PNC Mortgage

They screwed up and were saying I did not have flood insurance when I did. Then for a year now (5/2011 to 5/2012), they have sent me harassing letters, then charge me escrow, and increased my payments for the next year to 2013, even though I had insurance, because they still do not have in their system that I have flood insurance.

I have faxed them 6 times now in 12 months and received letters from PNC that I have flood insurance. My insurance company has faxed them twice and will this morning again, and they still are sending me harassing letters and still have not updated their databases. This started when FEMA (ignorant communists) decided after the beginning of time that my house sits in a flood zone. My home insurance went for $792 per year to $1988 per year, because they said it could flood in the next 100 years. Hey, this isn't New Orleans, numnuts.

I figure that since they ** up New Orleans, they are making everyone else pay for their mistakes and insurance companies are loving it. I say conspiracy with FEMA and PNC or USAA or whoever. I think PNC is the worst mortgage company in the world, and I'm frankly surprised they are allowed to treat customers this way with these tactics to get money from hardworking Americans who can't afford more debt because of this **. I will refinance and get rid of you, PNC. Damn you and all who work for you. Karma will take you down.

After reading the numerous complaints on this site, I come to the conclusion that my ill feelings toward this organization are not imaginary. PNC Mortgage is not a reputable organization. There seems to be a pattern of disregard for fairness, lack of ethical practices, and a brazen attempt to capitalize from devious practices, that prey on the unfortunate that have a mortgage financed by PNC.

In my case, I did not select PNC to carry the mortgage on my property. I am not behind and have never been behind or even late on my payments, nor am I seeking a mortgage reduction or modification. My only complaint is that PNC carries the mortgage note on a condo unit I own. And each and every year, PNC ignores the receipt of pertinent information regarding that policy, which is carried out and paid for by the Condo Association, which is typical.

Every year, their letters threaten me with securing their own policy, as they did at least once before, if they do not receive proof of coverage, as they request every year, but ignore its receipt. The time they secured a policy, it was at 10 times the typical cost of similar policies and I had a hard time while refusing to pay for that unnecessary duplicate policy.

They may have gotten away with this, probably often. The word is out for any attorney that may entertain the case as part of a large class action suit. And by the way, I expect to receive 5 stars for this comment, meaning 100% dissatisfaction or 0% satisfaction, and not a 1 star which means 80% satisfaction, according to this site. Who figured that out?

The mortgage lender rep Dan ** refinanced my mortgage with the promise to get the $15k out as a line of credit. He assured my wife and me after he closed the refinance, he would be processing the paperwork with RBC at the time to get a $15k line of credit. He told me at closing, he would take care of the paperwork to close the deal for the $15k. He continually told us the deal was done already approved and that he would handle the paperwork.

We told Mr. ** from the beginning, we were not interested in refinancing. We only wanted to get the line of credit for $20 to $25k (HELOC). We were honest about the low credit score due to my debt to credit ratio not to derogatory credit. He knew it up from the beginning and it was his suggestion to refinance my loan and then go to RBC/PNC for the $15k. I already had a 4.25% 30 year fix and didn't want/need to refinance. I thought this sounds strange and didn't understand why they just didn't pull the $15k when they refinanced.

He told us it was a done deal and all he had to do was to get the paperwork together with his loan officer at RBC (Karim **). We refinanced back on Nov 29, 2011. To this day, we never received the $15k cash that we wanted in the first place. Mr. ** gave us the run around for months stating RBC was going through a merger and everything was on hold. He further assured us that our deal was complete. They just needed to wait until everyone was trained and all the systems were updated and paperwork was transferred over to the new PNC database.

Well, once the PNC merger was complete, I received an e-mail from Karim ** that PNC could not give me the loan for $15k due to my low credit score which they knew from the beginning before my loan was refinanced! Now they got paid from the refinance $10k, I got to skip a mortgage payment and $3,437.00 out of the refinance and my refund from my escrow account. Wow! The interest rate stayed the same. However, my mortgage payment went up $86. It was $1,914.00, after the refinance now it's $2,008.76. This deal didn't benefit me at all and if I knew that I was not getting the $15k cash, I would have never refinanced my loan. Oh yeah and I paid $375 for an appraisal. House appraised at $320k and my original loan balance was $262k before the refinance. Now my balance is $10k higher with a higher mortgage payment and I still didn't get the cash to take care of a debt I needed.

I would like to know if I have a legal case for deception/fraud. If not, could I file an official complaint?!

I was trying to refinance my home and called PNC Mortgage at 18003560294. I was put on hold for over 5 hours.

PNC denied my refinance for unclear reason. My case is exactly as that of Berdette of Green Valley, AZ on November 29, 2011 had filed.

Using Social Security number - I called PNC Mortgage after I experienced fraud on my bank account. I needed to close the bank account and had my payments automatically deducted. With a new bank account, I needed to get them the new information. They insisted on using my social security number for identification purposes when I speak to phone representatives. I wrote a letter (with copies to Congress and to the Social Security Administration) expressing my concern about my number being used in this way. Their reply is that they use social security numbers for identification when their clients call in. This is inappropriate. They need the number for tax purposes, but not for identification on telephone calls. I am very concerned about my SSN hanging out there for all of the their phone representatives, etc. to see. Be careful!

I had a loan that had been acquired by PNC. When it came the time to do a refinance, they offered me a slightly better rate than the mortgage company I had used before. I figured dealing with them would be easy since they owned my current loan. Wrong!

The loan process was a mess. Their "Mortgage Insight" website was confusing and misleading. They lost my emails (including emails with attached documents). Their phone system makes it impossible to call them reliably. (They give you 10 digit extensions that are never accepted by the automated answering service.)

On closing day, we discovered that the P&I had been raised by $10/month without a clear explanation. At the same time, $818 principal reduction was noted. The GFE for this last minute change showed up in my mailbox the afternoon before settlement day (i.e., on the Tuesday following the Friday close).

What had happened is that they discovered an escrow shortage which they should have found weeks beforehand, but didn't. They then raised the loan amount by $1,500 without telling me and recalculated everything. This changed the P&I. They then crunched the numbers and noticed that the loan was now for $818 too much. Rather than readjust the amount of the loan raised down by $500 or $1,000, they went with those numbers.

To be fair, there was no rip off, but they certainly violated the spirit of the GFE process by sending me the final copy by snail mail a couple of days before the close and not informing me by email of the last minute change. This caused a lot of hassle at the close and then afterwards it took them until 4 PM of settlement day to get back to me and answer my questions about the loan changes.

After that experience, I will not be doing any more business with this bank.

Do not apply for a loan at PNC, use another bank. My home was underrated in value. The service was poor and they took forever. They were supposed to call and never ded. Loans were made in NY. I live in Indiana and I went to another bank where the loan was approved. Local loan officer was able to make decisions on the loan. Poor service, poor judgment, really a bad bank to try to do business with.

I have been trying to work with PNC mortgage for almost 2 years, to modify my mortgage slightly. I was continually refused, and told there was nothing I could do. That is until I met with a Fannie Mae representative last summer, at a NACA event. At that point, I was offered a trial period, which I met all conditions. After the trial ended, my terms should have become permanent. They did not, and PNC came to me with a modification offer that was only a few dollars less than my original payment. I refused this, and again contacted Fannie Mae, and they started working on a home affordable modification from their end. This was in September 2011, and I continued to make the trial period amount payment on time, per Fannie Mae's recommendation. PNC then offered another modification, only about $100.00 less, and almost no reduction in interest. Fannie Mae said that technically, this is considered a modification, even though it is far from adequate.

Once again, I am refusing this offer, and PNC called to say they are closing my file, and beginning foreclosure. I have made good faith payments all along, and I intend to stay in my home. For some reasons, PNC is more interested in taking away my home, than accepting a lower interest rate for a few years (simply lowering the interest would be enough to make my home affordable). I am wondering if PNC receives a better bail out from the government, by stealing my home, than by helping me. I am refusing PNC, and their refusal to help the homeowner. Somehow, we need to get the attention of PNC and better government oversight.

PNC knows I cant afford an attorney, and they have me over a barrel. I insist on making as much of a payment, as I possibly can, and staying in my home. I will not accept the advice of those who tell me to stop paying, as I do not feel that is the right thing to do morally. Attorneys want you to stop paying, and pay them instead, with no guarantee. I believe there are many good people out there that are being victimized.

I have a mortgage with PNC. A hailstorm hit my home in May of last year. The claim was filed with insurance and paid to me and PNC. I sent the check to PNC to be endorsed and they sent me a packet that had forms and notary requirements. I sent back all documents as required by them and then never heard a word back from them. After 2 months, I called them and they told me because the money paid by the insurance company didn't match my claim payment. I asked them why they didn't tell me this when I sent in all the paperwork 2 months ago. They couldn't answer. They then informed me I would have to fax them a letter stating I would be willing to assume any additional cost and they would send me a "draw" on the balance. Well a month later, I've sent this to them and I have not heard another word again.

This is one lousy bunch of incompetent lazy thieves. If I handled my business like this I would be out of business. Pathetic! I guess an attorney is the next option for these thieves.

Very, very upset! I tried the re-fi option back in July of 2011. At that time I was just starting to fall behind in my payments and I was instructed by PNC that I needed to let my account go into arrears of 3 months. At that time I would be eligible to file for the homeowners affordable plan. Days went by. I called sometimes 2 and 3 times a day asking where I was at in the process. Never talking to the same person twice. My so-called account rep Sherry ** never called me. I did receive notices and phone calls asking for additional documents along the way, which I faxed over ASAP. In November I was served foreclosure papers. I called PNC ASAP to ask why because I never received a call explaining I was rejected or anything. On that call I was assured it was a process and not to worry.

A few days later I received a coupon asking for a payment while they finished up the loan documents. I made the payment and on December 13, 2011 I received a check back for the same amount of my payment with a letter stating I had been turned down due to my income. I called again asking what that was about and again another person! This time the person told me I would be receiving a second notice saying there was nothing PNC could do. I was too far in arrears and, this is the kicker, I had filed bankruptcy a few years back because I had lost my job.

At the time I did re-affirm my auto and home loan to keep both, but to be discharged of all other debits. PNC told me the other reason they could not do anything was they didn't show documentation of the re-affirmation (its noted in my bkr paperwork that I did re-affirm) my auto is no problem. Someone at the bank either lost the documents or who knows? Either way PNC stated there was nothing they could do now, so I have to move! Thanks PNC! You ruined my dreams! I have to move because of PNC.

PNC Bank has a property list for sale at 211 Ariel, Oak Hill Fl for $69,900. The realtor told me there are no bids on the property so I bid $53,000. The reply from PNC says they have multiple bids and to give my best offer, I bid $60,211 and received a reply that it had been rejected. I then bid $65,000 and it was refused. A few days later PNC dropped the price to $64,900 and I bid $64,900 and the reply was to give my best offer. I then offered $75,000 and was declined. This was a cash offer to close ASAP. I had no stipulations attached just as is cash. Prior to bidding the $75,000, the listing realtor Menu Realty in Ormond Beach let me know I would not get the property, period. The response we received from PNC was price is not the only consideration. Is this a real estate scam or bank scam?

We currently have a mortgage on an investment property with PNC Mortgage. I called them on August 15, 2011, to inquire about refinancing. A loan agent (David **) called me back promptly, took my information over the phone, and said he didn't anticipate any problems. We sent him all the paperwork he required on August 17, via fax. He said that we had a loan guarantee of 4.75% until November 10, and it should take approximately 6 weeks to process. Approximately 4 weeks later (mid-September), I was contacted by a loan processor (Aggie **), who said she would review the file the next day, and let me know what she needed.

She didn't contact me the next day. She did contact me the following week, and requested more documents, some of which we had already sent to our original loan agent. Over the next 5 weeks, she requested more documents, several times a week. On September 22, we received the first of 3 commitment letters "conditionally" approving our home loan application. By the last week of October, she was still requesting documents. On approximately the first of November, I wanted to know what would happen when the loan commitment expired on November 10. She said, she would talk to her supervisor.

The loan commitment was extended until November 17. I contacted PNC Mortgage to talk to a manager/supervisor. I received a call from someone (Rocky) on November 8, and explained the situation, and my complaints regarding how the loan was being handled. He was very helpful and said he would look into it. On November 10, I received an email from her, saying she had some "bad news". Because of some "conditions", our loan was denied. I called Rocky again and was very upset about the results. He assured me he would contact Aggie **'s supervisor, review the file, and schedule a phone conversation within the week to find out exactly what happened. I haven't heard from Rocky since. I've left two voice mails, but to no avail.

We did not get our loan refinanced. As far as I'm concerned, they never had any intention of refinancing the home. Our mortgage with them is currently 6.75%, and there was no reason for them to give us a new loan at 4.75%, so they stalled the entire process. I will continue to pursue complaints against PNC Mortgage.

I am a Realtor in Michigan, assisting homeowners with their short sales. Most banks have streamlined their systems, and do try to aid the seller and most of clients are homeowners, and are often approved for the HAFA program. PNC is one of the worst lenders to deal with, when it comes to getting a short sale approved.

The system they use puts up roadblocks for agents, who know the systems that are available out there. PNC does not want to assist, and continues to demand unreasonable amounts, for the sellers to contribute. This must be stopped, and they should not be allowed to continue this practice. I have teachers asked to contribute funds, that they have no possibility obtaining, and they continue to change dates, and do not even submit paperwork faxed to them. This is one of the worst lenders out there, and consumers should not give them their business.

Sellers can not complete short sales, and are forced into foreclosure. Even though there is no sense in this happening, PNC continues to put up roadblocks to stop short sales.

I am a Realtor in Riverside, CA and since 2007 have suffered due to lack of income. I began asking for loan modification in March of 2010 and have been refused every couple of months, initially because we didn't have enough income (seriously?), then because we made too much (once I got a full time job).

My point is that they (PNC) encouraged me to keep trying, knowing that the "investor" of my loan "does not participate in modifications". Two questions; why did PNC keep encouraging me to try again knowing they would never agree to it? And why can my "investor" get away with not participating when this state is in so much trouble? I hear that the banks want to take the houses back because they actually can make more because the government is giving them money and they can make money reselling the house. How can we stop this? Why isn't someone doing something to stop these banks/investors/etc.?

In September of 2009, I entered into a re-payment agreement with them to pay back late payments over a 24 month period. I finished the re-payment agreement early, because I always paid on time. (Evidence by the fact that I am still in the house and it has been reporting as current on my credit since April 2011.) I am asking PNC to give me a letter that states that I have paid the agreement in full and the agreement (not the original note) was paid as stipulated. I need this letter to show a car dealership that (1) I am no longer paying $1682 per month, but the payment have fallen back to normal $1318 (2) to show that I am making payments on time (3) they will use this payment history in lieu of running a credit report. I would go from an 11% interest rate down to 3.5%. (4) I absolutely need a car; my current car is 15 years old and on its last leg.

Customer Service does not listen to what I am asking - they repeatedly transfer me or say "sure, collections can send the letter", or "sure, customer service can send that letter", or they only send out standardized letters nothing customized or to get a custom letter you have to speak to an entirely different division called Inquire & Research, but they have no phones - you can only fax your request. If you don't hear anything, it means your request for a custom letter was denied. What **! I was on the phone two days for over an hour and the rest of the week when I would get my stamina back to talk to these people at minimum 35 minutes per call. Same old run around of being transferred, no one wanting to give me their full name and take responsibility for what they say.

My husband and I recently purchased a second home and applied for a mortgage loan with PNC Bank. We were only mortgaging half of the purchase amount and have three business mortgages, currently with PNC in outstanding status. My husband's credit score is over 800 and mine is over 750. PNC underwriters have consistently demanded unnecessary documentation, which has no bearing on securing this loan. We have incurred fee's from our accounting firm, which has been put in the position of writing letters that my CPA has said is absolutely ridiculous.

I feel as if we are being harassed by the bank and almost discouraged from borrowing money when we can clearly afford to do so. An example of this would be: PNC's documentation states that if you show more than 25% ownership in a company you need to supply them with a k-1 tax form. Our ownership in three companies is less than 2% and yet PNC said that they had to have these k-1 tax forms. We, in turn had to retrieve these forms out of storage, which again, was absolutely unnecessary and costly on our part.

Even by written standards of their own policy these forms were not required. Why can they change the rules half way through the process and make up new ones? Do we have any legal rights against these banks? I have more examples of needless requirements, even the PNC bank loan officer has said, "He is embarrassed by the actions of this bank".

In 2004, my family decided to make what they thought was a long-term sound investment in their new house. It has since been the biggest mistake of our lives. This house, meant to be the one "custom-built" house of their lives, has cost my parents everything. Through their primary lender, PNC Bank, my parents fell victim to the biggest fraud committed in the history of banking - refinancing their home, and have since taken the equity out of our house.

However, due to my father losing his job and not being able to make payments (this occurred in 2009), PNC struck a deal with my family that as long as we agreed to pay $5,399.10 a month, we would be able to keep our house. How gracious of them.

My father, being the reasonable man that he is, got a job he was miserable at just to make these payments. That is, until October 2010. In October of last year, my father was once again laid off from his government job and though he immediately tried to find new employment, he attempted to negotiate with PNC Bank to renegotiate his contract. He, much like everyone else would, assumed that the friendly employees at PNC would understand that in our now one-income-based family, we couldn't afford to pay $5,399.10 a month, especially because that one income doesn't amount to that. For several months since, my father has tried many times to readjust his payment, showing with several documents and evidential statements that we cannot possibly continue to make payments on the house as long as they are that high.

The documents my father put together were never reviewed; and we were told that readjusting was impossible at this time. Now, several things have happened since this occurred. My father was offered a job that depends on him getting a security clearance. He was denied an interim clearance due to poor credit and the process to get an official security clearance can take up to nine months. He was granted an extension on our payment -- 30 days extra to be specific. This extension was rescinded less than 24 hours later. After many hours spent complaining on the phone to various employees, we were granted a 15-day extension instead. We were told that because 90% of our income was going to our mortgage, we didn't qualify for any government assistance program. Their qualifications are 40%, and despite explaining to several employees at PNC that 90% was actually worse than 40%, they still couldn't help us because, as they put it, "You're making it with 90%, so why do you need our help?"

My dad had to borrow money from a family member in order to make our June mortgage payment, and did so through a Western Union wire. The clerk at the store he used, forgot the $.10 on the order slip, and so my dad asked if they could let it go this one time, or even add it to next month's payment. They explained to him that if he didn't immediately send in the dime, that the mortgage contract would be void and that we would be foreclosed upon. It cost him an extra $13 to send in the dime. Our regular mortgage payment is $2,700, which is completely affordable on my mother's income. This $2,700 payment will be re-instated in four months, but unless my father gets his job within the next two weeks, we'll be foreclosed upon anyways.

We tried to explain the situation to the highest authority available at PNC, telling them that if they just added time to the back of the loan, or adjusted the payment slightly and added more time, we would be able to make the payments with no problem. They told us this, "When you get the confirmation that the job is yours and the 'hiccup' is resolved, then we can work with you. Until that time, there is nothing we can do." So in essence, as soon as we don't need help anymore and the problem is resolved, PNC will be glad to assist us. This is the most outrageous thing I can imagine happening; and I wanted to share the story with others so that maybe someone out there will realize that PNC Bank needs to either be shutdown, or all the current employees need to be fired, with more logical and maybe even compassionate ones put in place.

Due to a loss of my business and income I am trying to sell my home in short sale rather than face foreclosure. I have an arms length buyer at a fair market price. The holder of the first lien, Hudson City Savings Bank has been compassionate and has worked well with us and our short sale negotiator and has signed off. The problem is with PNC who holds the second mortgage. They insist on 10% of the balance at closing ($18,300), which I have been able to accomplish by realtors and the short sale negotiator kicking in and the signing of a deficiency agreement to repay the full amount or a flat settlement of $72,900. I was able to look at closing out my retirement account, which is my last remaining asset and borrowing from my 92 year old widow mother to offer $60,000 in return for full forgiveness. They refuse.

As soon as you agree to the deficiency judgment, they force you to talk to them on a recorded line on which you must agree to the deficiency judgment and make a payment on the spot. I explained that I have no money and can't make a payment today and am not sure when I can make a payment.

The agent I had on the phone Ms. Rory, was berating me that how could I sign a deficiency judgment when I don't know when I can repay it. She told me that they will not release the lien for short sale.

She talked to me with such disgust, like I was a wad of gum she scraped off the bottom of her shoe. There have been no Christmas or birthday gifts in our house for 3 years. When I visit family and friends they send me home with bags of groceries.

Don't they understand that if I paid the loan faithfully for many years, there must be a reason why I can't today and that no amount of berating, belittlement or verbal harassment is gong to put the money in my pocket to pay them? I offered them the absolute best settlement that I could. I am 57 years old and am absolutely broke. I have worked for 40 years, paid my taxes and have never taken a penny of assistance or entitlement. The government has instituted the short sale process to help people. Why do I feel like I have no right to live?

My name is Jose **, my family and I live at ** Lakewood CA 90712. I have been affected by the economic crisis. I had a reduction in my wages causing a hardship and delinquency in my mortgage payments. I have been working with my first lender PNC Mortgage Bank on my loan modification, however I have been pleading with my second lender Sterling Home Loans Inc., to help me with a modification to lower my payments they have refused. Due to the fact that Sterling Home Loan has refused to help me in modifying my loan in order for my family and I to stay in our property, I was forced to file bankruptcy to stop the auction. I was working with PNC and they were going to place me on a trail payment to be followed with the permanent modification.

Now, they have cancelled all my documentations for a modification and they are refusing to continue to assist me. I am very disappointed in the manner they are proceeding, instead of working with me to keep my home, they are desperately trying to leave my family and me homeless with no regards to my difficult situation due to the economic crisis we are facing. I want to file a complaint against PNC Mortgage Bank for the lack of assistance and unwillingness to help the homeowner in the time of need and crisis. I believe they are not in compliance with the guidelines of the Home Mortgage Disclosure Act and the Making Home Affordable program. They had advised me I would be placed on a pay plan followed by a permanent modification, I request that they keep the agreed condition. My family and I are asking for your assistance in this matter.

My house was on market for 2 years to sell. PNC would not work with us to refinance. Stated market was below level in our area and our house was not valued at a certain value. I had an offer for a short sell, but PNC did not respond to our Real Estate Agent. Now we are in foreclosure.

I fell behind on my mortgage with PNC Mortgage. They recommended, I apply for a loan modification program to help reset my mortgage. I did so. After about 3 months of waiting, I was rejected because I "did not make enough money". To avoid any foreclosure on my home, I made a lump some payment for money owed and made a repayment plan for the rest. On top of my $840 mortgage, I would pay about $500 bringing my total to about $1350 a month until Dec. of 2010.

In January of 2011, my payment would be about $1240. Then if February of 2011, I would be back to my normal monthly payment. I worked as much overtime as I could to pay it off, knowing that come February 2011, I would have no problem making the $840 every month. I was like a lot of people. I got hit hard by the economy and this is just how it was going. Although it was tight financially, I was making the payments. In November, my payment was due on the 12th. Based on when I was getting paid, I asked PNC Mortgage if I could pay on the 19th of November. I was told by a customer service rep that as long as I paid by the end of the month, no problem. I went to make my payment on the 19th and was told that because I was late, my payment arrangement was broken. I informed them how I was told about getting it in by the end of the month and was told "well that was wrong. " So I made a new payment arrangement. I paid $1350 on November 19th, would pay $1010 in December of 2010 and then from January of 2011 to June of 2011 pay $975 a month.

I was not happy about this because I was only two months away from being caught up, but was basically told either pay all I owed of take the new arrangement. So take it I did. On December 3rd, I called to pay the $1010. I was again told the my arrangement had been broken because I missed a payment. I explained that was not possible since I wanted to make payment on the new one. It was explained to me that even though in their system is was showing I paid $1350 on November 19th, it also showed I had a payment due on November 24th. I argued that no such payment was ever factored into my agreement, but I was basically told that I was not going to win an argument with what their system showed.

So again, I had to make a new agreement. I paid the $1010, and now from January 2011 to June 2011, my payment is $1035. I questioned why the payment was higher now, and I was told "investor guidelines." When I pointed out that someone had made a clerical error and that I should still fall under the terms of my agreement I was basically told to go pound sand.

Fall 2009 I called PNC Mortgage. I was having trouble making my payments due to loss of income, medical payments and the rising costs of living. I found myself needing assistance to modify my loan to help make my payments more affordable, knowing that the President had made programs available to homeowners for that purpose. I gathered all of the documentation requested, filled everything out as directed and then faxed the many pages to the # given. Calling weekly for a month, I had no response nor was I even able to find out if my paperwork was received. I was told to stop making payments and to bank the money for trial payments to be set up. Each call was answered by a different person and they all gave me different information about what I was trying to do.

I had to resend the paper work a few more times before PNC confirmed it had even been received. Each time I was told to send something different or omit a document and the last one said I to include my wife's income and she's not on the mortgage. Calling weekly, 4-6 weeks passed and I was told I had been accepted into a program and my trial payments were set to start February 2010. I was told that after making three payments, the agreement would be finalized and I would receive paperwork explaining the agreement, to be signed and returned, which I did.

I was told to call customer service to make payments by phone with no fee. My wife called to make the 1st payment and was told she could do so as long as no info regarding the loan was given to her. Three more payments were successfully made this way. By now, I had made four payments and still had no idea from PNC as to when the agreement would be finalized. I was told to continue making trial payments. When my wife called to make the 5th payment, she was told she could not do it, could not make a trial payment by calling customer service and could not be given the phone number for the department that could take a payment. She was told that there was no way she could have already made four payments by calling customer service. It was not possible.

After 3 or 4 days, I got a phone number for the department that could take the payment. Several attempts were made before finally speaking to someone and payment was made. We tried to make a 6th payment but now the phone # we had no longer connected to the department we had been dealing with. A third party was now involved with my loan. We had to learn to trick the phone menu in order to make a call go through. The third party was not set up to receive payments.

After several attempts, payment was made but no time frame could be given for approval. Soon after, a letter was received saying I had been rejected due to conflicting information on my application. This decision was final and could not be discussed. The item of conflict was my income, stated at $3000 more a month than I make, making me ineligible, putting me beyond the 30% of income cap for payment amount. I called the next day and was told I had to start over and could not try to apply for the same program again because we were rejected. No one ever tried to verify any information submitted nor could I discuss what I sent in with anyone ever. We only knew that the information was there.

I never spoke to the same person regarding our loan. I sent in all of my information again, exactly as asked for, with only my information included this time. When I asked about making a payment in the interim, I was told to bank the money for trial payments that would be set up. Making weekly phone calls, I heard nothing about my newest application. I then received a letter stating that I had been rejected due to my income being verified at over the 30% cap again. Once again, the income amount was wrong, much closer, but wrong. And, once again, the decision was final and could not be discussed. When I called for further explanation, none could be given and they would work on it. The only choices I have, according to the pamphlet mailed to me, are giving my house to the bank, short sale or a modification, which I keep getting rejected from. I have made it very clear that I wish to stay in my house.

How are these decisions being made and by what motives? Now early September, I did mail a regular payment, plus a late fee, which was returned to me this week because my loan has now been given to the attorney for foreclosure action. No amount will be accepted unless it is payment in full for what is owed in entirety (legal, I know). A call to the Loss Mitigation department for a statement of what we actually owe at this time (because of trial payment amount, attorney fees they are charging me and all kinds of other fees being tacked on) was answered by me being told that it will take 60-90 days to get that information and I will be in foreclosure by then anyway, so, oh well.

I fully understand that there are rules and regulations that the bank is required to follow and fine print is in every document signed. I understand that PNC can make decisions but I don't think that the spirit of the Presidential help is being represented by this institution. There are monies available and I'm sure something could be done to help me, as a taxpayer. I feel like those rules and regulations and fine print are being used to take advantage of me in this situation. Does PNC really want my house?

Funny thing is that the trial payments were correct. PNC made a mistake and I am paying for it dearly. The lack of professionalism and competence has to be addressed, as well as the process. I am doing everything I was asked to do. No regard for me as a person with a family, not just a loan # has been shown by anyone I have dealt with. I am being humiliated by those controlling this situation and essentially forced into a foreclosure of my family home by a bank that seems to want me to end up there. This is clearly predatory mortgage servicing, in that the bank is unwilling to work with me to permanently or even temporarily adjust my mortgage, without just cause or even the slightest effort on their part to be cooperative. I will continue to try to work this out with PNC and will not let them take my house from me. I was served foreclosure papers today, one week after receiving a letter that we were sent to the attorney.