice, a realtor to sell the home, and almost got scammed by a company that wanted me to pay them to buy the house - later I found they were on the Attorney General's office Most Wanted List.

I don't know that I'll ever trust buying a home again. The advantages of renting a house, which I've recently secured from a private realtor, is so much more appealing now.

I agree with all the Complaints... National City Mortgage is Some Straight Bull-###! I Hate Those M.F. They Some Lying S.O.B... Straight out of Ohio? That's why They're whole city is at home watching the damn NBA ChampionShips They WILL NEVER... EVER! WIN A CHAMPIONSHIP IN CLEVELAND! I'M GLAD THEY GOT THIER ### WHIPPED! AND NOW THE COMPANY WAN'TS TO screw over its consumers! F** Me? No F*** You! I hope the whole company BURN IN HELL!