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PNC Financial Services Group
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2.3 292 Reviews

PNC Financial Services Group Complaints Summary

94 Resolved
198 Unresolved
Our verdict: Engaging with PNC Financial Services Group, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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PNC Financial Services Group reviews & complaints 292

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2:23 pm EST

PNC Financial Services Group misinformation

I called their customer service line on Sat. 11/22/08 to request a balance summary. At that time, I was informed that I had a positive side balance and they said nothing about anything pending at all. I made a small debt card purchase on Sunday (less than $5.00) and was hit with not one, but two NSF fund fees ! When I looked at my online statement on Wed 11/26/08 it showed the two NSF fees and a $80 balance. I contacted their CS and they agreed to refund the two NSF fees. When I checked on Thursday, they had refunded them but said there was a $69 charge that came thru and slapped me with another NSF Fee, even though there was $80 dollars in the account! I called their CS line, and they refused to refund this fee even though I have printed proof of the online statement from the previous day! I was also informed that they even charge you a $1.50 balance inquiry fee from a ATM! I tolf them that I was closing out this acct (it was a petty cash acct) and I would not be doing anymore business with tem. The CS rep acted like she did not care what I did. BEWARE OF THESE RIPOFFS!

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12:58 pm EST

PNC Financial Services Group fradulent charges refusal to remove

PNC Bank and their Visa cards are the worst to associate yourself with. They will not correct a fradulent charge on your debit card...I almost dropped my total association with a broker because of this bank. Do not do business with these people or do so at your own peril...this is the greediest bank organization ever!..my experience with dealing with banks over 50 years!

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6:30 pm EST

PNC Financial Services Group atm scam

I have had two problems with this bank. I'll admit I am not a customer (and never will be after finding out what their service is like), but I like to use their ATM to make deposits to another banking account that I kept when I moved, but is not especially close to me. The reason I like this ATM is because it will scan the deposited check and put it a copy of it on my receipt. A few months ago, I actually made an envelope deposit with 3 checks enclosed. In this case, I didn't have the benefit of the checks being scanned--because there was more than one I had to use an envelope. BIG MISTAKE. About 10 days later, my bank sucked the money back out of my account, and I was told that PNC claimed there was "no envelope". As anyone who has ever made an ATM deposit knows, nothing is credited until the envelope is inserted so that didn't even make sense, but the bank told me it could have also mean that there was nothing in the envelope. I tried to call PNC directly, and got nowhere. I just wanted someone to recheck the deposits for that day, or to check the machine to be sure it wasn't stuck in there somehow. More than anything I was worried about where the checks were and whether they could have somehow ended up in the wrong hands. Because I'm not their customer, they couldn't have cared less. They told me they wouldn't even address my concerns with me directly, that I had to file a dispute claim with my bank. I did that. They apparently still didn't care, and 30 days later the dispute basically "expired" because PNC never even bothered to respond. And I was stuck with the nightmare of how to deal with the missing checks.

The second problem happened when I tried to make another deposit. This time I figured I was wiser, and thought that if I just deposited one check at a time, I'd have the security of the face of the check on my receipt. But, what happened this time was unbelievable. I entered my card & PIN, the machine shows some kind of advertisement for PNC, and then asks which language, I chose English, get the ad again, and then a screen saying that the machine will charge $2.50 for a cash withdraw from my non-PNC account (another rip-off), but I figure I'm making the deposit, not a withdraw, so I hit OK. Then the machine tells me to take my cash! I NEVER ASKED FOR CASH. It spit out $60 (the typical "fast-cash" amount at most ATM's). I really needed that money in my account, not out of it, and I certainly didn't want to be charged $2.50 for the inconvenience. Now, I still have to make my deposit that I wanted to make, plus put the $60 back in. Needless to say, I'll be making those deposits elsewhere, because I absolutely will NEVER use PNC's banks, ATM's, parking garages, ballparks (sorry Pittsburg Pirates), restrooms, or anything else EVER AGAIN!

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Nathaniel Thomas Thompson
, US
Apr 02, 2018 7:20 pm EDT

my card account pin is 6419

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andrew32
2221 osborn dr, US
May 17, 2010 1:19 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

They doing whatever they can get you moneys . They keep charge so many fees and overdraft fees . They are intended to making more moneys as soon as possible . They charge me 36.00 dollars overdraft in three times in one day . That is ridiculous

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11:41 am EDT
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PNC Financial Services Group stealing my home

My husband and I decided that we would like to refinance our home in 2005. Pnc offered a great rate and we thought lets give it a go. Big mistake! First off our loan officer quit in the middle of the loan process, then they lost the loan application. When it was all said and done instead of rolling our truck and home together in 1 morgage they drew them up as 2 seperate loans and now we have 2 liens on our home. Last year after some set backs we got behind on our morgage. Fast forward to 2008 we recieved a letter from pnc that they were forclosing on our home. I called the loan center which is now called clc and was told "oh sorry it was a mistake it should have never happened". Ok the forclosure was pulled and we went on about our lives... Until 2 weeks ago when we recieved another letter that they were forclosing again! This time I called and spoke to yet another rep and was told "sorry my manager never got the e-mail i'll stop the proceedings" I then asked for something in writing. Ok sure I was told call tomorrow with the fax number and we will get it out to you. I called the next day and was told that he took our acct. To his supervisor I was told that they can do a beeter loan for us and we would need to send some finanical info to them and they can get started. Ok yea someone to help us. No! Here it 2 weeks later I have not gotten our written statement that the 2 forclosure was a mistake and now we are being told that we have to pay all the lawyer fees of said forclosure before they will refinance. Now we would have no problem paying these fees if they were our fault, but each time I called on a recorded pnc line I was told that they had made the mistake not us. I was told yesterday that a supervisor would called me to discuss this but I still have not heard anything. I called a housing counseler and was told we have a case if we want to file a complaint with the banking commission. I called yesterday and was give another number because pnc is a national bank. All said and done I filed the complaint they were happy to take the complaint by the way and still no call from pnc supervisor.

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G D
Lothian, US
Jul 29, 2011 9:59 pm EDT

At least they are just confused in your case. 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.

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6:54 am EDT
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PNC Financial Services Group fraud and scam

National city mortgage has this so called counseling dept. And they send you a financial form and a very nice brochure. All this gives you a sense of hope. Unfortunately, it is just a scam. I have been trying to get some sort of workout to keep my home as it is in an upside down loan. I was served foreclosure papers in july. I hired professional mitigators to deal with things as I can't get anywhere.

Everyone tells me the banks don't want your home, but national city seems * bent on taking it. They want me to pay the original mortgage or nothing at all. They keep citing deficit of income. They have not let me pay anything in over a year. I lost my job of 21 years and needed an adjustment. I am about ready to just give the home back. This is one dishonest institution. Plus they lose my paperwork and claim I never sent it.

I put $42, 000 down on this place and don't want to lose it. I am at my wit's end. My credit is bad now, but now I am employed (2 years) but I just don't make what I used to. I even filed a claim with the occ and they believed ncm regarding the lost paperwork. It's horrible and frustrating. I would totally like to sever ties with this bank.

I recommend to anyone to never finance with them. They are not out to help the homeowner and are dishonest.

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Ishness
Dayton, US
Dec 09, 2009 1:46 am EST

I respectfully disagree with your position. I'll be emailing you to explain how I might be able to help you should you still require assistance. I'll say for one thing, the "professionals" you hired were the worst thing you could do. Anyone who charges you for a modification, is a scam. Plain and simple. If anyone else needs free assistance with Loss Mitigation @ PNC and understanding the process, please let me know. I'll try to help everyone I can for free...

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charlie38marie
Marysville, US
Sep 12, 2009 2:43 am EDT

I agree totally with your complaint... similar things happened to me...they should be barred from ever being able to lend mortgages to anyone...and you gotta feel sorry for the peons that work there having to take away houses (under their executives orders) from people like you and I who had lost a job but are back on our feet and still can't keep our home.

What a crazy system the American mortgage lending institution is.

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abby Rodriguez
stockton, US
Dec 08, 2008 8:23 pm EST

I completely agree with you! Im in a similiar situation and I would love to be out only $42K. How does $280K sound?

They still refuse to refi me at current market value. Why not help us, the H/O who currenly live there and taking care of the house?

If we walk, they will be forced to sell the property to someone else at market value...why not help the current H/O?

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11:37 am EDT
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PNC Financial Services Group scam charges

PNC bank, among others, uses the predatory practice of clearing checks 'highest to lowest' first. This creates a huge profit capitalizing on small customer errors.

Example:

Account balance on any given day is $500. Yesterday, you used your bank card for $20 and say $30 and didn't enter the items in your checking account register (an error which I agree you should pay for, after all it is your mistake which will cause the following but it is PNC's greed which will exponentially raise the cost of your error).

At the same time those two debits are clearing a check which you wrote comes through your bank for $475. PNC now employs the predatory practice of what is called 'highest to lowest'. Here's how it works. By disregarding the order in which the debits are presented PNC formats their internal program to clear the highest presented item first and continue in that order until everything is cleared.

If by random chance the other items comes through first, here is what will happen to your account. Balance $500. Deduction $30 (cleared). New balance $470. Deduction $20 (cleared). New balance $450. Check in the amount of $475 (overdrafted) balance negative $25. Total NSF charges $36.

Here, instead the predatory way PNC calculates the withdrawals, disregarding the order in which they are actually presented but instead re-ordering them in the way most harmful to you and most beneficial to them. Balance $500. Deduction $475. New balance $25. Deduction $30 (overdrafted). New Balance -$5. Deduction $20. New Balance -$25.

So, because of their greedy, anti-customer predatory practices PNC has now manipulated your withdrawals to double the fees you were charged for your error. If you ask PNC why they did this, they will give you the continued repeated lie every bank involved in this process gives you. We take these out highest to lowest because the highest might be a mortgage and we don't want to ruin your credit or cause you any embarrassment.

BS!

The fact is, if your account is presented with a check for $475 which overdrafts your account $25 there is NO bank in the country which is going to return that check and cause you 'embarrassment' or 'ruin your credit'. NONE!

What makes this deceiving practice all the more detestable is this above stock lie they give you. Banks, wake up! You may be able to continue to lie to each other because you're all out of the same ilk (which is probably why none of you will lend any money to each other and we, the american people, have to go into our pockets to bail out your greedy ignorance) but don't underestimate the intelligence of the average american.

There are those of us that know exactly how you operate and this post is intended to inform even more.

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Jenf35
, US
Mar 28, 2012 11:06 am EDT

Can someone please tell me how I get a hold of Verizon Pen-it is showing on my credit report and I paid it over a year ago. I cancelled my landline and they evidently assigned me aother account number but never told me about it. I never received a bill until it went to a collection agency as soon as it was explained I went and paid it and now it is showing on my credit report paid but for pay status it is showing Collection/Chargeoff does any body have a number I can call to get status to show settled-it really messes your credit up when it shows up as Collection/Chargeoff. My email is jenf35@verizon.net.

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Jean Calder
, US
Mar 28, 2012 11:02 am EDT

I just went into a PNC Bank that is right across the street from me. Yesterday I asked for a check to be made out-she did that, then that night I had to open it and ripped the check-which is definitely my fault.But today I took the chek in and they said they needed the receipt, I called yesterday so why didn't they tell me then? When I was there I wondered why they wouldn't ask the person who had signed the check.I had to go back. Today I was calling about you doing it at every branch when on your answering service it asked for my ID # it should say 9 digit so I won't get confused, it asked a second time for a number I thought it was talking about my 4 digit # it wasn't- again it should say 9 or 4 digit # so I won't get confused.When I finally got thru I forgot what I was calling about.I was wondering if the receipt had to be sent to home office, is that the reason? Another thing why don't you have a Debit machine there for
the customer to use? Oh, and I do get confused-so please don't get me more confused, Okay? This branch is 11700 East 15 mile Sterling Heights Mi. I really like their personalities so please Don't change thir positions. Sincerely Jean Calder-I have to take a bus to get to other banks

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G D
Lothian, US
Jul 28, 2009 3:33 pm EDT

PNC Bank has many more predatory practices. They charged me more than $100 dollars claiming that my account was overdrawn because of a PENDING charge (a charge that never came through). They also took money out of my account to pay a loan that I have with them WITHOUT MY AUTHORIZATION.

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12:21 pm EDT
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PNC Financial Services Group rip off

I often "pay forward" on the mortgage, making two payments at once so I can skip the next month. There is no financial advantage to this, I just hate paying bills! In September, I sent in 2 payment coupons (for September and October). Unfortunately, my math was wrong and I underpayed the second month by $200. Now it turns out that National City did not even apply the $900+ toward the October payment because they "don't take partial payments." Nor did they send the money back to me... it is just in limbo. It should have been applied regardless of whether it was the full amount or not. National City has had the use of my money for all this time, without even applying it to my loan. RIP-OFF.

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knowledge18
Springfield, US
Apr 11, 2010 11:17 pm EDT

It's written in your mortgage note that the lender cannot accept partial payments under any circumstance. The limbo you're referring to is called a suspense account, which does not accrue interest, nor does it subtract anything from your balance. Typically, depending on the specific investor guidelines, the funds are held there either until the remaining portion of your payment is received or after passing of several days/weeks. I assure you this is not fraudulant or a rip off... it's stated in your original mortgage note that you signed when the loan was originated. If you're not sure, contact the customer service department and request a copy of your security instrument.

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11:35 am EDT

PNC Financial Services Group what customer service?

We bought a home and moved in May 2017 from a home that we had financed with National City. After over a year of carrying 2 mortgages because our home didn't sell we went to National city to see if they would refinance for us and take our 15 yr to a 30 yr to lower the payment to help us until the house sold. they wouldn't help us. so in Jan 07 we did a deed in lieu of foreclosure (after losing over 40, 000 and giving them $16, 000 in equity). it took 9 long months but was taken care of in Sep 07. we went to get a loan for our daughter to go to college last month and the national city loan was still showing open and dilinquent and they denied us the loan for our daughter. then i find out from a friend who works at that rotten bank that the amount they sold the house for and the amount we owed they are going to keep open on our account, and I have a quit claims deed in my hand. why on earth would we have ever done a deed in lieu of foreclosure if we would be held accountable for that money. now here i have been trying to lodge a formal complaint against that bank and can't get anyone to help me for the last week. If I could find a lawyer to sue that bank I would because they have defamed our character and have totally been unresponsible about helping us get this resolved. I normally don't do anything like this but I am totally frustrated, mad, angry and needed to vent.

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wendysisso
North Bethesda, US
Feb 23, 2009 9:40 am EST

My father inadvertitly missed his January payment, but sent it in with his February payment. So on February 11 we started receiving calls twice a day from NCM company. My father told them he sent it out and that he was aware that he missed the January payment, but he included that as well. The calls didn't stop. Of course they said "ok sir, we'll make a note on your account". The next day, they called again. And again, and again. My dad went to his bank and got a print out of the $3000.00 cleared check and faxed it to NCM company. We're still getting 2 to 3 calls a day and each time they're going to make a note on the account. That company is a joke. He's been dealing with the harassment for a week and a half now. This has stressed my father out to the max. It's absolutely ludicrious to me that a company cannot locate a payment that has been processed and has cleared the bank, not to mention the service is in shambles.

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Tim Adams
Keller, US
Jan 02, 2009 1:28 pm EST

I closed a loan on November 4, 2017 and our loan was fully funded 2 days later. As part of our closing we were required to pay off our Taxes, then National City Mortgage would refund us the amount that we had in our Tax Escrow account (a little more than $5000). The law states that the Mortgage company must settle all accounts within 30 days, so we waited until mid-December and when we haven't received our check we called. The customer Service Rep said that our Check was just sent (December 15th) and we should get it within a week. I asked if they could sent it Next Day Air (at my expense) and they said they would.

Christmas came and went, no check, New Years came and went, no check. I called today Jan 02, 2017 and the customer Rep said that the check was printed on Wednesday.

The customer service rep admitted that they are in violation of the law, but I pointed out that I have been lied to on several occasions, that the check was " in the mail" and that they would send it "next day air".

I am going to pursue legal avenues but wanted others to be aware.

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Robert
, US
Jan 16, 2009 5:45 pm EST

You will not be held responsible. Because the courts view the lenders interest in the property, they can not come after you for losses.

Do not worry. You can challenge the item on your credit and they have to remove it. If they don't, you can find a lawyer who will sue them for violations under the fair debt credit and collections act.

Good luck

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12:00 pm EDT

PNC Financial Services Group adverse practices

National City Mortgage has an outrageous and adverse practice of cashing a mortgage payment check, withdrawing the funds from the payers bank, then holding the funds for about a month, then sending the funds back by check to whatever address they have on file, then declaring that the account payment is overdue, and applying late fees, taking adverse credit reporting steps, etc. All this because they change the escrow payment amount, and if the payer does not get notice or make adjustment in payment, instead of showing a deficit in the escrow, they refuse to apply the payment at all!

This is about as insane a policy as I can imagine; they did it to me two years ago, and they have just done it again. I've asked them to contact me by email, but they refuse to do so.

This bank deserves to go broke and be taken over by a management that hopefully will be more customer friendly!

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knowledge18
Springfield, US
Apr 11, 2010 11:21 pm EDT

Once per year there is an escrow analysis completed on your account... this can cause your payment to increase. If you do not receive notification of this change, the payment you send in will be short which in turn it will be eventually returned to you. It's written in your mortgage note that the lender cannot accept partial payments under any circumstance. The payment is placed in a suspense account, which does not accrue interest, nor does it subtract anything from your balance. Typically, depending on the specific investor guidelines, the funds are held there either until the remaining portion of your payment is received or after passing of several days/weeks. I assure you this is not fraudulant or a rip off... it's stated in your original mortgage note that you signed when the loan was originated. If you're not sure, contact the customer service department and request a copy of your security instrument. Also, you can discuss an annual date of analysis to help anticipate changes to your montly payment.

Hope this helps.

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10:20 pm EDT

PNC Financial Services Group Unethical / deceptive business practices

I obtained a home mortgage with national city mortgage in 2003. We had never missed payments, nor did our homeowner’s insurance lapse. After the birth of our son, I have been unable to work for several reasons, mostly health related. My husband is still working, but it is not enough to even cover the bills. This has created a huge financial stress on us for the last 20 months. It has taken all that we have and borrowing money to even make our house payments. Our homeowner’s insurance also lapsed, (which we knew we were required to have) and have been trying to get the funds together for that next.

I had called both national city mortgage’s customer service department as well as their counseling department regarding our situation to see if modifications could be made to our loan where we could reduce the payments to where they were affordable. They had indicated at that time that they could not work with us to lower the payments. During this time, I had also received letters from national city stating if I did not re-instate my homeowner’s insurance, that they would obtain it themselves. Each month, I would be hopeful that we would have the money for the insurance, but it never worked out because we barely could even get together enough for the payments. As I called national city about the payments, I would also talk to them about the insurance situation. It was obvious they knew we were in great financial distress, due to the recent payment history and the mere fact that I was frequently calling their counseling department. I had asked the representatives on several occasions, “has national city taken it upon themselves to obtain insurance yet”? The response was always “no, but you need to get your own together soon”. My response was: “thank god they haven’t got it yet; we are still trying & should have it soon”. I was told this in both 2007 & the first part of 2008. This would lead one to believe that nothing had been obtained and therefore, we still had time to get our own. It also would lead one to believe, if nothing has been obtained yet, there is nothing extra to pay for.
*especially* because we had received no documentation whatsoever of proof of an insurance policy. Usually, one does not expect to pay for something until after it is obtained.

Then just march the 6th, 2008, I received a letter dated 2/13/2008 that I was expected to pay over $5800.00 for insurance coverage that I supposeably “have had” since 4/20/2007. But as of a letter I received dated feb. 5, 2008 they were still asking for a copy of my insurance policy. Which again, leads one to believe it had not yet been obtained. When I read this, I called national city immediately. I spoke to charmaine anderson, customer service supervisor. I told her how deceptive this was to be told over & over again by both their customer service department and customer counseling departments that “insurance had not been obtained yet by national city” and never receive any proof of any policy at all, then miraculously out of the blue, I am sent a copy of the policy a year after the fact (backdated) and worse yet, the payments I could not already afford raised even higher to pay this bill (which is totally inflated anyway - regular homeowner’s insurance should be about $1600 per year – their amount was $5866.71). Instead of simply adding it to the “back end” of my loan, they remodified my entire loan without my knowledge and charged $1200 extra in additional fees to my loan to pay for this. I understand we needed to get our own insurance, but I was led to believe it was not obtained yet by national city, nor again, did I have proof of such until after the fact. The “proof of insurance” is even dated 2/13/08.
Ms. Anderson told me that if they don’t receive my new “modified” (higher) payments (with the insurance payback portion included) that she would not accept the payment, mail it back to me, & I would face foreclosure.

I reminded her about government legislation that has been passed to help homeowner’s in financial trouble and these kinds of practices are what is costing people their homes!
I told her I wouldn’t have consistently called customer service & customer counseling if we were not in financial trouble. I had expressed that to them many times very clearly. I also wouldn’t have kept asking about the insurance over & over if I had any proof or documentation the insurance that already been obtained!
The matter in which this insurance was obtained is totally deceptive and unfair. Specifically, I am requesting national city to provide several things..

•1.) show proof of my signature where I authorized them to modify my loan without my knowledge or consent
•2.) show proof of my signature where I gave them permission to tell me for a year insurance had not been obtained yet, then backdate it and charge me for it.
•3.) knowing from my many phone calls to customer service that we were experiencing financial hardship, why they did not simply add any fees to the back end of the loan so it would not have cost us $1200 in additional fees & upped our payments even higher from an amount we were already having trouble with anyway.
4.) prove that they spent that money and there was really coverage during the time they are trying to charge me for, because over & over I had been told it had not been obtained. And again, up until now, this is the first i’ve heard or seen of the actual policy.
5.) explain why I was not informed back in 2007 that they had already bought it rather than: “they’re going to if I don’t get it soon’. They even had sent a letter stating: “they still needed proof of coverage”.

I believe they are very likely charging us fees that they really did not pay, nor did we have proof of their coverage for the entire year of 2007.
What if we had a claim?
Fortunately, we didn’t. But the point is, we had no knowledge of it at all.
Again, I wouldn’t have consistently been asking their customer service department about it otherwise! Not only am I requesting these modified loan fees & the backdated insurance fees removed altogether I want my house payments lowered back down not only to what they were, but we still need help in getting them lowered in the first place to where they are affordable and we do not lose our home!

I can understand being charged for insurance from the day they obtained it for that current date forward (& it added to the back end of our loan due to financial hardship) but the manner in which this has all taken place does not seem ethical or legal at all. We would greatly appreciate some proof and clear cut answers as well as any feedback from others who may have also experienced problems with them & what they did. As of this point, our original complaint letter has been completely ignored by national city mortgage.

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MissyK2
Accokeek, US
Oct 01, 2009 9:26 am EDT

Reading the aforementioned statments is so sad. I too have a mortgage with NCM and I am aware that they are not working with homeowners. I have a friend going through Foreclosure with them as well as friend doing a deed in lieu of foreclosure. I am waiting to hear how much my repayment plan will be... if they honor it. I have written several letters including one to the CEO. I am just now getting several responses from them but none to a resolution. I am getting the news media involved and sending copies of my letters as well as this website to the White House and the Congressmen in MD/my district. It is ridiculous the NCM is not helping their consumers. Other banks are helping, why won't they help? They have only modified 4 loans since the beginning of this crisis. The President (Obama) has threatened to intercede if they do not start helping homeowners. I want to help get the ball rolling with that. I work too hard for my home and I plan to keep it. We need to stick together, write letters, make phone calls and complain. There is strength in numbers and we can do it together to bring this situation to the light.

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Ready to give up
, US
Sep 04, 2009 11:33 pm EDT

My sister is just about ready for a nervous breakdown because of National City Mortgage. Due to several operations, illnesses, and her husband losing his job, they fell behind one month on their mortgage payment. The next month they sent in a payment, hoping to later make up the one they missed; yet not wanting to fall three months behind and get a foreclosure notice. National City Mortgage RETURNED their mortgage payment, uncashed, to them! NCM told my sister, "We want TWO MONTHS PAYMENTS! WE won't accept just one month's, when you owe for two!" This sounds insane to me. It almost seems as though National City WANTS to force people into losing their homes. When my sister begged them for time and asked why her check had been mailed back to her, NCM replied, "It's in the original mortgage contract you signed. We have the right to collect ALL payments due." So, here is a poor couple, desperately trying to stay one step ahead of losing their home, and the mortgage company refuses payment! Has this happened to anyone else? It took National City several months to send paperwork for my sister to try to re-finance at a lower rate - and once she filled out the several hours' worth of papers, it took NCM three days to tell her "she doesn't qualify." I would like to see a government investigation into these heartless, greedy liars.

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chatty
, US
Jun 07, 2009 7:51 pm EDT

I too am only one payment behind due to a 20% cut in pay since the beginning of the year. I called NCM to let them know I would be sending a payment this week and then another in two weeks. I was told by someone in customer service that to "accept" that, I would need to go over my budget with them and come up with a payment plan. I explained that I wasn't asking anything...I was telling her what I was going to do which was all I was able to do. Of course, she wouldn't agree so we hung up. I received some papers in the mail to fill out, showing my expensees, which I threw away. They called our home 7 times today while we were out...this is Sunday, June 7th, and when I did get home and answered, I told her again I would be mailing a payment tomorrow. She got very nasty and told me they didn't have to accept it and honestly, I almost cussed her out. I was thinking WTF? Do they want me to not pay? I don't get it. I've never heard of such practices. If I could refinance and change mortgage holders, I would in a heartbeat and hope to someday. Their customer service skills are lacking hugely.

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Getting Screwed By NCM TOO !
Fremont, US
May 26, 2009 6:24 pm EDT

I have had a workout package going on with NCM for over 4 months.. first a decline, then a request to re submit.
NCM are ###S ! they claim to want to help, and send you info for the Care program, and CARE don't help either ! you make too much $, or you don't have this or that... its soooo frustrating..

I am on a repayment program now that will be 2400 a month till end of sept, then it goes back to 1700 ! I cannot wait, cause I don't want to lose my house, but I cannot afford the extra 700 dollars leaving my pocket every month.
I have now had to begin filing for a Settlement package for all my unsecured debt, just so I can lower my monthly unsecured bills so I Can keep up with the NCM Loan.

I too had been laid off 2 x in a 6 month period last year, and also had a horse fall on me, making me disabled for 2 months... UGH.

Good luck, to you all ! Hope something good comes from all this bad stuff.

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Ms Roman
Chicago, US
May 07, 2009 4:40 pm EDT

I've been dealing with National City Mortgage myself since last November. I have sumbitted the workout package several times. The interesting thing is that they are always loosing the information and without notifying me, they just close the case and I have to reapply. I tried to sell my home and after everythinh was approved, the buyer backed out. I had already moved out of the house as well. I reached out to them multiple times during the last 5 months and have not been able to talk to somoene who is knowledgeable on the new programs. It seems like they don't want to help homeowners. It has been really frustrating and I already gave up. Let them keep the house then if they don't want to provide a solution to the problem.

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T. J.
Corona, US
Apr 21, 2009 5:47 am EDT

I am going through thing with National City Mortgage. I'm behind 3 months due to hardship. I contacted National asking for different programs. I'm not asking for anything FREE, just a little knowledge on what I can do. I was told of the different programs and that they would send it to me via mail. In the meantime, just send a payment in prior to April 19, 2008. I agreed. I sent a payment in (a full month including late fees) as told. Today, April 20, 2009, I went to the mail box, and National sent the check back stating that they need 3 months payment. Now, If I having a hard time getting the 1 month at this time, how am I going to send three month amounting 2, 000.00 a month? National City is not working with their customers, though the government is telling everyone to contact their lender for assistance. National City is unfair. It's a shame that they would do this. We are all in a struggle, but National City don't care. Again, I'm not looking for anything FREE, just a little understanding. I'm trying to send a month here, and extra there to show my good faith...but they don't want to here that. They will send it back everytime. I suggest that all should contact their Congress (in writing like I did a few minutes prior to this one), to let them know the type of things the NATIONAL CITY MORTGAGE is doing.

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Angel
Waukegan, US
Mar 10, 2009 1:58 am EDT

I am with National City Mortgage myself and I have been having problems with them for a few years as far as me being behind. I get caught up and then fall behind again due to the fact of not having a job and then having a job and this was on going so I called them and told them. Then my father died, then my mother, then my sister in law and it just got crazy. My family just started dying like flies.
I will be caught up this time and now since I am at least working I am going to try to get back on a repayment plan with them now to see if I can get caught up by the end of this month or the being of next month.
I am praying on having my school money that I have come in every few months and I know that it will be stopping soon due to the fact I am getting low on funds now. I am almost at max for my graduate degree funds and it has been hard for us too. I understand your situation but I just say call them do not duck them and keep asking to speak with a supervisor or someone else inside the company. Do not give up at all because it is your home and without that you will be in the street. It is very important that you make sure that they provide you with the necessary documents showing that you do have insurance on the house through them before you try to pay anything. It is always best to get it on your own and that is what I did but it is included with my mortgage and it always have me short at the end of the year.
I just got a letter stating that my mortgage is going up and now it is higher than before, but I just have to try and deal with it. I was hoping that I could pay the shortage but I wasn't able to with everything else that is coming in on a daily it seems. The gas bill always come in very high and it got to a point it was cut off .
We are in the same boat, but what I was thinking is go back to school and get the max on the loan from them and that is about $4500 per session and take that to pay the bill that is what I have been doing for months now to try to get caught up and will be doing it with the next one too. I am only working part-time and what I make every two weeks I am making now every week.
I would also like to know if you go to church and if so talk to the pastor and tell him your situation. They always look out for people all the time to make sure that their people are not in the street and are taking care of all the times. If that is not an option then just pray at home as much as you can and things will work out.
I have to call them myself tomorrow to hopefully get back on track too.

Well it's been great talking with you and hope all is well please do not hesitate to give me a holla if you need someone to talk too.

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aaa123
, MY
Apr 19, 2008 9:01 pm EDT

Per your closing documents you must have insurance cov at all times and if proof is not provided the mortgage company can obtained coverage for you. So of coarse its going to backdate to the day your own insurance cov lasped.

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PNC Financial Services Group poor service!

Three times, we have tendered payment for a revolving loan at a pnc branch, and three times, pnc has failed to credit the payment. Each time, I receive harassing phone calls from a collection arm of pnc. Last night, when I told the collection agency that we paid at the branch, and had a receipt, she "explained" to me that it is my problem, not pnc bank's problem. She explained that it is not the duty of pnc to track down what happened at the branch. When I told her that by paying pnc's agent (the branch), pnc became responsible. She was rude and talked "over" me, telling me that I was repeating myself.

This must be a new scheme to generate late fees. By not crediting the account, and blaming the customer for the branch losing the payment, they can charge the customer a late fee.

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paul hates pnc bank
,
Sep 28, 2007 2:14 pm EDT

well i bank with that lousy bank and they have allowed an ach payment to keep posting after i stopped it in writing yes i am angry because i like to all my banking online so i do not have to stop by the branch the people at the branches are great and they will help you but there online banking people no nothing about banking and they probaly are out sourced in some other country pnc wake up before you lose everybody

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PNC Financial Services Group - atm problems

I went up to your atm in bel air, md in wawa in july, 2006. I was waiting in line for about 5 minutes. Then, I went to insert my card, but it said to try it again. So I kept trying, and it wouldn't work. The lady in front of me got 3 transactions. Maybe the atm was confused? I finally decided to use my card to pay for gas.

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