PNC closed 3.2% of mortgage complaints with monetary relief, above the typical rate

Who to call at PNC about your mortgage

Letters about a mistake on your account go to a post office box in Dayton, Ohio.

PNC Borrower Assistance for a home equity loan or line of credit

1-866-622-2657 PNC's hardship page also gives extension 44700 for home equity hardship questions. Listed on pnc.com · checked Oct 23, 2026

Hardship application by email (PDF, JPEG or Word files)

haa@pnc.com PNC lists PDF, JPG and similar files for email attachments. Listed on pnc.com · checked Oct 23, 2026

Hardship application by fax, with PNC's cover sheet

1-855-288-3974 Listed on pnc.com · checked Oct 21, 2026

Hardship application by mail

PNC Bank, Attention: Central Receiving B6-YM14-01-T, 3232 Newmark Drive, Miamisburg, OH 45342 This is the address for the completed application and its documents, not for payments. Listed on pnc.com · checked Oct 23, 2026

PNC's mortgage transfer team, for a loan just moved to PNC

1-888-581-8960 PNC lists this team for questions about a loan transfer. Listed on pnc.com · checked Oct 23, 2026

PNC's line for servicemembers and the Servicemembers Civil Relief Act (1-844-PNC-SCRA)

1-844-762-7272 The Servicemembers Civil Relief Act is a federal law with protections for people on active military duty. PNC's contact page lists this line for Monday to Friday, 8:30 a.m. to 4:30 p.m. Eastern. Listed on pnc.com · checked Oct 21, 2026

American Default Research is independent of PNC and the government.

PNC takes mailed payments at one of two addresses, depending on your state, with separate addresses for overnight mail, listed on its payment page.

For a payoff amount, PNC's payment page says to call its payoff representatives at 800-822-5626, the customer line above.

PNC answered every recent CFPB mortgage complaint on time

PNC answered all 647 mortgage complaints it got through the CFPB from January 2025 to October 20, 2026 within the CFPB's deadline. Below, the typical large mortgage company means the median, or middle, company among the 40 other companies with at least 200 complaints since January 2025. Its on-time rate was 99.93%.

On time means PNC replied before the CFPB's deadline, not that the reply fixed the problem. The CFPB data marks 0 PNC answers late in 2025 and 0 in 2026 through October 20, 2026.

The bigger difference is in how complaints were closed. Monetary relief is the CFPB's term for a complaint closed with the company giving the borrower money. PNC closed 3.2% of its complaints that way, against 0.5% for the typical large mortgage company.

Of PNC's 647 complaints in that window, 85.5% were closed with an explanation, 3.2% with monetary relief and 1.4% with non-monetary relief, such as a corrected record. The remaining 9.9% were still in progress on October 20, 2026. A company can reply on time and still have the complaint open while it works on it.

The CFPB says on its complaint database page that complaints are "only published after the company responds, confirming a commercial relationship or after 15 days, whichever comes first."

A complaint is the borrower's side of the story. Complaint counts are not adjusted for the number of loans serviced.

What borrowers complain about →

How PNC's complaint count compares with last year

PNC drew 336 mortgage complaints from January 1 to October 20, 2026, up from 238 in the same days of 2025.

PNC's yearly count peaked at 931 in 2014 and was 311 in 2025. In 2025, PNC ranked 18 of 75 mortgage companies in this comparison by mortgage complaints, where first place had the most. The chart below shows complaints received each year from 2014, with the latest year running to October 20, 2026.

1. Why complaint counts need a loan denominator

   A company with more loans will usually draw more complaints. PNC's quarterly report says it collected payments on $209 billion of home loans owned by other investors at June 30, 2026. That figure leaves out loans PNC keeps itself, and no recent filing we read gives a loan count. So we compare shares, not counts, with other companies.

   Source: PNC Form 10-Q, quarter ended June 30, 2026

If your loan just moved to PNC →

Regulator orders and court cases involving PNC's mortgages

These are the orders, settlements and cases we found about PNC's mortgage business, newest first, each read on the regulator's or court's own document. Each entry says whether PNC admitted anything, and quotes the document where it speaks to that. A servicer is a company that collects mortgage payments, as PNC does. A consent order is an order a company agrees to without a trial.

1. Feb 2, 2026

   U.S. District Court for the District of Maryland Proposed class action (Lyons v. PNC Bank, N.A.), no class certified

   A borrower alleged that PNC broke the Truth in Lending Act, a federal consumer credit law. The borrower alleged PNC took money from the borrower's deposit accounts to pay a home equity line of credit first opened with National City Bank, a bank PNC took over in 2008. A class action is a suit filed for a whole group of people. In February 2026 the court ruled for PNC on the borrower's own damages, denied the rest of PNC's motion, and asked for more briefing before deciding on a class.

   Admitted wrongdoing? No court has found PNC liable, and no class was certified. The claims remain allegations.

   Status: The CourtListener docket available on October 21, 2026, ends with the court's February 2026 opinion. HELN News reported a settlement and April 2026 dismissal without terms. · Lyons v. PNC Bank, memorandum opinion (D. Md.)

2. Jul 18, 2022

   Office of the Comptroller of the Currency (OCC) Consent order with a civil money penalty

   The OCC found that, since at least 2016, PNC failed to force-place flood insurance on time on home loans that needed it. A third-party servicer handled that work. The OCC noted PNC found the problem itself. A civil money penalty is a fine paid to the government.

   Admitted wrongdoing? "The OCC finds, and the Bank neither admits nor denies"

   $2,614,456 penalty to the government; no money to borrowers stated

   Status: Order issued; penalty assessed · OCC consent order 2022-031

3. Feb 18, 2022

   U.S. District Court for the Central District of California Class action settlement, final approval (Corona v. PNC Bank, N.A.)

   California borrowers whose loan servicing PNC took over claimed PNC wrongly charged fees to pay by phone or online. The settlement covered fees charged from June 22, 2016 to March 16, 2021. Each loan got a check, sized in proportion to the fees its borrower paid.

   Admitted wrongdoing? No. The court's approval order says PNC "denies liability in this case."

   $661,793.51 settlement fund, before court-approved fees and costs

   Status: Closed; leftover money went to the nonprofit Public Counsel under a November 2025 order · Corona v. PNC Bank, final approval order (C.D. Cal.)

4. Jun 23, 2018

   U.S. District Court for the Southern District of New York Whistleblower suit dismissed (U.S. ex rel. Grubea v. Rosicki)

   A whistleblower, or qui tam, suit is one a private person files on the government's behalf. This one alleged that foreclosure law firms billed inflated costs that servicers passed on to the government. It named PNC among several servicers. The government declined to join the claims against the servicers. A dismissal with prejudice bars refiling the same claims.

   Admitted wrongdoing? Not applicable: the court dismissed the claims against the servicers.

   Status: Claims against PNC and the other servicers dismissed with prejudice on June 23, 2018 · Grubea v. Rosicki opinion (S.D.N.Y.)

5. May 1, 2018

   Office of the Comptroller of the Currency (OCC) Civil money penalty

   The OCC assessed the penalty for what it called a pattern or practice of violations of the federal flood insurance law.

   Admitted wrongdoing? "without admitting or denying any wrongdoing"

   $207,245 penalty to the government

   Status: Order issued; penalty assessed · OCC order 2018-030

6. Jan 12, 2018

   Federal Reserve Board Civil money penalty; 2011 consent order ended

   The Fed fined PNC's parent company over the mortgage servicing and foreclosure conduct covered by the Fed's April 2011 consent order. The Fed ended that order the same day.

   Admitted wrongdoing? No. PNC consented to the penalty without admitting the conduct. The order says PNC "allegedly failed to provide effective oversight" of its mortgage servicing.

   $3,500,000 penalty to the government

   Status: Fed order terminated January 12, 2018 · Federal Reserve penalty order, January 12, 2018

7. Jan 9, 2014

   CFPB and U.S. Department of Justice Consent order entered by a federal court (W.D. Pa.)

   Conduct by National City, which PNC later took over

   The CFPB and the Justice Department alleged that National City Bank charged Black and Hispanic borrowers higher prices on mortgages made from 2002 to 2008. The complaint was filed December 23, 2013. The CFPB's page describes an April 2026 change to the disparate-impact rule under the fair lending law.

   Admitted wrongdoing? "Successor neither admits nor denies Plaintiffs' allegations."

   $35,000,000 for affected borrowers, paid by PNC as National City's successor

   Status: Terminated, the CFPB's page says · CFPB enforcement action, National City Bank

8. Feb 28, 2013

   Office of the Comptroller of the Currency (OCC) Amended consent order

   This amendment to the 2011 order replaced the review of past foreclosures with payments. The cash went to a fund for borrowers whose homes were in foreclosure in 2009 or 2010. A second amount was foreclosure-prevention help, such as loan modifications, counted by formula rather than paid as cash.

   Admitted wrongdoing? "without admitting or denying any wrongdoing"

   $69,433,224 in cash to a borrower fund; separately, $111,093,158 in foreclosure-prevention help counted by formula

   Status: Terminated June 16, 2015 · OCC amended consent order 2013-124

9. Apr 13, 2011

   Office of the Comptroller of the Currency (OCC) Consent order

   The OCC acted against PNC and seven other large servicers over foreclosure practices. Its findings included that, in many cases, foreclosure affidavits filed in state courts weren't based on the personal knowledge they claimed. Affidavits are sworn statements. The Fed issued a parallel order against PNC's parent company the same day.

   Admitted wrongdoing? "The Comptroller finds, and the Bank neither admits nor denies"

   Status: Terminated June 16, 2015; the OCC's termination order says PNC had satisfied all requirements of the 2013 amended order · OCC consent order AA-EC-11-17, PNC Bank (April 13, 2011)

10. Apr 6, 2011

    Office of Inspector General, U.S. Department of Housing and Urban Development (HUD) Audit report

    Auditors followed up a complaint about National City Mortgage, which PNC had bought. They found PNC complied with HUD's loss mitigation rules for FHA loans, which are loans insured by the Federal Housing Administration, and that the complaint's allegations were unsubstantiated.

    Admitted wrongdoing? Not applicable: an audit, not a case.

    Status: Final; no recommendations · HUD OIG audit 2011-CH-1007

11. May 22, 2008

    U.S. Department of Justice False Claims Act settlement

    Conduct by National City, which PNC later took over

    National City Mortgage settled allegations that it sought FHA insurance on 58 loans that weren't up to date on payments when submitted. The settlement came before PNC bought National City on December 31, 2008.

    Admitted wrongdoing? Not stated in the Justice Department's release.

    $4,600,000 to the United States

    Status: Closed · Justice Department release, May 22, 2008

PNC's latest annual report, for 2025, names no specific mortgage lawsuit or mortgage enforcement action (Form 10-K). The only CFPB action we found involving PNC concerns National City's lending before PNC bought it. We found no state action in the searches we ran.