PNC Financial Services Group
reviews and complaints

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!

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!

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!

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.

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.

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.

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.

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.

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.