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Modification Or Fraud
Posted by WKS on 06/22/2010
PNC Mortgage is not trying to modify mortgages, they simply put you thru their applications process and then lose or can't find the information. They repeatedly request duplicate information and claim to not have it.
When in fact most of my information was faxed as requested with confirmations.

I would think a investigation into their modification record would reveal many homeowners in my position who like me have given up after repeatedly filling requested papers and then being told that my papers were not received in a timely fashion. When in fact I responded in most cases immediately by fax and backed it up with a mailed copy.

This organization bought my mortgage from National and my past relationship with my primary mortgage company does exist anymore. PNC mortgage has confused and complicated policies designed to do just what happened to me - cause mortgage holders to get frustrated and give up on trying to navigate their playground.

If only our taxes could have been used to play with them maybe modifying mortgages to families would not be a game in which they deliberately do this. I hope by posting this other consumers will be careful before starting a relationship with this organization.
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Posted by khb01 on 2010-08-15:
It used to be that you ASSUME some level of competency from the banking industry. My experience with this bank proves the opposite (at least in this case). Very similar to other stories about PNC mortgage, their ineptitude, lack of proper record keeping and non-existent process management has led to a nightmare mortgage situation for me.
To cut a long story short, do not assume anything when trying to get your mortgage loan modified or back on track. Even if they tell you they have everything they need to proceed to the next step in the process, assume that they don't. Stay on top of them, and call weekly to check on progress.
Many of their customer service staff have a tenuous relationship with the Enlish language, so be sure to double-check that correctly understand what they are telling you and they understand what you are telling them.

I did manage to get a well-spoken rep from their customer service dept on one occasion, and this person suggested to me that I hang up if it was clear that the rep answering my call did not have a good command of English. With an average of a 38 minute 'on-hold' time over my last 9 calls to them (yes- I've timed each one), it's very discouraging.
Posted by Brenda on 2011-05-20:
They are still at it, too. PNC has forced us into forclosure, even though we have been communicating and trying to work with them through our hardship since BEFORE our first missed payment. Now we will have to duke it out in court. I'm going for Forclosure fraud. Anyone else in a similar spot?
Posted by Liz on 2012-05-17:
I filed a motion to invalidate sale of my house. My experience is similar to Brenda's. They told me they couldn't negotiate with me if I'm still paying...
Posted by mtp8469 on 2012-06-26:
Hi Brenda, If you get this message can you tell us what happen when you fault then in Court on Mortgage fraud? My friend’s situation is very similar to yours.
Posted by DB on 2013-05-04:
KHB01 and Brenda I have been thru the same thing as both of you and I am going to sue them for mortgage also and I live In Illinois and the Ilinios Supreme Court has made an incredible ruling designed to stop foreclosure fraud by banks. You can look it up on the internet and read it for yourself. If a bank can't produce the original Promissary Note, there pretty much dead in the water on foreclosure against you and some of the judges and lying lawyer's of the courts are all a part of the fraud game so I urge you to do your homework and learn your rights and do not leave your house no matter what they say or send you....
Posted by anita on 2013-09-12:
Harp is bait and switch. We have a perfect pay history across the board. If I can find a lender with no cost to close and no other charges, I will switch today. PNC is worthless, fax 5 times,they did not get it? Faxed from our branch,they don't have it? I worked in retail customer service....if I work like PNC I would have been fired. I was with Ohio National then purchased by National City purchased by PNC......bad deal, I am done.
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Deactivate ATM card
Posted by Beyondfrustrated on 09/24/2010
Several months ago, we went to use our PNC check card and it was declined. So we call the 1-800 number but it's after 10 pm so no one is there to help us. We wait until the next day and call as soon as their call center opens. We are told they have no clue as to why are cards are DEACTIVATED. There is money in the account, they haven't been reported lost or stolen, and the account is still open. Their advice is to go into a branch because apparently, the branch put the hold on the card. But it was Sunday, so no branch was open. After speaking with multiple people who tell me there is nothing they can do, we finally get someone who re-activates our card over the phone. No reason can be given for why they were deactivated in the first place. No one wants to take responsibility for it.

Tonight, the same thing. My husband just finished 7 days straight of work. Tomorrow, he starts 13 solid days of work. This was our only time to get out and have some couple time. Hire babysitter, hop in car, go get gas....card deactivated. Once again, it is after "business hours" and no one is available to help us until tomorrow. We are beyond furious and will be closing our account ASAP. While they have our home phone, cell phones, and email addresses, we were not notified of the deactivation. The first time it happened, we never even got a snail mail letter of explanation.

UPDATE: Called this morning at 7:20am and was told by automated system that it would be a 4-5 minute wait. At about the 4 minute mark, I hear a click and a message saying to leave a voicemail. I hang up and call back and got someone right away. She told me that she couldn't do anything since that department didn't open until 8am and that I should call back. I did. I spent 5 minutes explaining the situation, 35 minutes on hold, 2 minutes talking again to the rep and then another 10 minutes on hold. She told me her supervisor couldn't reactivate the cards via the phone. I replied that wasn't true because that's what they did last time. She agreed that some supervisors "don't do that" but she had multiple supervisors in several states that she could try. I got the cards activated again.

When I asked why they were deactivated, she told me that it could be a merchant reported fraudulent charges, but when she checked, she said no. Then she told me it was because we were overdrawn, which we were the prior week but it was covered with a direct deposit 2 days prior. I asked her what triggered a deactivation versus just declining the card and she said it was the amount of days overdrawn. I asked her to quantify that and she checks the account again and says, "Oh, that's not it". Then she tells me that overdrawing 10 times in a 30 day period would deactivate the card. I told her there was NO WAY we overdrew our account 10 times. This was a one time emergency that we had to deliberately overdraw the account and I was aware of it and covered it. So, then the reasoning was the amount we overdrew the account. Then she says, "Oh, that doesn't look like it was it either. Well, they are activated now". Gee, thanks. I understand declining the card but deactivating it? Even though the account was brought in good standing 2 days prior, we still had no access to our money. As for notifying us, we were told they "try to make an effort to contact the customer". We have no messages or missed calls.
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Posted by CaptainSpaulding on 2010-09-24:
I once had PNC Bank for a car loan. Dealing with them was one of the worst experiences in my life! A common occurrence with them was "The Mystery of the Lost Car Loan Payment". I would mail my payments to them two weeks before the due date, but more times than not, the payment wouldn't be credited to my account because they claimed that they never received it. After the same thing continued to happen after I started to mail my payments to them via USPS Certified Mail w/Return Receipt, I knew that they were full of hooey! I promptly paid off my car loan and haven't done business with them since!

My advice to you is to open an account at another bank and tell PNC Bank to shove their ATM card where the sun doesn't shine!
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Does Not Modify Mortgages - Predatory Lending
Posted by Eno on 07/30/2010
MIAMI, OHIO -- I agree with the previous complaint about PNC! Every time you call to check on the modification process they either lose your paper work or worse they tell you that you did not fax everything!

In June I sent all required documents, I followed up the next day with a phone call, they said they received all necessary documents. The next week I received a letter they were missing several docs. So I called and faxed them the same day.

A week later I received a letter stating my request was denied for insufficient required documents. When I called PNC they said they received the docs in time but they were unable to process them before the time limit had elapsed so I woild have to start all over again! More than 6 times since may of '09 and three times with a local community service.

The same things happened to the community service, they lost papers, would not return calls, they would say they had all required documents one day and the next week they said they were missing docs.

This is predatory lending tactics by defintion. If you have the same issues or similar I suggets you file a complaint with the occ at http://www.Helpwithmybank. Gov/. Call them and then file an online complaint wih them as well.
When the ceo of PNC makes over 20 million with bonuses I say that is an abuse of power and glutony!
If they tell me the investor won't modify one more time...Or tell me the investors name because of the privacy act, yet the investor has all of my private information? Something stinks here, smells like predatory lending!
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Posted by saj80 on 2010-07-30:
First, while it may be inept, it is not predatory. Second, the entire mortgage modification system is a mess, largely due to two issues: the number of mortgages now held by investment firms, and the number of requests for modifications. I don't know your specific situation, but the last report I read said less than 8% of all modification requests were getting approved and completed.
Posted by Anonymous on 2010-07-30:
This is far from preditary lending. It is basically one big mess. The fact that people are getting breaks on their mortgages is still incomprehensible. The only reason this came about was because some of the banks had to bailed out. All the means for these loan adjustments are being made up on the fly.

I don't know your case but I do know people who took out loans against their house for vacations, tv's, cars, etc. And then ran into trouble when the house stopped appreciating. Now these people are getting breaks for their reckless behavior. Those of us who stayed responsible get nothing, except property tax increase. One part of me is not to disappointed that it is a difficult process.
Posted by Venice09 on 2010-07-30:
I have to agree with you chevy. Some people may have legitimate reasons for needing loan modifications, but I think most of it is the result of greed, entitlement and bad decisions. I don't think those people should be rewarded. I'm just glad it hasn't gotten to the point of forgiving credit card debt. That will really hurt.
Posted by eno on 2010-08-17:
When you have a legitimate "Medical Hardship" (with documented proof) and you qualify under the guidelines on the PNC website, they still deny it. PNC had a private company do an appraisal on my home and it not only listed my home 2oo sq. ft. larger it was compared to homes with three car garages (i have two) and larger homes. My home was apraiased over the amount so my modification won't process through investor guidelines, how convenient when there are three foreclosures and two short sales within three blocks of my home.
I have emptied my 401K to keep my home. At least the companies I owe medical debt to works with me on payments. Not everyone is looking to get a free ride and I understand there are many people who are trying just to do that. When you have documented proof of a hardship it still doesn't matter to the banks.
Just like I saw someone paying groceries with food stamps and then drive off in a Mercedes? that's what i call a free ride and a scam.
Posted by JRSG on 2014-01-22:
PNC is a predatory loan institution. Read all the complaints on the Internet. We are having to file a lawsuit against PNC for the second time in 9 months. We are not looking for a free ride! We have always paid our debts! Thanks to the Republicans the economy crashed and I lost my job and have not been able to find employment since (8 years). Please do not say everyone is looking for a free ride, especially since you do not know the situation. PNC lied to us. Then they tried to get hundreds of dollars out of us for no reason. We had to sue because of a breach of contract by PNC. This started May 2013 and on Jan. 22, 2014 we are filing suit again. They are sending us 4 letters per week threatening us, claiming they are not getting our payments. We have proof they are cashing our checks! They refuse to speak with us. It took over 4 weeks before our attorney could get anyone at PNC to speak with him. PNC is harassing us for money they claim they did not get but we have proof they got our money
Posted by David Kreate on 2014-03-08:
PNC is a den of thief's.
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Overdraft Fees
Posted by Hadji on 08/16/2007
I want to know what any bank PHYSICALLY does to merit charging a 30 dollar overdraft fee. It is an excessive fee. I was charged $90 dollars extra for 2 99 cent double cheeseburgers and a pack of camel filters.(3 separate transactions) It happens to poor people like me often. This is definitely not a courtesy to me as I've been told by PNC. With today's technology it seems your card should be denied if you are going to overdraft.

To save you time in your responses, I admit I'm financially irresponsible sometimes and paid for it dearly.
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Posted by Hugh_Jorgen on 2007-08-16:
The banks charge more for overdrafts and such because everyone wants free checking. Remember when you used to pay $5 a month for a checking account and 10 or 15 cents per check? Well someone offered "free" checking and everyone else had to follow suit. The banks made the accounts free but then they charge you dearly for overdrafts. As far as banks letting you overdraft as a courtesy - you have to look at both sides - to you it was too high a fee to pay for two burgers and a pack of smokes - but what if it was 2AM, two days before payday and your kid is sick and you have to run to the 24 hour Walgreens for medication - at times like that you are thankful that the bank will let you overdraft your account and you will gladly pay the $30 at a time like that. As Stew would say a service like that would be "very helpful".
Posted by Anonymous on 2007-08-16:
"I admit I'm financially irresponsible sometimes and paid for it dearly." So, where's the beef?
Hugh is right on regarding 'free checking'.

Posted by bill on 2007-08-16:
Its not that the bank physically does anything for the $30.00. I think its more like a penalty charge. Perhaps they believe that if the $30.00 fee pisses you off you will be less likely to be overdrawn in the future for fear of the penalty charge.
Posted by GothicSmurf on 2007-08-16:
Think of an overdraft fee as a VERY high percentage loan. Just because a checking account says it's free- it's not always, you have to read the fine print. Being "free" does not give you the right to over spend what you have because you can.
Posted by poppapia on 2007-08-17:
If you're eating double cheeseburgers and smoking Camels, overdraft fees are the least of your problems.
Posted by Anonymous on 2007-08-17:
According to a recent study by the Center for Responsible Lending the nations 15 largest banks collected $17.5 billion dollars last year from us for over-draft fees.
Posted by Anonymous on 2007-08-17:
The $30.00 fee is just there way of saying “we have your money chump and we will take what we want when ever we want to" everything else you have heard is BS!

But wait! Did you know the government is now trying to add more taxes on the cigarettes you buy under the guise of what you as a smoker do to other people? Guess what the same people that believe the banks are right in what they do will also be the ones that voter for this bill thinking they are getting over on the evil smokers.

Just like the deception of the banks after it’s all said and done the politicians will let there grand plan unfold.
This bill will allow some kids to be kids till they are 25.
It will allow all illegal children coming into this country illegally to get free medical benefits and much more. The original “tax on cigarettes” will of course not be enough to cover this cost and then just like the banks taking your money without you permission you me and all the people that fell for this bill, if it passes will be taxed even more.

Posted by jktshff1 on 2007-08-17:
gothic & lidman got it.
addition to lidmans post:
Where do you think the tax money is going to come from when all the evil smokers quit and voila! no more smoking tax money?
Posted by Anonymous on 2007-08-17:
There is a bill “gaining moment” that would require banks to tell people at the ATM and possibly at the checkout counter when their accounts run dry, It would also prohibit banks from charging overdraft fees unless customers have agree to pay them and it would prohibit the bank from clearing the highest check first.

Banks have also held and delayed deposits so that an overdraft incurs and they receive the fees.
Posted by Nohandle on 2007-08-17:
Hadji, at least you acknowledged you were "financially irresponsible sometimes" which is more than most will say. I too, think the $30.00 overdraft fees are ridiculous and the clearing of the larger checks even more so. Free checking now simply means maintaining a certain balance in ones' account.

Banks are not your friend..face it. What really troubles me is banks in general don't seem to want the so called "good customers"..those who watch their account, pay their bills on time and march to the beat. Banks, like the credit card companies, seen to prefer those who are behind in their payments or writing those hot checks. No fees received from the good customers.

If banks didn't find this financially beneficial, believe me there wouldn't be any overdraft fees. They would simply cut the customer off. It apparently is to their advantage to continue.
Posted by pjhwin on 2007-12-10:
Banks use creative accounting methods to put accounts into the negative on paper. When you get overdrafts against your account and ask the bank about them, the bank goes over your account and usually comes up with the reason behind the overdrafts is that there are holds against your account from charge transactions that didn't clear yet. Sound familiar (holds against your account that haven't cleared yet) How in the world can that be true? Holds are just arbitrary figures that are out there in cyber space, if they don't get turned into transactions they get dropped off. But, during that magical 3 to 4 days that there are holds against your account the bank figures them in against your balance.
Correct me if I'm wrong, but the last time I made a charge purchase with my debt card I checked my account balance and my available balance was lowered to reflect the transaction. How can the bank have a hold on an already adjusted account balance???
Posted by tbarnum on 2008-01-28:
Banks and Credit Unions both charge ridiculous fees for overdrafts. I was pretty sick of that crap. I was online a couple weeks ago and through a bunch (and I mean a BUNCH!) of searching I found a bank out of Kentucky that won't charge overdraft fees. There is a 19.95/month flat fee and that's it. No overdraft fees. I was skeptical at first but I called them and it is exactly what it says, a no overdraft fee account. Here's the website I found, you can actually apply through the website.

Posted by old fart on 2008-01-28:
Folks... I almost hate to live up to what My name implies but the simple formula for avoiding overdrafts is "do not spend more money than what is in your account"

If you have access to a computer and your CU or bank provides on-line access to your account, you can balance your checkbook hourly if you wish. In this day and age there is literally no reason why anyone should be overdrawn.
Posted by Castun on 2008-08-13:
old-fart, the problem is that even with online banking, where 99% of debit card purchases show up immediately, that 1% that may take a couple days to show up can be where these problems come from.

I've been told by my local bank manager that if you use your card at any merchant, it won't take into account any other pending transactions when approving that purchase. However, he said that their system does know you just overdrafted your account and will charge you that fee the next business day or two, regardless of if you deposit cash back into your account before being hit with the fee.
Posted by old fart on 2008-08-13:
Castun... it's easy if you treat the uncleared debit transactions just as if it is a check you just wrote..

If you choose you can balance your checkbook hourly...
Posted by old fart on 2008-08-13:
I just realized I repeated my previous statement but it just reinforces my belief..don't spend it if you don't got it..
Posted by Meatball7 on 2008-08-13:
Again, not that simple old-fart...
I work for a bank, and I am currently leaving my position with them and closing my accounts. You don't have to spend more money than you have to get an overdraft. I've been pounded with od fees just for using my debit card. What it means to get fees from pending transactions is that any holds a merchant might post to your account may cost you. For example, if I have 25 bucks in my account and I use a prepay pump with my debit card and pump 15 dollars... the merchants pump my post a hold of 50 dollars, which then clears to the original 15 3-4 days later. There your fee!! I lived it. The system sucks.
Posted by old fart on 2008-08-13:

all the more reason to use a credit union...
Posted by Meatball7 on 2008-08-13:
Fact is, good service in general has gone down the drains. Banks used to have to employ more tellers to cash paychecks and run "proof work". Gas stations and grocery stores used to employ more help to provide customer service money-takers and baggers to help their clients. With debit cards, direct deposit, and pay-at-the-pump we should be saving them lots of money. So, whats the reward other than bigger punishments for consumer carelessness and bad automation?

One of the reasons I'm leaving my job is that I don't believe in these type of practices. The clients aren't trying to cheat out some money.... they're just buying into the "we're making it easy" slogan the banks try to trick you into thinking.

Who knows, maybe I'll land a credit union job :)
Posted by trouble.jessy on 2008-10-16:
It's really easy for people to say "don't make more than you spend". For those of us living paycheck to paycheck, and using every dime to hold us over until our next check.... $30 ($34 at my bank) an overdaft can be devistating. My overdrafts are not intentional or because I'm going out buying big screen tvs, it's usually becasue I'm trying to by groceries or put gas in my car. The banks need to have a heart, especially given the horrible state of our economy. Plus, I just deposited $1000 in my account, but because of a $5 overdraft there is a hold on my account... which for some magical reason they can't lift for 48 hours. So I have no cash. Citibank is the worst.
Posted by Anonymous on 2008-10-16:
I think the phrase is, "Don't spend more than you make." But, I don't think anyone would mind making more than they spend, lol. That being said, banks offer so many free services now (compared to the past) that they have to make their money somewhere and I guess overdraft fees are it. They count on people overdrafting--and people have not let them down.
Posted by mosquitoguy on 2010-02-26:
I would like to withdraw 5 million dollars. I'd be glad to pay the $30 overdraft fee.

There. Banks aren't supposed to let you withdraw money you DON'T have. It's a CHECKING account, NOT a credit account. Simple enough for the folks who think banks are doing the right thing?

Posted by Riah on 2010-10-01:
Overdraft fees are not going away. They never will. Pending items from a check card purchase reduce your available balance as they are a promise to pay a merchant. That is not going to change either. Consider your debit card an electronic check writer that automatically writes down the money promised in your ledger and reduces what you have. It's not that hard.
Posted by DerekDudage on 2011-05-20:
Actually, you have to instate "overdraft protection" on your account so that if you don't have the cash in your account, you'll be denied. BUT, protection from an overdraft fee is an extra charge!
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Closed acct after overdrawn once, money was returned to them the next day!
Posted by DerekDudage on 05/20/2011
PERRYOPOLIS, PENNSYLVANIA -- I have been with PNC Bank for two years now. Over a year ago I had overdrawn my account mistakenly by less than $5. I bought a movie and thought that I had the whole amount in the bank, but mistakenly did not. At this time I didn't use my check card often so I didn't check the balance often. Almost 2 weeks later I got a letter in the mail stating that I was over $100 in debt due to overdraft fees, yes, overdraft fees! So, I went to the bank immediately and deposited my whole paycheck of $180, thinking that it would cover it. The next day, I checked my balance. It turns out that since I had received the letter so late, I had accumulated even MORE in overdraft fee's and I still owed them over 100 MORE dollars! In short, I paid them over $200 for them giving me 3 dollars that I didn't have. So I paid that. Everything was finally in the norm until about 4 months later when I had an emergency and had to overdraw my account. I got that taken care of and everything was okay. Until about 3 weeks ago when I had to take 100 dollars out of my account that I didn't have. I went into the bank the NEXT DAY and gave the teller everything that I owed, plus more! I made sure with her that everything would be okay and my account wouldn't be closed or anything. She assured me that everything would be fine. About 2 weeks after the incident, I received a letter in the mail from PNC Bank stating that they were closing BOTH of my accounts. Not just the one that I overdrew, but both of them! The letters also stated that I would receive a check in the mail for the balance of every account closed. Over a week later I finally received the checks in the mail... PNC will stick you any way they can. They will not notify you of anything (and if they do it's way after the fact!), they will show no remorse. It's disgusting how the American People, the people who make this country, have hardly any power over their money or their government as a whole!
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Posted by trmn8r on 2011-05-20:
PNC is a great bank, a regional one. I am a customer and a stuckholder. They probably don't appreciate account holders who overdraw their accounts on a regular basis. I'm not surprised they encouraged you to move to a new bank.

If you think about it, the fact that they closed your account shows that they aren't in it just to collect overdraft fees.
Posted by trmn8r on 2011-05-20:
Also, PNC has the best overdraft prevention feature I have come across.

With Virtual Wallet, you get three accounts, one of them interest bearing. If your checking account becomes overdrawn, it takes from the interest bearing one with no fee at all. Automatically. Then they send you a notice in the mail, at THEIR cost mind you, of what they did for you.

I specifically opened my PNC account to avoid worrying about overdrafts.
Posted by Anonymous on 2011-05-20:
very good review!! I would suggest joining a credit union. I found it much more convenient.
Posted by Tina on 2012-11-20:
You Can tell by theses comments they are actually people that work for PNC bank lol .I totally agree with you Perry PNC IS NOTHING BUT A FEE CHASING BANK! The worst bank out there I will make sure I tell everyone I know what a terrble company to do business with .They do not care about the consumer also everyone is not on the same page you can talk to 5 different employee's and you will get 5 different explanations of their rules. What a disgrace as a bank. People are getting so fed up with theses banks I can see in the near future most will be turning to prepaid debit cards which work just as checking accounts.You can even have direct deposit also use your smart phone to take an image of your check for deposits.These will save us all on all these fee's the banks are doing to us they are biting off the hands that fed them.It's becoming a different world the average person is really getting fed up with the banking system!
Posted by Shannon on 2013-12-17:
Tina, I couldn't agree more. This bank is the worst. I have tried so many times to deal with them and failed. I am told one "policy" only to be told by another rep that the "actual policy" is.........! In my situation I have been told so many different "policies" I would never be able to tell you which is correct. I did however save many screenshots as well as my IM chats as proof and they still won't admit when they are wrong. I am sick to death of it. I am also so sick of the ordeal it is now to change banks with everyone wanting to do Ach debits and deposits it takes all of someone's time just trying to change the information in order to make sure you receive your paychecks on time! I am at my wits end with this bank!
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PNC Bank Sucks
Posted by Kish on 03/29/2010
PITTSBURGH, PENNSYLVANIA -- I was a National City customer and the bank was sold to PNC Bank. I received much literature and information assuring me everything would be the same as National City just a different bank. I thought initial this is cool its part of a bigger bank and maybe I could get some cool services because of that fact. The horror begins....

Incident Number 1 started when my online banking that was supposed to be a smooth transition and all my bills were supposed to be paid as usual...NOT. Well in fact my very large rent check for my business never got sent. So I get a call from my landlord to tell me it was never received. Well I've had it automatically sent for the past 2 years. I called PNC and guess what they have no record of it being an automatic payment although they said it appeared as though it was paid same time every month. So I called National City who informed me they had no access to the account anymore so there is basically no record of anything.

#2 I own 2 business so rent check number 2 shows up late...I file a complaint because National City had a guarantee but guess what I got no response...it went through some automated system and basically got told it was my fault.

#3 I had another bill supposed to be sent every month, again like above no record, never sent.

#4 I had my insurance bill sent, but they used old account numbers...It had up till the transfer been paid on time and from National City. It got sent back to me because the account numbers were no longer active.

#5 Login ID listed my name and home address and phone on bill payer checks rather then my business. They explained that is the way it was at National City but it wasn't that way at all.

#6 (2) Other bills that are sent every month same address both came back undeliverable. I looked at the addresses and they aren't even close to the address of where the bill was supposed to go.

#7 Called into PNC to ask where to find something online but I didn't have my account number. I could tell them everything else including tax id. They said they needed my account number no exceptions. So instead of helping me I was again left flapping in the breeze.

#8 Need account statements from last year which was available from National City but I guess isn't available anymore because PNC seemed to have lost everything from National City and I can no longer get any information or statements.

So I decided to switch banks....end of story I guess.
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Posted by Anonymous on 2010-03-29:
The takeover makes it a new business. Did you ever go online and set the auto pays back up? When BOA took over Nations, we had to destroy our Nations checks and get BOA checks, change our debit cards to BOA debit cards etc. I am guessing online banking would have to be changed too. If you did not do so, that could be why they had no record of the set up.
Posted by FlShopper on 2010-03-29:
That sounds like a nightmare!
As much as I hate Chase, when they took over Wamu they kept sending me emails and posting info on their website about all the changes and what I needed to do to ensure my account transitioned smoothly. I had to reenter all of my bill pay information, set up auto payments again, etc. It was a pain, but everything did switch over. It stinks that your bank didn't give you more information on how to make your transition smooth also.
Posted by Riah on 2010-10-01:
National City's bill pay was done through a company called Metavante. Metavante would call the payee and verify that the information a customer entered into their bill pay was correct. If it was, everything was fine, if it was not Metavante would correct the information IN THEIR SYSTEM, not in your online banking bill pay. This means that even with the wrong information the bill would get paid on time and correctly. Flash forward to the switch to PNC. PNC did in fact pull all the payees over however if ANY of those payees had been corrected in the Metavante system the wrong information was pulled from the online banking to the new bill pay system. Why would Metavante go the extra step of updating everything when they are no longer going to be getting the business? So many of the bill pay issues with the conversion was actually that the customer originally put in something incorrect into the payee and only now that the new system doesn't do the same things as the old is it being brought to light. Furthermore, if you were to write out a check and send it to someone you would read the address and write it on an envelope every time you send a payment. Why should online banking be any different?
Posted by totallypssst on 2011-07-18:
I moved and got no word from National City that they opened an acct. ,w/o my consent, with PNC. weeks before finding out I called NC, to close my checking acct., the representative said the closure was complete but it didnt reflect on this PNC acct.. I called trying to get answers, but everyone acted oike they no one knew anything and I got alot of run around to a dead-end. Man, I need help.
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Unfair overdraft fees!
Posted by Gigi813 on 08/29/2009
PHILADELPHIA, PA, PENNSYLVANIA -- I have also had a problem with PNC Bank and will soon be moving to another bank. Beware of online bill pay. I pay my bills every month with unline bill pay and always put in the amount and date two weeks before bills are due to be paid. This time I made a terrible error by inserting the wrong date and my bills were paid a week before I was actually paid overdrawing my account by hundreds of dollars. I live paycheck to paycheck and at this time have no money in my savings account to cover these bills. Of course all of my checks were returned and I was charged 9 overdraft fees ranging from $34 to $36. I was horrified and called the bank to explain. I was told that since my account was in good standing and I have never bounced a check, I would be reimbursed all but $100. I felt that as long as I was getting something back, I better take what I could and strick that as a lesson learned. The woman I spoke to also told me that the checks would be presented again in 3 business days at which time I would have the money in my account. The checks were presented again the VERY NEXT day!!! Of course again I didn't have the money in my account! Now I am being told that I will have to wait for all of the overdraft charges to appear on my account before anything could be done but that I should be aware that most likely nothing will be done since I was already giving one courtesy refund. I explained that the woman I spoke with me assured me I had three days and was told that they will investigate. Of course we all know this woman will deny this and now I will be charged tons of late fees. Not to mention my credit card companies charging me return check fees. Is this fair?? Does anyone know of anything I could do about this? If so, I'd love to hear from you.
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Posted by Anonymous on 2009-08-29:
Good luck on your situation. Sounds like a case of bad luck. Hopefully, it will get resolved. But, know that no matter where you go, there's going to be overdraft fees; that's something you can't escape even if you go to a credit union. I'm sure, next time, you'll be a little bit more careful. Mistakes happen. Hopefully, you'll get your money back. If all else fails, go to a branch and talk to the branch manager or teller manager instead of dealing with someone over the phone. Just explain to them calmly and nicely. People tend to be a little bit more sympathetic with a customer if explain things in a calm manner rather than go in with an attitude and start yelling right off the bat.
I hope things work out for you.
Posted by madconsumer on 2009-08-29:
how is this unfair? you admitted to making the mistake. they did offer to correct the fees at first, then it happened a second time.
Posted by Anonymous on 2009-08-29:
The unfair part was she was told the checks would be presented again in 3 days. They then sent them in the next day knowing it would generated 9 more overdrafts. Mad, that's the unfair part.
Posted by madconsumer on 2009-08-29:
merchants are not controlled by the bank when a returned check is re-submitted.
Posted by Anonymous on 2009-08-29:
*Shoo Biccey Shoo*
Posted by yoke on 2009-08-29:
The teller told the OP that the checks would be presented in 3 business days. The teller did not give wrong information. The checks presented themselves 3 business days after the first time they bounced. The bank did nothing wrong and went out of their way the first time around.

Posted by yoke on 2009-08-29:
madconsumer, the bank probably did not send the check to the merchant since the funds were not there. The OP is lucky the checks did not go out because if they did they would have been hit with NSF's from the merchants also. The bank did the OP a huge favor.
Posted by PepperElf on 2009-08-29:
And many places will cash the checks regardless of the date

in fact i was under the impression that pre-dating your checks wasn't actually legal.

that when the check is written you are suppose to have the funds to cover it immediately.

in this day and age floating a check is just begging for them to bounce
Posted by trp2hevn on 2009-08-29:
Pepper, I don't think the OP was pre-dating a check. She has online bill pay which you can set up to schedule a payment in the future. She put in the wrong date for the scheduled payment and it was sent out before she had the money from her paycheck.
It's a tough situation to be in. I don't think it was done on purpose. Just an innocent mistake that has great financial consequences.
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PNC Bank has 12 pages of fees. Worst bank I have ever dealt with
Posted by Kramertj on 12/28/2007
This bank will fee you to death. Give you slow/poor customer service. The behavior of the representatives is one of if the Bank Policy says I can steal from you I will.

PNC's management should be ashamed of they way they steal and treat their customers. I signed up for PNC banks $101 offer. They immediately started stealing from my account. It was a nightmare I was charged fees for having an account. We never received the $101 from PNC. PNC Customer service is slow and rude. I asked to close the newly opened account and they charged me another $50.

This bank is the worst I have ever dealt with. I'm asking for the return of the $50 they stole for closing the account after I saw what a terrible bank they are. PNC is rude. Replies from PNC Bank are insulting . PNC is a very unprofessional bank. Basically, PNC FAILS TO TAKE RESPONSIBILITY for its overly complex rules intended upon defrauding responders to their deceptive offers.

Have had long standing accounts with Chase and Citibank for years and they are much better banks compared to PNC. Among the bad banks PNC ranks among the absolute worst. If you value your money I wouldn't do business with PNC.

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Posted by Anonymous on 2007-12-28:
12 pages of fees?

Every bank that I know of charges a fee for closing a newly opened account. Good luck getting your $50 back.
Posted by gfa1981 on 2008-02-22:
These other guys must work for PNC because 12 pages sounds about right. PNC recently bought out the bank that I was doing business with and have been a disaster ever since. I've been charged a fortune in fees, more than my last bank charged in a year, and I've NEVER heard of another bank charging a fee for closing an account, but PNC does.
Posted by Ouecreole on 2008-02-27:
i agree this is the worst bank! Not just what happened to you, but their banking practices as a whole! i am actually, tracking my account daily, and i am filing an offical complaint with the OCC.. please feel free to join me! i have contacted a Legal Firm, for assistance!
Posted by Anonymous on 2008-02-27:
Nobody listen to these guys then, what males you think anybody will listen now?

If the American people ever allow private banks to control the issue of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered.
-Thomas Jefferson

Of all the contrivances devised for cheating the laboring classes of mankind, none has been more effective than that which deludes him with paper money.
-Daniel Webster

The colonies would have gladly born the little tax on tea, and other matters, had it not been that England took away from the colonies their money.
-Benjamin Franklin

This is a favorable moment to shut and bar the door against paper money. The mischief of the various experiments which have been made are now fresh in the public mind and have excited the disgust of all the respectable parts of America. -Oliver Ellsworth, a delegate from Connecticut, who later became this nation's third Chief Justice of the Supreme Court. I believe that banking institutions are more dangerous to our liberties than standing armies. Already they have raised up a money aristocracy that has set the government at defiance.
-Thomas Jefferson, at the Constitutional Convention (1787)

Posted by robowash on 2008-11-13:
PNC wanted to charge me, as a non-customer, $5 to cash a check drawn on their bank!
Posted by WOWreally! on 2009-07-29:
check this out. i made two purchases one of which would over draw my account.(unbeknownst to me) but both got charged an overage fee. when i asked why they said that both had gone in the same time as a single transaction. so then i said if thats the case there should only be ONE OVERAGE FEE. its at this point i was hung up on. so i cancelled my direct deposit. now im on my way to walmart to buy a 50 inch tv. im going to let it over draw my account and when it goes into collections add it to my chapter seven. that way ill get my moneys woth out of these theiving pricks.
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PNC Is Robbing Me
Posted by PNC Stole My Money on 10/09/2009
BELVIDERE, NEW JERSEY -- PNC is robbing me blind, to the tune of over $700 this month alone. How can I be charged 3, 4, 5, 6, 7 overdraft fees at one time when I'm depositing over $1k at the same time I made the charges? Like most people, I have auto payments set up for my bills. This bank is putting through my automatic bill payments even though the account is overdrawn so they can continue to rack up these $36 charges. How can they put charges through on a negative account? My husband insisted we open an account here even though I warned of their unethical practices. I've been banking with another bank for over 15 years and never ever experienced this. Unfortunately I moved and they don't have a branch close to me. I have had it, they have stolen an entire week's paycheck from me. Looks like we aren't buying groceries this week or next week.
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Posted by MaggieMcT on 2009-10-09:
More detail please -- it doesn't matter how large the deposit is, if the debits are even more; or if they hit while part of the deposit is still on hold.
And automatic payments are just that, automatic. If you can't be sure the money will be there before the payments hit, cancel the automatic part and pay your bills manually.
Posted by Anonymous on 2009-10-09:
geez Margaret, have a little compassion. They are starving to death, this is no time for common sense. Rise up people, protect our right to spend money we don't have!
Posted by MaggieMcT on 2009-10-09:
You're right, Ken. Actually, I have an established rant about the death of common sense in our society. Unfortunately, it's gotten too long for me to dump it on anybody anymore . . . *sigh*
Posted by yoke on 2009-10-09:
What did the bank say when you called when you realized the direct deposit was going to hit after the automatic payments were to be taken out?
Posted by PepperElf on 2009-10-09:
and it usually takes a day for payments to be processed.
Posted by Kennyseven on 2010-03-24:
Banks are decieving people by posting your biggest bill first then smaller transactions later. Lets say you have 100 in the bank. you take out 20, then 30 , then 40 , then 90 which overdraws. Well some banks post the 90 first then the smaller ones which will result in 3 overdraft fees instead of 1. Get it! Now google unlawful overdraft fees and you will find all the banks that are involved in this practice....maybe even yours! There is a class action lawsuit going on as I post this.
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New Checking Account Policy
Posted by AngryChris on 10/29/2008
NEWARK, DELAWARE -- I had a rather unpleasant conversation with one of the customer service reps; she seemed very aggressive and was unable to explain the reasoning behind a new policy that has been put in place that affects my checking account. I logged into my checking account online and noticed that money had been deposited from my overdraft account even though the posted balance on my account was still positive. I called customer service and was told that this was due to the items in pending. How can I be charged for items that haven’t posted? How do you know I don’t have a deposit taking place before they post? How do you know that they are not temporary charges that will drop off my account and never post? I find it hard to believe that this is even legal.

If this is going to be a continuing policy at PNC, I will be taking all my business including loans to another financial establishment.

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Posted by Principissa on 2008-10-29:
Well what if your deposit comes in after your pending charges? Had they just kept the money in your OD account and you were in the negatives, we'd be reading another complaint about how they didn't transfer the money in time and now you're stuck paying fees. Invest in a small notebook or check register and stop relying on your online balances to keep track of your accounts. It will save you a headache and a bunch of money in unnecessary fees.
Posted by Anonymous on 2008-10-29:
They do this so pending charges won't overdraw your account when they post. Before you go to the trouble of changing banks make sure to read the fine print of the other banks deposit procedures. PNC's practice is probably common.
Posted by yoke on 2008-10-29:
You gambled and lost. Doesn't matter that your deposit was going to be in tomorow you made the purchase a day early.
Posted by BobJohn on 2008-10-29:
Thank them so you would end up with NSF fees.
Posted by Suusan B. on 2008-10-29:
Yoke is correct. You authorized debits beyond your available balance.
Posted by Ghost of former member on 2008-11-02:
Would you have rather they let the checks post without enough money to cover them, and charge you NSF fees?
Posted by Riah on 2010-10-01:
Pending items are your promise to pay a merchant for items or services rendered. The bank will reduce your available balance by the purchase amount because when you sign the signature pad or put in your pin that is YOUR CONTRACT to pay the merchant those funds. Think of it this way - if you write a check and give it to your nephew for his birthday you write that money off as gone so you won't overdraw your account. It shouldn't matter if he cashes the check tomorrow or two months from now, that money should be accounted for in your check book. What you are stating here - because a check card is basically an electronic check - is that you are writing checks and wanting to use the funds promised to other people just because they haven't been cashed yet. That's called floating a check. If it's pending, count that money as gone.
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