PNC Mortgage Reviews

PNC Bank Is increasing my monthly mortgage payment by $120.00 dollars a month stating they contacted my home insurance and State tax authority. My property tax in 2025 was $1502.86 and was increased to $2139.22. Reviewing the state tax documents, this is a quote "Maricopa County has kept the primary property tax rate flat for FY 2026 at of assessed value, marking the ninth consecutive year without a county-level rate increase." I expect the same type of statement from Farmers Home Insurance stating costs have not gone up this week, because they are always good at informing me in advance of any price increases. Why do I have to investigate PNC assertions and spend 3 hours of my Sunday proving false statements? Unacceptable business practice (attached is the financial section I received to validate my statement).

When my mortgage transferred from Colonial to PNC, there was an escrow shortage. Despite many phone calls no one stated that Colonial does not require a two month cushion payment into the escrow account whereas PNC does. This resulted in a much higher shortage that was not explained until I asked questions. I got different reasons as to why my payments of the original shortage was insufficient to change my monthly mortgage payment. During a three hour period and multiple phone calls, I was disconnected several times and had to call back and restart my story over and over. I should have been proactively informed and I should not have gotten a different answer based on who I spoke to. Horrible!

PNC absorbed Colonial Savings Mortgage, and it has been a horrible experience since the first communication. Three time we have tried to set up automatic payments and PNC cannot handle this. January, we set this up and they stated we first needed to pay a one-time payment for January's mortgage and February's Mortgage in full as well.

Took out a HELOC as a short term measure to add to the purchase of a property while we were waiting for the sale proceeds of another. We paid our ungodly interest each month online, as well as payments towards principal. Several months in we were in a position to pay it off in full. Guess what.... nope. Cannot pay off the loan online nor pay it off in a PNC branch. You have to "mail in" a check. Ok, let me write a check for $300K and put in the US mail addressed to "lockbox". No risk in doing that. Unbelievable.

PNC is by far the most incompetent bank I have ever dealt with. They have depleted my escrow account by paying my home insurance policy premium twice within two days. After contacting them they reversed the charge. 3 months later they once again paid another insurance premium payout that I never authorized then claimed I didn't have homeowners' insurance. Complete sh!t show with PNC. We pay these incompetent fools to look after our mortgage and spend hours on the phone to correct their mistakes with our money. An untrained monkey would do better job.

PNC has a serious mail room problem, or mortgage payment handling problem. They are the ONLY entity where I mail checks and they get them weeks afterwards, and yes, some late with a late penalty. They need to be investigated by some state or federal institution. When I call, they tell me the mail is slow. WHAT? Ridiculous; only them.

About two years ago, PNC Bank took over the Mortgage on my home from Security Nation Mortgage Company. I had no say in the Matter as Security National just sold the Mortgage to PNC. At first, it went smoothly, but I did start to notice that they constantly did escrow "shortage" checks and kept upping the monthly payment. The real issue with them and it's a big one came after our home was damaged during Hurricane Helene in September 2024. After dealing with our Flood Insurance company and finally getting a Settlement check in January of 2025, they made the check out to myself, my wife and since they were a Lien holder, PNC bank as well.

PNC acquired my mortgage loan and trying to pay off the loan has been a nightmare. Never have I experienced such difficulty and lack of customer service. PNC needs to be investigated, there are too many similar complaints relating to mortgage loan payoffs. Loan payoff process is antiquated at best and NO customer service. They will only fax or mail payoff information; no access to fax, go to a branch, and they will provide information and receive payments. If you work 8 AM to 5 PM weekdays, branches are closed before you can get to them after work, very few branches open on Saturday. I was told you can drop off your payoff check at the branch for processing. Wrong!

Updated on 07/15/2025: PNC Bank Loan Dept. is the worst! See below. I just received notification that HELOC Hardship loans ** and ** have not been paid to date. I am concerned the following Cashier Checks have not been received to date for the Hardship HELOC loans.

At first when I bought my home, initially was with Neighborhood Loans. They transfer my loan to PNC. I think that, that was the worst it had happened to me since it seems like they don't know how to do their math right. Supposedly I'm always short on my escrow account. Every year they're trying to make me pay more for my monthly payment, this is every year I'm tired of it. Not sure what exactly is going on, but it seems like the money magically disappears.

When my husband and I started our mortgage loan adventure, we wanted to start with PNC as we use them for our everyday checking. We took the time to compare interest rates for a 30-year fixed conventional mortgage loan and found that PNC had the better interest rates, so it helped solidify our initial interest in applying with PNC. At first, we had an assigned loan officer who was super responsive and quick with her replies helping us get everything submitted for the initial application process. Her name was Angie, and she really was super sweet and helpful!

PNC Bank was holding the mortgage for my home when I filed for divorce. Despite the fact that my ex wife, who assumed the mortgage are highly qualified, they dragged out the process for 5 months. When you can get approved for a home loan in 30 days, but apparently can't requalify for the same home loan without months of delay, there is a problem. PNC doesn't make as much money in the process and would prefer a re-finance to a higher interest rate. The process was grueling from start to finish. I will avoid PNC Bank every time I have an option!

This is review is specific to how PNC handles mortgages. My mortgage was initially through another company but was sold to PNC which seems like standard practice the mortgage industry. I have no complaints about the initial mortgage company, but I do have complaints on how PNC is exploiting my unfortunate life event.

I have not been able to talk to a human for over 2 weeks. They will send a useless email with a number to call only to find out their service center is closed. I am not able to talk to anyone to resolve an issue that is costing me extra money. Also their escrow analysis is sure to increase your mortgage payment each year and they state there is nothing you can do about it. Even if you pay it upfront.

Our house caught on fire 3-17 Homesite ins. From Progressive sent a letter in June saying they were going to drop us for issues their own adjuster verified were now repaired and up to code they dropped our insurance and blackballed us from getting insurance for over a month. Stayed in touch with PNC EVERY STEP OF THE WAY. Found new insurance and meanwhile PNC forced no interior coverage insurance for $3,068.00 a year my insurance is $2023.00 a year. They will not fix the issue, want to back date insurance and charge me another $500 and make me pay two insurance policies for a week and when you call verify who you are sit on hold 37 mins. Tuesday and hung up on. Today 23 mins. Hold and hung up on. Disrespectful, uncaring people.

Worst ever. After 12 years of automatic payment referred me to collection for 650 dollars I wasn’t aware I have to pay through certified check. And the customer service can care less and being all arrogant telling one day late means collection and after I paid the supervisor Mathew refuse to submit it to Credit bureau saying it’s not our fault why should I do this favor? Worst ever stay away if you can. They ruined my score

NEVER AGAIN! Horrible experience trying to sell my house; you would think they'd want their mortgage paid off. Throughout the process of trying to get the necessary paperwork so I could sell my house, I contacted PNC numerous times BEGINNING in April after I hired a realtor. The house had a buyer immediately, but continuous issues with the bank prolonged the closing. I have made numerous complaints along the way, The issues I had include the following

Please let me share our experience with PNC Bank. We had a new truck financed through PNC Bank. We wanted to find out when our first payment was due. First let me say my husband is a 81 year old heart patient, he is not computer literate. I have to help him. The agent ask four times for a cell number. My husband gave him my cell number. He said he needed to verify him by sending a code. Each time he send a code (he send 5 codes) either I or he repeated the code. The agent said that he could not verify him as I was reading the code. My husband got so upset that his blood pressure went really high and started cussing him out. All I was trying to do is help my husband read the codes.

My family has had a terrible time since my dad died. We have never been late on payment! They started foreclosure and was getting ready to auction it off. I have hired an attorney to stop everything and we have been trying to get payoff. They sent the payoff with. $12,000 fee for their attorney. Would love to know how to start a class action lawsuit.

I have had problems with this mortgage for the last ten years! First they failed to post automatic payments from my bank, so I went with paying IN PERSON. Then they close one location after another, so there are no branches near me. I tried paying by mail, they do not open mail (more fees to stop payment on lost checks). Pay by phone works, but you have to spend about 30 minutes going through all their prompts, and I have often gotten disconnected and have to start over again. Now I am trying to pay extra toward the principal so I can finally pay this loan off once and for all, and they simply do not acknowledge electronic transfers from my bank. They are actively preventing me from paying off my loan (just trying to collect more interest).

I have had a very negative experience with them. I applied for a HELOC for 1/3 value of my property which is totally paid off and currently mortgage fee appraised for $3 million dollars and I have excellent credit score and the only payment I have is an auto loan of $800 a month which was getting paid off by the HELOC. Their approval was 10% of my monthly income.

Horrible mortgage place. From my application to servicing my mortgage, they have been horrible. My realtor didn't even like them, however I gave them a chance to get better. Worse mistake. They are not helpful, friendly, time conscious nor consumer oriented. Please look elsewhere for your mortgage need. You will be glad you did.

We got a mortgage loan and wanted to pay off some money towards the principal later - so that we could recast. Regular retail banks usually complete the recasting process in less than 20 days. But with PNC, from the time, we contacted them until they actually applied our additional payment towards the monthly payments - it took 2.5 months. All this is intentional and predatory. While they have online process to do things quickly when obtaining a mortgage, they intentionally delay things during recasting by taking their own sweet time with paperwork. They will take the $ from you, keep it free of cost for over 6 weeks. And, their customer service - is a SHAM, you can shout all you want, but no action.

I am deeply disappointed and frustrated with my recent experience with PNC Bank. After they acquired my loan, I faced significant hurdles in setting up an online account for payments. Despite multiple attempts and calls to customer support, I was continuously informed that the online portal was down. I was reassured that I was within a 60-day grace period and would not face penalties due to their technical issues. However, this assurance was quickly contradicted by threatening letters about foreclosure and loan default, creating unnecessary stress and confusion. It took over a month and numerous calls to finally set up my account, and even then, there were additional delays due to the bank's process of linking external accounts.

At the beginning of 2023 I was looking for a 75k 2nd mortgage to do work on the house. Interest rates at the time were about 3.5 % to 4%. If I spent the entire 75K. My monthly payment would be in the $400 range which I said. Yes, budget can afford that. I totally understand variable rates and how the rates can increase and your monthly payment will increase. One of their selling points Was you could lock this in to a fixed rate at any time. I will get to this confusing nightmare a little further down. So By the time I've spent the first 58K. Interest interest rates have gone up Significantly, So I do not want to lock it in yet. Rates are up around 8.3% and my monthly payment was about $580 For the 58K spent. We've got the bulk of the work done and we're gonna hold off on the rest until payment comes down.

My mortgage was bought out by them in April 2023, since then they: Increased my monthly payments without giving me reason. Didn't pay for homeowners insurance so I had to pay for it myself (it's supposed to be covered in my payment). Canceled my application for checking account (only way to pay online and set up auto payment on a specific date), so they just take the mortgage payment from my current bank account whenever they want instead of allowing me to set up a scheduled time. This has been one of the worst and most predatory experiences of my entire life.

Predatory and awful. Their website is terrible. They bought my mortgage. I tried to make an extra $200 payment towards principal. They double charged my mortgage and added 200. When I called they said they had to "request my money back" and that I would gave to wait for a check in the mail for their mistake. GENUINELY AWFUL AND PREDATORY. Also, after stealing my extra mortgage payment and me calling they said that taking an extra 200/month wasn't doable unless I filled out a few forms (didn't tell me prior to taking my money out).

Predatory. They threatened to charge 36k for homeowners insurance when price of policy is 6k. Awful customer service. Awful culture in the institution. They never follow up on their promises or calls. Worst bank I have ever dealt with by far. Go elsewhere!

Ever since this bank took over my mortgage, I have had nothing but problems. They didn't pay my taxes so it went delinquent, I received delinquent letters so I call to ask them and they said they would take care of it, two months later it still was not paid. I turned around and paid it along with the late fees. I called and asked them about it and they did a so-called investigation just to come back and say that my taxes were current. I knew that because I paid for it. Now they send me a letter that my escrow is $2k short so I asked them why they claim that it's because they paid all my taxes. Not, because I paid for it, so they asked me for proof and I send them my information and they still claim that they paid for it. This is the worst mortgage company to deal with.

Avoid at all costs! Mortgage was sold to them and, long story short, they’re horrible in every way…Frequently providing inaccurate and conflicting information, typically failing to provide attendants with sufficient notes on account to answer questions, and refusing to provide access to any level of support beyond those attendants. I’m seriously considering getting a new loan, at a worse rate, simply to ensure I never have to deal with again. Don’t get stuck, like me, especially with so many alternatives

PNC Bank did not file my signed paperwork to lock in my rate. Had to resign 2 months later & was told I will get my original rate. When it came time for my payment they wanted me to pay the higher rate along with my locked payment. Costing me over $1000 more. Tried to work with customer service for over 3 weeks & got nowhere. Their customer service is horrible. I would not deal with this bank if at all possible!

Refinanced with PNC. Paid two month advance payment. A year later changed payment method to twice monthly, paid another two month advance charge. 6 months later I told PNC that I was canceling my homeowners insurance because they were tripling my insurance. Told insurance company too. PNC had paid my escrow a week earlier. PNC then paid my escrow again a month later. They admit that they double paid but because of hurricane claims my problem would have to wait. A week later they doubled the automatic withdrawal from my account. No notice! Severely over drafting my account! They overpaid by 5k and I am screwed for lord knows for how long! Customer service essentially tells me to suck it up until they get around to it! RUN FROM PNC!

Nothing but issues with PNC. They didn't pay the insurance renewal from escrow billed to them, then sent me a bill when they bought their own policy. Decided to payoff loan, and it was marked paid in full on their website. There was no place on the website to end auto pays, but hey, the loan was paid in full, right? Wrong! They took another payment after marking my loan paid in full, and said I have to wait 20 days to get a refund. I've had lots of mortgages over the years, but never have I had as many issues as I've had with PNC Bank. Highly advise avoiding them if possible.

Unfortunately I cannot tell the story with 200 characters. So, I shall cut to the chase; stay away from this company. They will lure you in with full confidence and assurance. Once you are on the hook they will slow down the process, drag until rates continue to move, make excuses, ask for repetitive information. No matter how cooperative you are, there is always a "but also need ...". Go with a specific mortgage company not a giant bank, all they care is fees and interest. Wasted 60 days. Lost a lower rate I could have had if I didn't fall for these Fraudsters...

PNC received my ACH payment then said that my bank did a stop transfer. So I checked with my bank and waited 3 days. My bank said and verified that they had not stop nor received back my funds. I received paperwork from bank, went to PNC to report and give them the paperwork from my bank. PNC then said it has to be your bank or you did something wrong when you set up ACH. I set everything up line their paperwork and customer service said to when I called the verifier I had done it right. Because PNC had just taken over my mortgage acct. Now going on 5 days later. They say it will take up to the 28th of the month to find out where my funds went to. And now I can not even set up next month's payment until this matter is taken care of. Worst customer service I have ever had. They make everything your fault and tell you so.

My mortgage was transferred to this bank and from day one I've been having nothing but issues. I was told in a letter that my automatic payments would continue and they included my bank's name and last four numbers of my account. Then a month later I get a letter saying my payment was late and that they don't have that information. I was unable to create an online account to see anything with them and spent hours on the phone. I was then told not worry because I wouldn't have to make a payment for a while due to it being a new transfer. That was incorrect and had to spend more time on the phone with them setting up the automatic transfer.

My loan was sold to PNC from AmeriSave as these things happen. I'm writing this review as I'm still on the phone with them to provision my account. I'm on my fourth person trying to help me. Each time, the person said they would get me some help, they just forward my call to the next person with no information, which means that I have told my story starting with my name, account number, blab, blab, blab. This is my first interaction with them. This is not the time to refinance, but as soon as I can, I will.

My wife and I were working with PNC on a HELOC loan. We both have 740 or higher credit with a debt to income ratio of under 50 and good income, we also invested over 120k in the property over the past 12 months. We started the process on 7/15/2022 and finally decided to use a different lender on 9/08/2022. The reason is because PNC used a drive by appraiser that undervalued our property by at least 115k. When we brought this to PNC’s attention and provided receipts and documentation, it was like pulling teeth to have them set up a new appraisal. When they finally did, it was the same appraisal company, but this time they came into our house.

We are applying for a Home Equity Line Of Credit. Since the first week of June, we are applying for a Home Equity Line Of Credit!! Still In The Application Process!! Since the first week of June!! We are simple people, living a simple life, both retired, no investments, one mortgage, 2 credit cards, no other loans, and living in the "principal residence". We have 82% equity in our home.

I have had a PNC Mortgage for many years, but have found their customer service in recent months wanting; in decline. As of about a year ago it was easy to mail in a principle only payment in-between the regular monthly mortgage payment, and see it correctly reflected in my online account a day or two later. In recent months, after mailing in a principle only payment, it would show up as a regular mortgage payment, and I would have to call in to have it corrected. This would take up to 10 days for it to then reflect properly. At one point the customer service person said I could do a transfer online. I tried that today, but it does not work. It won't allow for a payment less than the amount of the usual mortgage payment. Nowhere is there a function for principle only.