PNC Mortgage Reviews

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.

PNC Bank, is the worst bank, when it comes to mortgage. We had terrible experience with them. They are very unprofessional, unresponsive, careless to their clients. We have filled the online application, and gotten pre-approval. They have checked our credit scores, and had verified, our income, and all required documentation, prior to pre-approval, our application was denied by the underwriter, for having names, they did not like. The reason for denial is the new house, "that we provided the address for", before we put a non-contingent offer on, and confirmed the "Go Ahead "with the loan officer, before we wired, our deposit, that it was in close proximity to our, current address. They did not bother to investigate, verify or discuss with us, the issue, after 4 weeks of signing our contract, they send us the denial letter.

Their online payment system is so bad that I had multiple late payments due to clicking the wrong “make a payment” button (there are multiple!) - I had to have someone walk me through how to literally just pay my mortgage. I am a millennial who took a took of online courses in college, has worked virtually for years, etc. and I couldn’t even navigate this website because of how poorly it’s designed.

Just tried to use PNC for a HEL. They were slow in processing and follow-up, etc. and VERY conservative with their appraisal. I get it...because of the housing bust a few years ago banks are more conservative in their appraisals BUT ours came back so ridiculously low. I mean, we refinanced our house a few months ago to get a lower rate (with a different lender) and their appraisal earlier this year was $35,000 higher than what PNC just said. How can that be? Our county tax appraisal just got bumped to the higher level so even they get this market (even though I don't want the higher taxes!).

10-22-21 PNC is NOT CLIENT FACING at all! Can't reach Corporate either regarding several issues: 1) Their C/S phone systems are incompetent & keep hanging up when I'm being a loyal customer to pay early on my HELOC. Then they want to charge for using a C/S Rep. This is bogus! 2) They, in the past (very rare 1-2 times in a decade did I miss the exact due date on the HELOC - NEVER, EVER in 15 years late on the PNC primary Mortgage, in fact, am typically a month or two - or even three ahead on that!!!!) reported me late without sending a Confirm via mail Certified so they must take it off my Credit Report, which they didn't tell me they were required to by LAW, after refusing to remove the 1-2 lates on appeal! They just want to ding my credit = nasty! Can't reach their Executive Offices! NIGHTMARES in dealing with PNC... on two loans.

I did a ref-fi on a first trust and an equity line. I wanted to combine the two into one loan, get a better rate and shorten the term. One of the loans was already with PNC and I do all my regular banking with them also. As with any loan, PNC had me digging through months of statements, tax forms, old and current mortgages, voluminous docs, etc. No problem. I get it. When I send them something and a month later they need it again, contending they never got it the first time. Again, I get it. I've been through enough mortgage applications and re-fi's over the years and sometimes it is infuriatingly slow and redundant but that's how it is. The sloppiness can result in your closing date being moved several times while they again request some doc you gave them weeks before. But I can still handle all this.

I recently went through a loan process through PNC and it is the worst banking experience I ever had. The complete lack of communication, professionalism, and how things were handled was baffling and honestly blowing my mind even to this day on how bad this was. We got our closing delayed twice, the sellers almost back out, even on the day of closing, our escrow office did not get authorization to close and had to call them repeatedly (myself, the escrow officer and the agents) to get confirmation. I thought how bad the process would be and it is BAD. Please save all your stress, anxiety for something else and DO NOT use PNC Mortgage! It is the worst!

PNC has the most incompetent and uncaring staff I have ever worked with. My mortgage was bought by PNC so I decided to refinance my mortgage to lower my rates. I started the process in November of 2020. First Chris ** took the application and charged me a $900.00 appraisal fee and $269.00 for a survey, so I'm out almost $1,200.00 right from the start. Then he needed paycheck stubs and bank statements for a whole year.

6 days prior to closing, the loan dept missed HOA documents which was not asked for 30 days prior. Follow up to phone calls, or trying to talk to a person was difficult but once we were able to find out the issues, it was also someone else's problem. Loan dept manager told me that he/she had too many meetings and that they had spent too much time on our issue. Their mistake delayed closing 2 weeks and an additional $4K in moving and storage costs. From an experienced home buyer (16 times)

Worst experience dealing with mortgage servicer ever, and they only received my mortgage this month in a transfer. Awful customer service, was on the phone over 2 hours today trying to figure out how they so badly messed up my mortgage amounts. Somehow a fictitious lien has appeared on my account, even though I have proof that I've NEVER had a lien. Realizing they've messed up, instead of admitting it, they said they'd conduct a "review" — that would take over a month?? I'm so beyond frustrated with them and their incompetence. I don't understand how you mess up a mortgage transfer this badly.

It was ok mortgage. They refused to refinance my mortgage despite vastly investment assets and cash and retired (no ongoing salary) and our over 800 credit history rating. I'm very disappointed the way they behaved financially. Had no problem paying on time for the past 20 years.

We just recently completed a HELOC. We closed on Thursday and right of rescission expired Monday, which means funds should be available on Tuesday. We are still unable to get any answers On Friday. We are being told they can’t find the loan on the system. We have a contractor that we promised funds in Tuesday. No one can tell us anything. Local branch can’t even get an answer. No disclosures indicating when a HELOC can be accessed.

PNC paid my taxes late. It took 4 months for them to make the correction at which time my home was scheduled for foreclosure because of late fees that PNC did not pay. My escrow account is now incorrect and I have been overcharged $800. I have tried for 4 months to resolve the issues but the customer service department will not return phone calls. I cannot reach a manager or supervisor because they don't directly answer their phone; you can leave a message but no one calls back. I am now forced to engage an attorney and I will report PNC to the Consumer Financial Protection Bureau. Do not allow PNC to escrow your taxes!!!

I paid off my mortgage in full. The following month, they took another payment out of my account. I have spent hours on the phone trying to get this straightened out and it is a nightmare. You would think it would be simple but I guess when you are dealing with an incompetent company it is not. Customer Service has been a nightmare since day one and I thought I was finally done with them but I'm not. Stay away, there are many other reliable and customer focused mortgage companies out there.

Good service. PNC actually was very flexible and communicative about the entire house-buying process with their financial loans and lending options. They allow you to keep the same agent for all the application procedures and then when transferring to the next portion, they have both the app agent and lending agent working together until all details and explanations have been done with the customer. Would truly recommend.

PNC Mortgage bought out my mortgage from my original mortgage company. If you don’t need any help or a response to a question, or requests for information, they are fine. But if you need information, or responses to requests for information, this is not the mortgage company for you. Very poor customer service and I would not recommend doing business with them when there are many other mortgage companies with strong customer service.

We have had a car loan since Oct 2015. No less than 4x have they failed to withdraw automatic payments for my car loan. Which only then 2 months after the fact [in each instance] do they reach out to you with a letter saying you're in default. When you call no one seems to have an answer, or you get different answers from different people. They have strange policies, which is why it turns out my payments weren't being withdrawn on time. That are never explained to you in the first place. Probably because the employee you talk to doesn't even know.

I am a real estate agent in the Tampa Bay, FL area. Typically, I recommend that my clients use local mortgage brokers instead of big banks because the experience is leaps and bounds better. In this instance, my client was purchasing a townhome and decided she would use PNC for the mortgage, as they are who she banks with. PNC assured us that we would be able to close in a little over a month, with an original closing date of November 30, 2020. PNC began requesting all of the standard items mortgage companies request, no problem. The first problem came when they began requesting items from the client that they should have been obtaining on their own.

I am in the Army and was transferred from California to New Jersey. About a month before my move I applied for a home loan through PNC. They got all of my documents and I got a pre-approval. I made an offer on a house and moved my family across the country only for PNC to back out a week before the closing date. I am now pretty much homeless 2 weeks before Christmas. Their reasoning was because a rental property (also through them) was not claimed properly on my taxes from 2 years ago. They had my taxes for over a month. I explained that the house was my ex-wife’s that year but that I could do an amendment and could show leases and receipts from the tenant paying. They still said no. Thanks, PNC.

I bank through PNC and figured I would use their mortgage services to buy a house. The service was very poor at best. The loan officer didn't communicate, she repeatedly requested info she already had, delayed the closing date 3 weeks, and cost me an additional $1,500. I ended up not going through with PNC because of the constant delays and awful experience. They refunded me back some of the money to try and rectify the situation, but it did not even cover the additional expenses accrued. Please do not waste your time.

Be aware. PNC takes no time in collecting mortgage payments but when it comes to reimbursement of escrow amounts once you pay off your loan they take their sweet time and make interest on your money. It has taken close to a month since my loan was paid off and I am still waiting on these bastards to refund over $3,500 in escrow they owe me.

PNC has had my original mortgage for many years. I initially refinanced in 2015 expeditiously with no problems. It was all done locally. I started my most recent refinance process in July 2020 and just closed this month (November). I dealt directly (barely) with two PNC employees who were both in different states, one in Florida and the other in Ohio. I'm not sure where the underwriter was located but I think the title company rep was local. Believe me this was the most stressful and aggravating business process I have ever endured.

I started my refinance process in August of 2020. I am a long time PNC customer and my mortgage has always been in good standing. I have a large amount of equity in my home and I am a solid borrower with no crazy circumstances. I was told that they were a little back logged with their underwriting process but that I should close no problem in 90 days or faster. I paid for the appraisal $850 and my fee to pull my credit $31. I provided all the necessary documentation they asked for in a timely manner. All information was in house at PNC by mid September. I waited....and I waited. I called several times for a status update.

I initiated a refinance with PNC Mortgage in June 2020 because I already had an existing mortgage with PNC. It is now Mid October 2020 and I cannot reach another human or the bank clerk that I started with in June 2020. Nothing changed, same address, same job, increased appraisal, etc. I would not recommend using PNC and I see there are quite a few others that have experienced the same issues. I wish I had read the reviews before I made the commitment.

Has been going through excruciating process of REFI for an already existing mortgage through PNC where these folks have my history. Every week, there is request for inconsequential records/ documents delaying the REFI by almost 5 months. Very disappointed.

PNC has pushed the closing on the sale of our home 6 times after requiring 60 days initially to close. Their loan officers went on vacation and didn't hand the file off to any other person. After numerous inquiries as to what is continuing to push the closing out, after the clear to close, the bank is blaming it on the buyer who has submitted all their paper work twice. Horrible company to deal with. We still haven't closed and there are no explanations. No we pay about the mortgage payment. Do not consider working with PNC.

I applied for my mortgage 4/20. My house was ready to close mid July. Since time passed, PNC needed to re-run credit and asked for pay stubs, bank statements, etc. Every day from this processor he said, "We just need one more thing and we are so close to closing." He dragged this on and on and kept requesting more information. Guess what, I closed mid Aug. The day of the closing, the title was still not correct because the processor had the wrong names on it. He was fired two weeks before my closing. I wonder why? Everything was a mess and PNC cost me tons of money in hotel/storage costs and other expenses. I plan to refinance after my first payment. I made a complaint to BBB and they were no help. PNC never offered to reduce my closing costs despite the delays which were totally on their part. I had probably 5-6 closing dates. Very upsetting for me and my son. Never again!!! Go to your local bank. You may pay .50 pt more, but you will get customer service - not at PNC. Because of them, I could have been in my house in july instead of aug.

Applied online for a mortgage, didn't hear anything. Received an email a week later and haven't heard from anyone. 72 phone calls later (calling 5 times a day and leaving multiple messages to the loan officer assigned to me (Suzanne **)), still haven't heard a word.

PNC Mortgage bought my loan years ago. They have charge me late fees without explanation and forced me to pay, I pay on line only. There was no option to pay just without the late fee. When I called and asked for my $ back and asked for an explanation why the late charge? They just said, "We do not write checks" and hung up. But they expect you to write one... Hmmmm. New tactic now, they call and ask you to pay on the day it's due? What???? I just don't get this bank- I will never do business with this bank...

This is the most incompetent group of employees I've ever met in my life. Property tax and hazard insurance increases are way too complicated for this company apparently as they keep collecting the same amount in my payment every month, regardless of the actual amount that gets billed by the insurance company and county tax dept. They pay the actual amounts just fine (thank god) but inexplicably can't/won't adjust the escrow collection amount so the escrow shortage account just keeps adding up. My payment stays the same (which is nice, but inaccurate). Calling in to inquire about the reason is fruitless, these people are boneheads, it's like talking to a wall! I'm refinancing away from this company, bye bye PNC!

Refinanced existing PNC mortgage thru PNC. They quoted me a monthly payment of $1200. A week before closing my settlement closure statement came in at $1350. I told them I wasn’t comfortable with that amount and wasn’t closing. Two days later I got revised settlement statement with payment back to $1200. I closed on loan. Six months later PNC raising my monthly payment back to $1350. Neither homeowners insurance or taxes increased so what’s the increase based on. Fighting with them for 4 months and they can’t answer that question. Those monthly payment numbers were deliberately changed so I would close on this loan.

I was pre-approved for a loan and found a house for an amount significantly less than the pre-approved amount. The loan went to underwriting and this represented the response from the underwriter, "I don't like that he is making less than he did in the previous two years, his debt to income ratio is 60%, and his student loans are in forbearance." The notion that my debt to income ratio represents 60% is outrageous considering my calculation is less than 35%. The underwriter should keep opinions out of the process.

The PNC lending department at the Jacksonville, FL branch are the most unprofessional lenders I have ever worked with before. They never respond to emails until they need something. Their lack of communication is very unprofessional. They act as if they never receive your emails when they miss something or make a mistake. You can send them all the correct paperwork and they will still say they are missing something because they lack the ability to check their emails properly. They do not reply to emails until after working hours and then act as if you are the reason for the delay. I do not recommend PNC to any of our clients and I never will! I never give bad reviews on lenders but this one just really needed to be done.

I started my application on april 1st for a home equity line of credit. I have a 801 credit score and my home is paid off appraised at 482K. I am a 1099 employee and have one credit card with a 590.00 balance. I have been a PNC customer for 35 years and my income is over 100K but I started a LLC November 2019. I was told I should ask for a 200K equity line which in fact I only needed 60K. They denied me for 200K saying my debt to income was too much.. And even denied 60K!!!! I don't have DEBT but they wouldn't listen. I would take a gamble on me 100 times over asking for 60K on a 482K house... TAKE MY HOUSE if I don't pay your couple hundred dollar a month loan.. geez.

So, my experience starts with a little background. My significant other and I were attempting to progress in our life at 27. We decided instead of moving apartments/houses we would just make a huge step in the right direction and purchase our first home but, we had no idea where to start. We contacted a few realtors and loan providers but, as it was our first time we were a bit weary so instead of going with an independent provider we decided to go for a corporation because we knew they would have the money to give us a great deal.

I thought PNC would be a good company for a new home mortgage since they were large and well known. I had a home equity line for over 10 years with them on my previous home and never had an issue. When I first requested the loan I gave the PNC agent all the info. He said it would be no problem as long as he had 30 days because it was 2 weeks before the holidays. We were scheduled to close on Feb 1st because we were closing on our house we had lived in for 25 yr on 01/31.

This may be a good mortgage company. It certainly does not provide a user friendly experience for their web page. I am not able to login. A new password was mailed to me after 5 days contacting them. I put in the new password and says it needs my phone number. I am not able to give them my phone number because it will not let me login. A perfect example of poor customer experience for their online account and structure. And they want more business!!!!

PNC is inept, incompetent uncaring unhelpful garbage of a company. Avoid at all costs. These companies and banks do not provide competent responsible service. They hope you give up and they keep your money and rip you off. They put you on hold again and again, play dumb and won't provide a supervisor. They just put you on hold and forget about you like a sick game. PNC is horrible!

On December 6 2019 I submitted my mortgage payment to PNC Bank using TD Bill Pay. Pnc is claiming that they never received the payment and gave different stories about my mortgage payment. At one point told me they received a payment but it had an invalid account number meaning that my mortgage account number was wrong but the number they claim to have is my checking account number so they had enough information to refund the money back to td banks which they never did.

If you are considering PNC Bank for a home mortgage please reconsider. We started the application process but withdrew after several errors and omissions. We thought the process would be easier because our current mortgage was with PNC Bank. Here's some of what happened, they omitted one of our incomes from the application, transposed our phone numbers, so each time we tried to use DocuSign we had to exchange phones, offered no advice when asked about questions on the application, overestimated that value of our home, and did not lower the estimate when asked to do so. Required an appraisal ($850) when other lenders said it was not necessary. We cancelled our loan application with PNC and we are about to complete the process with another lender, no appraisal required and a lot less stress. If you are considering PNC Bank for a home loan be prepared for endless problems and unnecessary fees.