Lending Hardship Service & Support

• Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments.​

• Navigate to PNC Online Banking and select your account. Click Make a Payment on your account activity screen to schedule a payment from a PNC deposit or external banking account.​

• Move money from your PNC deposit account to your lending accounts right from your home computer or mobile device.

• Navigate to PNC Online Banking and select your account. Click Transfer Funds on your account activity screen and select Make an Internal Transfer or Loan Payment.

Make a one-time same day payment using our Voice Banking service.^[1]​ If paying from a non-PNC deposit account, have your account number and routing number available.​

• For auto and personal loan customers only:
  Pay over the phone with Voice Banking by calling 1-888-PNC-BANK or (1-888-762-2265)
• For consumer credit card customers only:
  Pay over the phone with Voice Banking by calling  1-800-282-7541.
• For mortgage customers only:
  Pay over the phone with Voice Banking by calling  1-800-822-5626.

Make a payment with a PNC agent over the phone. If paying from a non-PNC deposit account, have your account number and routing number available.​

• Call a PNC agent at 1-888-PNC-BANK or (1-888-762-2265)
• For consumer credit card customers only: Call a PNC agent at 1-800-282-7541.
• For mortgage customers only: Call a PNC agent at 1-800-822-5626.

Visit a PNC Branch during normal branch hours to make a payment. The payment is effective as of the date the payment is made, although it may take up to 2 business days for the payment to be reflected on your account.​

Find a nearby Branch Location​

• Enroll in the Automated Payment Program and have your scheduled payment automatically deducted from your deposit account.​

• This free service allows you to have your loan payment automatically deducted from your bank account.​

• It may take up to ten (10) business days from the date we receive your authorization form to process your request. If you have a payment due within the next 10 business days, please contact us to make sure the automated payments have been set up on the account. You will receive a confirmation letter with the automated payment start date when your request has been processed. ​

• Authorization Form - Auto/Marine/Boat/RV Loan, Personal Loan, Personal Line of Credit ​

• Authorization Form - Home Equity or Mortgage​

• Authorization Form - Consumer Credit Card
• Authorization Form – Signature Line of Credit, Cash Reserve and Wealth Management Line of Credit
• For auto/marine/boat/RV, home equity, mortgage loan and personal loan customers only:​ Call 1-888-PNC-BANK or (1-888-762-2265) to have the form emailed to you to be submitted electronically.​
• For Personal Line of Credit, Signature line of Credit, Cash Reserve and Wealth management Line of Credit:​ Call 1-888-PNC-BANK or (1-888-762-2265) to have the form mailed to you.​
• For consumer credit card customers only:​ Call 1-800-282-7541 to have the form mailed to you.​
• Alternative option for mortgage loan customers only:​ Enroll in the Bi-Weekly Automated Payments Program and have half of your scheduled mortgage payment automatically deducted every 2 weeks from your deposit account.​
• Download, complete, and return the Bi-Weekly Automated Payment Authorization form to the address or fax number listed on the form, or to your local PNC branch.​

Auto/Marine/Boat/RV Hardship Assistance

Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in the loss of your vehicle, a negative impact on your credit score, or keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship.

To initiate a hardship assistance option, please complete the Hardship Application located at  PNC Bank Hardship Assistance. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation.  If you have any questions, please call 1-800-642-6323. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

One (1) Month Extension

• An extension moves the due date of an auto loan payment to the end of the loan and extends the loan term by one (1) month.
  

• The payment extended can be past due, currently due, or a payment not yet billed.

• At the end of the extension period, you will still owe the payments you missed, but in most cases, you will not have to repay it all at once.

• Although interest will continue to accrue during the extension period, you will not be charged fees related to the scheduled non-payment. Your credit will be reported based on the status of your loan when you requested the extension.

Three (3) Month Partial Payment Adjustment

• A three (3) month Partial Payment Adjustment reduces three (3) auto loan payments due to 50% of the contractual payment amount.
• The payments reduced can be past due, currently due, or payments not yet billed.
• The loan term is extended and can vary based on the amount of unpaid principal and accrued interest.
• If three (3) consecutive partial payments are made, the loan will be brought current at the end of the program with an additional extension if needed.

Consumer Credit Card Hardship Assistance
Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in a negative impact on your credit score or keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship, whether it is short-term or long-term circumstances.

If you would like to get started now, please complete the Hardship Application located at  PNC Bank Hardship Assistance. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation.  If you have any questions, please call 1-800-544-3623. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

One (1) Month Minimum Payment Suspension

• A one (1) month minimum payment suspension reduces the current payment due amount to $0.
• At the end of the extension period, you will still owe the payments you missed, but in most cases, you will not have to repay it all at once.
• Although interest will continue to accrue during the suspension period, you will not be charged fees related to the scheduled non-payment. Your credit will be reported based on the status of your loan when you requested the suspension.

Six (6) Month Program

• The account remains open but access to cash advances, overdraft protection and checks are disabled while in the program.
• The credit limit is decreased to the current balance, rounded up to the nearest $100, plus $500 not to exceed your current credit limit. A credit line increase can be requested after the program ends.
• All payments, including past due, are adjusted to a fixed percentage amount of the balance.
  
• The interest rate is reduced.
• After three (3) consecutive payments of the new payment amount are made within four (4) months, the account will be brought current.

Twelve (12) Month Program

• The account is permanently closed.
• Forfeiture of rewards points if not redeemed.
• Insurance is cancelled.
• All payments, including past due, are adjusted to a fixed percentage amount of the balance.
• The interest rate is reduced.
  
• After three (3) consecutive payments of the new payment amount are made within four (4) months, the account will be brought current.

Sixty (60) Month Program

• The account is permanently closed.
• If all payments are made, the account will be paid off at the end of the program.
• Forfeiture of rewards points if not redeemed.
• Insurance is cancelled.
• All payments, including past due, are adjusted to a fixed percentage amount of the balance.
  
• The interest rate is reduced.
• After three (3) consecutive payments of the new payment amount are made within four (4) months, the account will be brought current.

Settlement

• Please call 1-800-544-3623 to discuss your account eligibility. If eligible, PNC may agree to a  lump sum or fixed monthly payment less than the total amount owed to settle your account.

Home Equity Hardship Assistance

Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in the loss of your home, a negative impact on your credit score and keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship, whether it is short-term or long-term circumstances.

To initiate hardship assistance options, please complete the Hardship Application form online. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation. If you have any questions, please call 1-866-622-2657. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

Forbearance/Partial Pay Forbearance Plan

• Make reduced payments or no payments for a specific period of time.

• Allows you time to improve your financial situation and get back on your feet; however, the missed payments are not forgiven and must be repaid after the forbearance plan ends.

Reinstatement

• Pay the total amount you owe in a lump-sum payment by a specific date. This may follow a forbearance plan as described above.

• Allows you to avoid foreclosure by bringing your loan current when you can show you have funds that will become available on a specific date.

Modification

• You may be required to complete a “trial period” (i.e., a 3-month test period to see if the payments can be made).

• Permanently modifies your loan so that your payments or other terms are more manageable as a solution to a long-term or lasting hardship.

If you aren’t interested in maintaining ownership of the property and need debt relief, your options may include:

Pre-foreclosure Sales (Short Sale)

• If you can no longer afford to keep your home, a short sale may be an option to avoid foreclosure. This allows you to sell your home for less than the outstanding balance of your loan and may satisfy your debt (though not always).

Deed in Lieu

• With a deed in lieu of foreclosure, you'd transfer ownership of your home to PNC voluntarily to avoid foreclosure. 

Consider More Affordable Housing

• If you are not able to continue making your monthly payment, your best option may be to find more affordable housing. As an alternative to foreclosure, you may be able to sell your home and use the proceeds to pay off your current loan.

• Download the Checklist to help stay organized throughout the Hardship Assistance process.
• Download the Call Guide to help prepare for a phone conversation with a PNC Borrower Assistance Representative
• Download the Hardship Assistance Application Guide for step-by-step instructions on successfully completing the PNC Hardship Assistance Application

Complete the Hardship Assistance Application and submit electronically

Start Hardship Assistance Application (digital)

Note: You are required to authenticate using your online banking credentials to access the Hardship Assistance Application. If you are not enrolled in Online Banking, you will be provided a link to enroll.

OR

Complete the Hardship Assistance Application and submit via email, fax, or mail

Download Hardship Assistance Application

• Complete the Hardship Assistance Application.
• Compile all the supporting documentation referenced in application.
• Submit your completed Hardship Assistance Application and all supporting documents to:
  • Email: haa@pnc.com
    
  • Fax: 1-855-288-3974 (using the cover sheet provided), or
  • Mail to:

PNC Bank
Attention: Central Receiving B6-YM10-01-1
3232 Newmark Drive, Miamisburg, OH 45342

You've Submitted Your PNC Application.

• PNC will review your application and verify all documents for completion
  • Provided we receive your application at least 38 days before a scheduled foreclosure sale.
• PNC will determine your eligibility for a loan modification or other assistance options
• PNC will complete the eligibility process within 30 days from the time we receive your complete application
• After our review, you will receive a written determination letter offering you all loan assistance options for which you qualify

Notices of Error or Information Requests: To assert an error or to request information regarding your account, you must submit the notice of error or request for information in writing to: PNC Bank, PO Box 8807, Dayton, OH 45401-8807.

New York Borrowers Only: You may file complaints and obtain further information about PNC by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at WWW.DFS.NY.GOV.

Mortgage Hardship Assistance

Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in the loss of your home, a negative impact on your credit score and keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship, whether it is short-term or long-term circumstances.

To initiate a short-term hardship assistance option or if you are an FHA or VA borrower and are experiencing a hardship, the request must be made by calling 1-800-523-8654. There is no documentation or form required to initiate this payment assistance option, but you must call us to request and determine eligibility. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

Forbearance Plan

• Make reduced payments or no payments for a specific period of time.

•  Allows you time to improve your financial situation and get back on your feet; however, the missed payments are not forgiven and must be repaid after the forbearance plan ends.

Reinstatement

• Pay the total amount you owe in a lump-sum payment by a specific date. This may follow a forbearance plan as described above.

•  Allows you to avoid foreclosure by bringing your loan current when you can show you have funds that will become available on a specific date.

Repayment Plan

• Provides a defined period of time to reinstate your loan by making regular payments, plus an additional agreed-upon amount in repayment of the delinquency.

• Allows you time to catch up on late payments without having to pay a lump sum.

To initiate the long-term hardship assistance option listed below, please complete the Hardship Application form online. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation. If you have any questions, please call 1-800-523-8654. If you are in active bankruptcy, these options may not be available.

Payment Deferral

• A payment deferral is offered based on investor guidelines, and brings your mortgage current, delays repayment of certain past-due monthly principal and interest payments, as well as other amounts we paid on your behalf related to the past-due monthly payments. You will be responsible for paying the past-due amounts upon the maturity date of the mortgage or earlier upon the sale or transfer of the property, refinance of the mortgage loan, or payoff of the interest-bearing principal balance.

Modification

• Changes the terms of your loan to make it more affordable or manageable. You may be required to complete a “trial period” (i.e., a 3-month test period to see if the payments can be made).

• Permanently modifies your loan so that your payments or other terms are more manageable as a solution to a long-term or lasting hardship.

If you aren’t interested in maintaining ownership of the property and need debt relief, your options may include:

Pre-foreclosure Sales (Short Sale)

• If you can no longer afford to keep your home, a short sale may be an option to avoid foreclosure. This allows you to sell your home for less than the outstanding balance of your loan and may satisfy your debt (though not always).

Deed in Lieu

• With a deed in lieu of foreclosure, you'd transfer ownership of your home to PNC voluntarily to avoid foreclosure. 

Consider More Affordable Housing

• If you are not able to continue making your monthly payment, your best option may be to find more affordable housing. As an alternative to foreclosure, you may be able to sell your home and use the proceeds to pay off your current loan.
• The owner or insurer of your loan may have additional options available for hardship assistance. Please call us to discuss what options may be available for you.

• Download the Checklist to help stay organized throughout the Hardship Assistance process.
• Download the Call Guide to help prepare for a phone conversation with a PNC Borrower Assistance Representative
• Download the Hardship Assistance Application Guide for step-by-step instructions on successfully completing the PNC Hardship Assistance Application

Complete the Hardship Assistance Application and submit electronically

Start Hardship Assistance Application (digital)

Note: You are required to authenticate using your online banking credentials to access the Hardship Assistance Application. If you are not enrolled in Online Banking, you will be provided a link to enroll.

OR

Complete the Hardship Assistance Application and submit via email, fax, or mail

Download Hardship Assistance Application

• Complete the Hardship Assistance Application.
• Compile all the supporting documentation referenced in application.
• Submit your completed Hardship Assistance Application and all supporting documents to:
  • Email: haa@pnc.com
    
  • Fax: 1-855-288-3974 (using the cover sheet provided), or
  • Mail to:

PNC Bank
Attention: Central Receipts B6-YM10-01-1
3232 Newmark Drive, Miamisburg, OH 45342

You've Submitted Your PNC Application.

• PNC will review your application and verify all documents for completion
  • Provided we receive your application at least 38 days before a scheduled foreclosure sale.
• PNC will determine your eligibility for a loan modification or other assistance options
• PNC will complete the eligibility process within 30 days from the time we receive your complete application
• After our review, you will receive a written determination letter offering you all loan assistance options for which you qualify

Notices of Error or Information Requests: To assert an error or to request information regarding your account, you must submit the notice of error or request for information in writing to: PNC Bank, PO Box 8807, Dayton, OH 45401-8807.

New York Borrowers Only: You may file complaints and obtain further information about PNC by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at WWW.DFS.NY.GOV.

Personal Line of Credit Hardship Assistance
Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in a negative impact on your credit score and keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship, whether it is short-term or long-term circumstances.

If you would like to get started now, please complete the Hardship Application located at  PNC Bank Hardship Assistance. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation.  If you have any questions, please call 1-866-622-2657. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

One (1) Month Minimum Payment Suspension

• A one (1) month minimum payment suspension reduces the current payment due amount to $0.
• At the end of the extension period, you will still owe the payments you missed, but in most cases, you will not have to repay it all at once.
• Although interest will continue to accrue during the suspension period, you will not be charged fees related to the scheduled non-payment. Your credit will be reported based on the status of your loan when you requested the suspension.

Twelve (12) Month Program

• The account is permanently closed.
• Insurance is cancelled, if applicable.
• All payments, including past due, are adjusted to a fixed percentage amount of the balance.
  
• The interest rate is reduced.
  
• After three (3) consecutive payments of the new payment amount are made within four (4) months, the account will be brought current.

Sixty (60) Month Program

• The account is permanently closed.
• If all payments are made, the account will be paid off at the end of the program.
• Insurance is cancelled, if applicable.
• All payments, including past due, are adjusted to a fixed percentage amount of the balance.
  
• The interest rate is reduced.
  
• After three (3) consecutive payments of the new payment amount are made within four (4) months, the account will be brought current.

Settlement

• Please call 1-866-622-2657 to discuss your account eligibility. If eligible, PNC may agree to a lump sum or fixed monthly payment less than the total amount owed to settle your account.

Personal Loan Hardship Assistance
Unexpected events may impact your ability to make your monthly payments. We understand and we are ready to help discuss how you can get back on track.

Not acting could result in a negative impact on your credit score or keep you from obtaining financing in the future. We can help determine which solution is best in a time of hardship.

If you would like to get started now, please complete the Hardship Application located at  PNC Bank Hardship Assistance. By completing the Hardship Application, you will enable us to consider all available options to help you find the best solution for your situation.  If you have any questions, please call 1-866-622-2657. If you are in an active bankruptcy, these options may not be available.

Your hardship assistance options may include:

One (1) Month Extension

• An extension moves the due date of a personal loan payment to the end of the loan and extends the loan term by one (1) month. 
• The payment extended can be past due, currently due, or a payment not yet billed.
• At the end of the extension period, you will still owe the payments you missed, but in most cases, you will not have to repay it all at once.
• Although interest will continue to accrue during the extension period, you will not be charged fees related to the scheduled non-payment. Your credit will be reported based on the status of your loan when you requested the extension.

Three (3) Month Partial Payment Adjustment

• A three (3) month Partial Payment Adjustment reduces three (3) payments due to 50% of the contractual payment amount.
• The payments reduced can be past due, currently due, or payments not yet billed.
• The loan term is extended and can vary based on the amount of unpaid principal and accrued interest.
• If three (3) consecutive partial payments are made, the loan will be brought current at the end of the program with an additional extension if needed.

Information to include in written communication when submitting a Credit Bureau Dispute to PNC or to Consumer Reporting Agencies: 

General Contact Information

• Full Legal Name 
• Date of Birth 
• Address 
• Phone Number 
• Social Security Number 

If your credit bureau dispute is related to Identity Theft, then the following additional documentation is required:

• Copy of a Government-Issued Identification Card, such as a driver’s license, passport, or state ID card.

Credit Bureau Dispute Specific Details

Please include:

• The specific credit bureau information you are disputing or questioning
• Why you consider the credit bureau reporting to be inaccurate or incomplete
• A copy of the credit report and any supporting documentation that will help the research of the disputed information
• If you are claiming ID theft/fraud, the police report and/or ID theft affidavit
• For requests to suppress an applications inquiry, the application number and date of application

PNC Mailing Addresses for Credit Bureau Disputes

Mortgage or Home Equity Products

PNC Bank
PO Box 8703
Dayton, Ohio 45401-8703

All Other Consumer Products (all products except Mortgage/Home Equity)

PNC Bank
Attn: Consumer Credit Bureau Investigations
PO Box 5580
Cleveland, OH 44101

Consumer Reporting Agency Information

Always refer to each consumer reporting agency’s website to get up-to-date contact information or find online forms.

Equifax
www.equifax.com

Experian
www.experian.com

TransUnion
www.transunion.com

You can dispute some debit or credit card transactions electronically via your Online Banking by going to the Customer Service tab.

Please reference the Frequently Asked Questions section of this page for more information: Banking Customer Service (pnc.com).

Coping with the death of a loved one can be difficult and dealing with their finances can be challenging. Here at PNC, we want to provide you with the resources and support you need to navigate this process.

When notifying the Notice of Death team of the customer’s death, please include the required documentation below.

Please only submit copies of the required documentation below as no documents will be returned. Documents can be submitted via mail, facsimile, or a PNC branch.

PNC Notice of Death Contact Information

Mail: 

PNC Bank
6750 Miller Road
Mailstop: BR-YB58-0E-1NOD
Brecksville, OH 44141
Fax: 855-779-1956 

If the account is in probate

• Copy of probated Will after it has been recorded with the county. 
• Copy of Death Certificate
• Copy of The Executor of the Estate Paperwork. These documents are typically known as Letters of Administration or Letters Testamentary that are issued by the Probate Court. 

For real estate secured loans only: A completed PNC Intent Questionnaire stating your intentions regarding the home. This form is also known as a Successor in Interest (SII) form. 

• Successor Validation Package - Related to death of borrower
• Successor Validation Package - Other Circumstance

If the account is not in probate

• Copy of Death Certificate

Spouse of borrower

• Copy of your Marriage Certificate 
• Provide written confirmation that you were married at the time of the decedent’s death. 

Domestic Partner to the Borrower

For California residents only:

• Copy of your Declaration of Partnership 
• Provide written confirmation that you were domestic partners when the borrower passed away. 

Child of the Borrower

• Copy of your Birth Certificate. 

Note: If your name is different than what is on your birth certificate, then we also need your Marriage License or a court order indicating your name change. 

Parent of the Borrower

• Copy of the borrower's Birth Certificate. 
• Provide written confirmation that the borrower had no surviving spouse and no surviving child or grandchild. 

Sibling of Borrower

• Copy of the borrower's Birth Certificate
• Copy of your Birth Certificate. 
• Provide written confirmation that the borrower had no surviving parent, no surviving spouse and no surviving child or grandchild. 

Note: If your name is different than what is on your birth certificate, please provide a copy of your Marriage License or a court order indicating your name change. 

Grandchild of Borrower

• Copy of your Birth Certificate.
• Copy of the Birth Certificate and Death Certificate of your parent who was the borrower’s child. The Death Certificate must reflect that your parent died prior to the borrower. 

Note: If your name is different than what is on your birth certificate, please provide a copy of your Marriage License or a court order indicating your name change.