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 would 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 definition. If you have the same issues or similar I suggest you file a complaint with the occ at http://www.helpwithmybank/.Gov/. Call them and then file an online complaint with them as well. When the CEO of PNC makes over 20 million with bonuses I say that is an abuse of power and gluttony! 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!
PNC Mortgage is not trying to modify mortgages, they simply put you through 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.
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.
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.
This bank will fee you to death. Give you slow/poor customer service. The behavior of the representatives is one of the Bank Policy says I can steal from you I will. PNC's management should be ashamed of the 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.
GULF SHORES -- PNC Bank of Gulf Shores seems to be dealing in predatory lending practices. I recently contacted my local branch of PNC and verbally requested an auto loan. I declined the approved loan. When PNC headquarters sent documentation regarding the loan [as mandated by the FDIC] they had run two loan applications, one for an auto loan and one for a secured loan. PNC also ran two separate credit reports through Experian [this lowered my credit score 20 points].
When I contacted the loan officer she said the two loan applications were only internal and two credit reports were not run. The officer had personally checked my credit report again and said Experian did not show two reports requested from PNC. I ran my credit report to find two credit reports had been run by PNC the day of the credit applications. One for auto and one secured loan. The officer suggested I write a letter of dispute to the credit agency protesting the "mistake". When asked why I should protest a hit on my credit by PNC that did not exist [as PNC claims] she had no answer. Corporate was contacted that came to the same conclusion.
Why should a client of PNC have to contest a "mistake" on their report when it was not a mistake - PNC ran my credit twice without approval/ knowledge - providing documentation to Experian would only constitute fraud on my part. Bankers please stop this unethical behavior of lying and deception. I would like to personally thank PNC for lowering my credit score - wonder if my PNC credit card rate will increase due to lower credit score?
TARBORO, NORTH CAROLINA -- Sandina, a recovery specialist with PNC went into my new account and withdrew all of my paycheck to cover a past overdrawn account that I had with PNC. I received a letter from her the same day that the money was withdrawn stating that payment was due and to pay the past due amount or set up payment options by sending in a check or money order or contacting her for other options. Before I could even send off a payment or make payment arrangements, she had already taken the money from my account.
Everyone from the PNC 1800 number and even the reps at my local branch weren't helpful at all. The members of the escalation group and Sandina, the recovery specialist said that they can take your money to cover another account. They didn't give my the chance to make the payment or arrangements, they just went in and took everything I had in my account. I am without a doubt closing my account with them and never will I deal with them again!!!!
Similar to many others here, PNC has incorrectly deducted numerous overdraft and continuous day charges from my account. I contacted customer service, who refunded me less than 2% of what was incorrectly taken as a "courtesy", and got nowhere. I then contacted every exec I could find and worked with one, who took more than a week to get back to me and refunded about 0.5% More; again calling it a courtesy. Even after supply documentation (the bank statements they created) showing that these fees were incorrectly charged to me, they still refused to admit their error and make the correction.
The latest excuse I got is that they have some internal system where the overdraft fees were correctly charged to me. Conveniently enough consumers don't have access to this. Right now, I'm waiting on response from PNC, after explaining again the fees are incorrect and asking for access to this "secret" account statement that I don't have that tells them they correctly charged me. Again, like many others here I did not choose to bank with PNC, instead they bought out my bank. It doesn't surprise me at all that PNC was fined for taking overdraft fees that they should not have.
I will be contacting the many law sites out there that are asking you to contact them with info on PNC stealing money from you. If any are legitimate I will be following through with that course of action as well. My hope is that someone will see this and choose to not do business with PNC, thereby saving themselves the headaches, time and money that PNC has cost me.
EAST WINDSOR, NEW JERSEY -- This whole issue started Feb. 17th. I didn't receive items in the mail. I called PNC Bank about it and they said they'd take care of it. They gave me the money back and I had to sign papers when I received them. April came and still no papers. I called PNC Bank and they said they'd send them. In the meantime - I wrote a letter to them explaining in full detail everything they needed to know so they could get their money.
Finally in May I received the affidavit. I signed them and mailed them with another letter explaining everything that happened. To this day, PNC Bank wants me to pay them the money. I did everything I was supposed to do. They're supposed to investigate this issue, and they're not doing it. I refuse to pay for anything I never received. I don't want a lawyer or anything like that. I just want people to know that PNC Bank isn't trustworthy. I did banking with them for 12 years with no problems. This is the first problem I had and this is how I'm treated.
PITTSBURGH, CALIFORNIA -- After the experience I have been having with PNC bank, I am making sure by all means possible that this company gets exposed to how disingenuous, uncompassionate they are. This company and their policy are horrible for lack of words and they don't care if you have a family member that is ill, unable to do things on their own because of medical conditions, and that his son (myself that has POA over him) is trying to do the right thing and make sure the bills are paid. I will go more in details as I am going to write the whole experience completely and thoroughly.
I want to make sure this is exposed as many places (daily post on twitter and Facebook, local newspaper back east, BBB, Federal Reserve Consumer, and any other place PNC is connected to) as I can and WILL make sure it is known not to do business with this company ever. There are many other banks that are a lot more understanding and caring than this bank. As soon as my father's account is paid off, it will be closed.
This company should be ashamed of themselves. How they treat their customers as I know they would not do the same to their own family members with cancer. I have never been treated so poorly and bad from a bank. DO NOT BANK WITH THIS COMPANY. This company cares more about GREED than people in a bad medical condition.