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1.1 out of 5, based on 16 ratings and
50 reviews & complaints.

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Pnc crooks
Posted by on
NEW JERSEY -- Pnc bank takes advantage of people. They know you don't know what is going on in certain situations and they are legally able to rob you. Then they tell you what you should have known. They talk you into opening accounts that will make you lose money. You don't know this until it happens. I lost about enough money on an account with them that I could have bought a brand new car with that money. It was some kind on brokerage account or something. Then they tell you nobody held a gun to your head to make you do this. I also just found out that they are stealing 20 dollars a month out of my checking account because it went below $2,500.00 in my checking account. I don't know how long it has been going on. I just noticed this and talked about this to arep there who put two months worth of stolen money back in my account. I want it all back. I have been negligent in looking at my checking account statements. I need to fix this. I did get this change to a free checking account. I was told they can't refund all they took from me. I need to go back and see how far back it went. They take advantage of you and then tell you you should have would have and could have known.
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tnchuck100 on 01/01/2011:
They've gotcha. They rely on people not paying attention to what is going on. They succeeded. The fact you got two months back is a miracle.

Helpful review though. It could help others.
leet60 on 01/01/2011:
"I have been negligent in looking at my checking account statements. I need to fix this. "

Enough said.
trmn8r on 01/01/2011:
Wait a minute. You had a checking account and didn't know the terms regarding minimum balance. I opened a PNC account 5 months ago, and I know all the terms and conditions. There is no minimum balance on my accounts.

You SHOULD "know what is going on" and you SHOULD "check your statements." There is a law about inspecting your statements and challenging fees going backwards. I think you have 60 days max, which is consistent with your refund. Works this way with other kinds of companies also.

Personally, I think this is helpful because it highlights what not to do when you have a checking account. I don't see anything PNC did wrong.
jktshff1 on 01/01/2011:
"Then they tell you what you should have known." Ya answered your own question.
Obsfucation on 01/01/2011:
If you aren't capable of managing your own money, which by your admissions you are not, how is it their fault?
Agitated Banker on 01/11/2011:
I can't stress enough how important your statement is. It's your best source for reconciling your balance and also a communication channel your bank uses to let you know about policy changes and special offers. All those changes people always claim were made without notice are always mentioned in your statement, often with a number you can call or a website to visit with questions. What's worse is if you're just tossing (not keeping or shredding) your statements, you're leaving yourself exposed to the real crooks...identity thieves.
MotleyCrueGuy on 02/14/2011:
Making comments like "stolen money" to refer to an account maintenance fee (that obviously they've been more than willing to help with) just makes you sound like a horse's posterior.
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Does Not Modify Mortgages - Predatory Lending
Posted by on
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 definition. 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 with 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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saj80 on 07/30/2010:
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.
Anonymous on 07/30/2010:
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.
Venice09 on 07/30/2010:
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.
eno on 08/17/2010:
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.
JRSG on 01/22/2014:
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
David Kreate on 03/08/2014:
PNC is a den of thief's.
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PNC Is Robbing Me
Posted by on
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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MaggieMcT on 10/09/2009:
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.
Anonymous on 10/09/2009:
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!
MaggieMcT on 10/09/2009:
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*
yoke on 10/09/2009:
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?
PepperElf on 10/09/2009:
and it usually takes a day for payments to be processed.
Kennyseven on 03/24/2010:
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 on
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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Principissa on 10/29/2008:
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.
Anonymous on 10/29/2008:
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.
yoke on 10/29/2008:
You gambled and lost. Doesn't matter that your deposit was going to be in tomorow you made the purchase a day early.
BobJohn on 10/29/2008:
Thank them so you would end up with NSF fees.
Suusan B. on 10/29/2008:
Yoke is correct. You authorized debits beyond your available balance.
Ghost of former member on 11/02/2008:
Would you have rather they let the checks post without enough money to cover them, and charge you NSF fees?
Riah on 10/01/2010:
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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Virtual Wallet is a Virtual Nightmare
Posted by on
Rating: 1/51
LAUREL, MARYLAND -- My wife was persuaded to sign up for PNC's new Virtual Wallet within the last 4 weeks. Since then we have had nothing but customer service nightmares. The icing on the cake and straw that BTCB is that Virtual Wallet unlinked all my QuickBook banking connections. What's worse I have been ON HOLD for OVER 40 MINUTES waiting for a technical services person to help me with the problem. The Virtual Wallet is Virtually without merit. PNC = Please No Customers, Please No Charges
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Alain on 04/16/2013:
I saw these things advertised and had concerns about their security and that perhaps PNC was overstating the devices functions. Thanks for your review. I'm glad I didn't get one.
Err.. on 05/16/2013:
What device, Alain? Virtual wallet is type of bank account offered by PNC, not an actual wallet.... So obviously a bogus comment.
Ferg on 06/09/2013:
Online banking through PC worked fine previously, since signing up for a Virtual Wallet account, I can't see transactions online. Accounts and balances show, but hit that button to see transactions and you get stuck in neverland until it times out. Tried different PCs in different locations to see if maybe it was my PC, but apparently not. Tried to get Tech help and never got through. Guess I will have to pay bills by check in the mail? I don't even know where my checks are... never used them before! Nightmare... going to close out that virtual wallet this week and hope that my online banking experience goes back to working mode.
Kevin on 06/12/2013:
Don't sign up for the $150 new account bonus. They'll do everything they can to prevent you from getting it. I've had the account for 4 1/2 months and although there's nothing really wrong with it, I'm leaving because they broke a promise to me. I don't trust them and customer service is a joke (I'm talking to you, Mr. Dillard). Avoid.
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Fraud Practices
Posted by on
Rating: 1/51
SOMERSET, NEW JERSEY -- PNC bank has been negating its responsibity since borrowing our tax money to prevent them from bankruptcy. I have been in the modification process for over a year and I am still being processed according to their loan modification dept. Whenever I call it's still the same. They have no intentions of modifying any applications and I can't wait for my time in court to speak before a judge like Wells Fargo. I'm sure these bank's practices will surface and I hope the penalty is large enogh to force them to close.
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trmn8r on 07/13/2012:
PNC is one of the better banks.

Many people are having trouble attempting to refinance their home loans, across several banking institutions. This is the first complaint I remember seeing about a PNC one.

Perhaps if you could state the details of what is happening in your case. Is your loan current, in foreclosure, default, bankruptcy? Has all the required information been submitted? Was there additional information requested, and when was it submitted?

Is the program a government-mandated one, and if so does the program require a timeline by which the bank must reply?

On what basis do you allege "fraud" has occurred?
BigAl on 07/13/2012:
PNC never was close to bankruptcy and did not borrow Gov. money to avoid bankruptcy. I am sorry you are having financial troubles and I hope things get better for you.
jonthethird on 07/13/2012:
Banks are hesitant to move forward with any loan modifications due to the lack of clear and firm regulations. Every day, changes come down from Washington or the State House, demanding different practices.
Also, understand it is not the Banks money in most cases. Mortgages were purchased by investors who are counting on the interest income for their futures. Many pension funds are involved. As the Banks are usually just administrators, they have to obtain permission from the mortgage holder in order to make changes. The bank bailouts (most which has been repaid) did not go to those who invested in mortgages.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Worst Bank Ever
Posted by on
Rating: 1/51
PNC is the worst bank I have ever dealt with. They will find any way possible to take money from you! Thieves and conartists. I was charged multiple fees, multiple times for a mistake made on their part. When trying to resolve the issue, a mistake they made, all they could say was you you you. BS. Stay away from these criminals.
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Kris10 on 06/27/2012:
I can support this review. I was once charged an OD fee with over $15 in my account (no minimum checking) when the fee was charged and there were no pending transactions. Then they started to charge fees for being over drawn when they were the ones to OD my account with that erroneous OD fee. In the end, I lost $20, but considered myself lucky as they overdrew my account by over $90 and after trying to fix it, screwed it up even more. PNC sucks.
trmn8r on 06/27/2012:
Details are needed. I love PNC bank - much better than my previous regional one.

What fee were you charged, and what were they for? I've been a PNC customer for 3 years, and I've been charged no fees. I have three accounts that are linked, and funds are automatically pulled from one account to another if an overdraft fee occurs, with no charge to me. I couldn't be happier with PNC - I'm sorry your experience is different.
trmn8r on 06/27/2012:
Kris10 - Why was any fee charged with "over $15" in your account, if there was no minimum and no pending transaction? That doesn't make sense, and would be stealing IMO.
Kris10 on 06/27/2012:
trmn8r, That's what I told them. They said it was a 'computer error' and wouldn't refund all of the fees. I was just happy to leave before they tried to collect all $90+ of the illegal fees they charged me while the bank was, 'working through this' and I was instructed not to deposit any money into the account as it would just make things more confusing. HORRID bank. I'm with M&T now, and have had pretty good customer service. Especially when someone gained access to my account without my permission. I've even had a few fees reversed even though I made a stupid mistake and accidentally overdrew my account by like $5.
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Personal complaint
Posted by on
Rating: 1/51
CHARLOTTE, NORTH CAROLINA -- I have been a happy RBC Bank customer for over 18 years. That goings back to when they were Centura Bank. That transition was very smooth. PNC will complete the RBC acquisition March 1st. Every correspondence I've received from PNC seems condescending. I was going to wait until the PNC was in full swing to decide to stay with them or not but after reading a number of PNC reviews I am going to find a new back today before they screw everything up for me here.
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warddw1526 on 02/14/2012:
Maybe you should give them a chance, rather than leaving due to other reports and condescending correspondance
Terminator's ghost on 02/14/2012:
I would suggest sticking with PNC only because I opened an account with them two years ago and I love the bank. I have experienced "condescension". Can you be more specific about what happened?
TINA on 04/13/2012:
I as well have been with RBC for 7yrs. NEVER had any problems. If you had to call there was Never a long hold time. With PNC I held the line for twenty minutes or longer...which I had to call about an issue on my statemet. There was a hundred dollar adjustment made to my account. It was a deposit that I had put in about a month prior that didn't go through. They adjustted my account a month later, said that it never made it to the correct department. Now what if I hadn't had the atm depostit slip...guess I would have been out of a hundred dollars. I have read many reviews and I don't like what I'm reading. So I will be removing my funds and finding another bank SOON!
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Bad Investing
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PITTSBURG, PENNSYLVANIA -- My mom died 6/09 and left my Brother and I a million dollar trust fund Through PnC bank. A single trust to be divided which was silly in my opinion. PnC promised the fund would last long because it will make 5% per year but so far, every quarter has BIG minuses in front of money left. They have taken and/or lost about 400k so far. Last statement had a 70,000.00 loss to the fund. WOW this is horrible and I feel the bank is plain out ripping me and my bro. off!!!!!!!
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bob93 on 10/14/2011:
You better see a lawyer that deals in trusts.
DebtorBasher on 10/14/2011:
I agree with Bob, you have to get an attorney involved, especially with that amount of money being involved.
Clamshell on 10/14/2011:
Cut the lawyer out and get your stuff now! Demand a real accounting... could be he's overbilling (nah... lawyers never do that) or otherwise frivolously wasting the available assets, which would go against his "fiduciary duties".

Get the $$$ and put it in tax free munis.

traceylynn on 10/15/2011:
was it a *true* trust fund or an investment fund? If it was an investment fund with the turn in the market it could be very true it has lost 400k. If not you need to get a true accounting like the poster said above and figure out what is going on. Also if she had bills owing did they take the amounts out of it? That is a possibility too. Good luck to you and condolences
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Electronic Transfer Limits
Posted by on
You have to drive to a physical branch of PNC Bank, withdraw cash, and then physically deposit money into a competing bank if you want to move more than $2,000 or have it available for withdrawal in less than three days! Good luck if you want to move more than $10K immediately, as their branches won't give you that much cash and their cashier's checks still take a day to clear. Welcome to PNFee Banking.
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