PNC Mortgage Reviews

Unfortunately, two months later I received a bill from our homeowner’s insurance. After speaking with our insurance carrier, whom had to call PNC Mortgage, she confirmed that we would have to pay out of pocket for our insurance due to the type of loan we had. I was disappointed with PNC that I was not advised about the change during the loan application processes as I would have arranged something with my insurance carrier. Needless to say I was annoyed, but once the situation was resolved I moved on.

The biggest shock was when last week I received a second notice from my county that school taxes had not been paid. Again I was confused as taxes had been previously paid through PNC and if this was the second notification where was the first? After further inspection of the statement from Allegany County, the bill had PNC Mortgage address scratched out and mine written in.

I looked through the policy provided by PNC as I was concerned I might have missed something, but there was nothing document regarding taxes or insurance. I contacted PNC Mortgage on October 11, 2014 about these issue. I was advised that with home equity loan, both insurance and taxes would now have to be paid out of pocket. I was further advised by the PNC representative that this should have been explained to me during the loan application process; however it was considered voluntary information. Essentially, no one was required to tell me information that may impact my finances? Personally, something of that nature I would consider critical.

In addition the customer service rep. advised that as of October 11th the Allegheny County website still indicated billing for taxes should be sent to PNC, which should have been updated by PNC, to reflect a change in address. So if the first notification for taxes went to PNC, what happen to the statement? Why was it not forward to my attention or call to me regarding the error? Whoever processes the notifications through PNC Mortgage must have been discarded or ignored the statement. Now I have a second notification for unpaid taxes and indication that interest will accrued for late payment.

The customer service representative I spoke to on October 11th took my phone information and reported he would escalate my concerns to a ‘mortgage crisis team’, but as of the date of this letter I have not received a response. I tried called the PNC Mortgage company through the 1-800 numbers but the operating system had me bouncing around for 30 minutes before disconnecting the call. I understand as a consumer before investigate time, energy, and money in to a product I should educate myself and ask questions; however as a customer I look to PNC to partner with me so that I can be completely informed when making decision about my finances. I am truly disappointed.

I was working with another Financial Sales Consultant through PNC prior to this incident. At the time I was so pleased with how the home equity loan process went I was looking at working with PNC with other financial products, investments, loans, and savings, but because of this incident I don’t wish to do any more business with PNC for fear of the unknown. What other surprise provisions will there be?

A couple of months passed and we received a new escrow analysis, even though I was told this would not happen for the total amount of the escrow without my funds applied. I again called in and they had to back out all my payments and apply them properly. I was also told there was still a $100 due. I proceeded to mail in the $100 for the escrow shortage.

Several weeks passed again when to my surprise I receive a call from the collection department the same day I receive a written collection correspondence. I called in again and I explained, I always pay my mortgage on time. The collection agent reviewed the notes, saw my payment in suspense and ran through the correspondence about my account. She assured me this would be addressed. The next day I receive yet another call from the collections department. I informed them that I spoke to someone yesterday and they should review their notes before wasting people's time. Two weeks pass and I receive yet another call - exact same as the last call.... my on time payment is in suspense, nobody fixed my escrow... blah, blah, blah. I am assured that this nice lady will fix everything and I would receive a new escrow analysis in 5-7 days. Never happens.

Now today, a few weeks later same situation BUT they can't see September or October. I run through this with another collection agent and ask to speak to a supervisor. After spending 18 minutes on the phone and again reviewing all my history they apply my funds (supposedly) again and I am supposedly going to receive an escrow analysis in 5-7 days (we'll see). I am very frustrated and angry at this point. I am told a supervisor will call me this week and that I can waste more of my time to find out if the people at PNC did their job.

I have exceptional credit, so first off there better not be a single blemish to my credit due the company's inability to accept payments. I mention this to the customer service agent who then informs me that I can (again waste my time and make it my responsibility) to reach out to the PNC credit team and they can review the notes and history to have anything removed. So this means I will have first pull my credit and then deal with that.

This is absolutely ridiculous. This is my fourth house and I have never experienced such absurdity.

We were told that closing would be in a few days around June 15th 2014 and that I need 3k more in addition to the original 5k deposit, which was agreed upon by ** and myself. GFE kept changing and at the last minute they wanted 4.5k more and these funds were now depleted and gone. They refused to close on their promise of 3k and my family and I ended up on the streets. Thank God for friends. ** has no compassion, he's negligent, unprofessional, rude, vulgar and right down a liar. This has caused extreme mental, physical and financial pain to my family. Thank you.

My fiance's family - residing in North Lauderdale, Florida - is now suffering the consequences as a result of this, facing foreclosure and the upcoming sale date of their home of 36 years on October 15th. They have launched a petition asking for support in a desperate attempt to save their home. Please consider adding your voice to the petition - it would be so greatly appreciated!!!

PNC conference called and said they still did not have all the information they needed. According to the instructions regarding Mediation, PNC was suppose to notify us of any information needed 15 days before the mediation date. Obviously they did nothing of the sort. After the second mediation meeting, PNC now stated they have enough to make a decision on or about August 23 which is 3 days before the scheduled court sale. This is all happening in pinellas county where the Judge is just something that cannot be described. Its all more than unjust. It seems almost criminal in their actions.

I went to a convention, on the spot applied and received a denial. The answer was, that their investor refused???? What kind of b is that? I am now foreclosed since my 5th lawyer didn't show up at the court. This guy took 16,000 USD from us, so between the bank which are playing games and the lawyer which never answer me and stole my money, yes, we call that a nightmare. I am a person of never end determination. I am recharging my battery and will sue the bank and the lawyer. Now It look like I have 3 weeks and no money to find a roof. The morality the bank in my case create this situation - I went from $15,000.000.00 gross sales to almost nothing.

It mattered to us, though, because we had to wait until Monday to call and cancel deliveries for appliance, painters, etc. because PNC didn't notify us until after everything was closed for the week. Throughout different calls to different people at PNC, we were told that they "had done everything they could do", which was nothing. If it weren't for the diligence of our realtor and lawyer, our closing would have been pushed back a month, but they worked hard and managed to figure out a way for us to close days after our original closing date, no thanks to PNC. I do NOT recommend getting a mortgage through PNC because they do not care about their customers, we are only a number to them. They proved repeatedly that they were not willing to put forth any kind of effort for help when needed and their customer service was appalling. One star is too much for this company.

This last time I talked with PNC on June 16th and they went over a couple things I needed again. Some of which were right there in front of them and we got it straight that they were looking at documents wrong. I was told that I needed 1 more document, which made no sense to me because it had nothing to do with re-modifying or re-financing but I went with it. I called back June 23rd to ask that they give me 2 more days to get that document and they refused saying that they have been waiting a month. I explained who I talked to on June 16th and that we got those straightened out but this new person said it was not straightened out. He finally said that he seen we talked to someone but that nothing was updated so I now needed to re-submit the whole package again for the 5th time. He refused to let me speak to a supervisor or my point of contact, first saying that they were busy with other customers and then saying that they would tell me the something he is.

This has been crazy. I have faxed over 80 documents at 1 time to them and it's never enough. I have been back on feet now and all I want to do is save my family home. This has been family land for like 25 years and I built our home on this land and lived here 20 years. What PNC is doing should be against the law.

I followed there instructions filled out their paperwork. Instructions: unlist the house, stop making payments, submit paperwork, although I questioned the payment part, they stated that it was required to qualify for the program. They then contacted me asked if I still wanted to do the deed in lieu. I said yes, they then told me they were going to take possession of the home as agreed. But guess what, that's not what they did. First they started foreclosure before I was late on my payments then they didn't take possession of the home; instead they sold the home while it was still in my name when I received the notice from the action I called them to get the response that there was nothing I could do the house was sold and they decided not to do the deed in lieu because they could not find the key to the house.

They refused to give my any documentation through this whole ordeal then collected the money from the loan backers. I filed a complaint with consumer protection, without an attorney this does nothing. Keep in mind even after they sold the house they were listing on my credit report. So wrap up I am a disabled single father of three and one of them is disabled also, so having any money is not ever going to happen, And without it the banks can lie and do whatever they want especially PNC mortgage. It doesn't help that the legal system only works for those that can pay for it, like the people that destroyed my life and walked away laughing all the way to the bank. Do you see the connection. In short if you are poor you have less rights than a slave.

The people who call from PNC are very rude and not willing to help. When I first tried calling PNC, had difficult time reaching a person. Filed complaint with Consumer Protection, but no results (slow process). I feel like they duped us, so they could make more money off of us by only charging us interest. We will probably end up losing our home because of PNC. I can't wait until the media and government catch up to their practices. Unfortunately, it will be too late for us.

I have worked hard for my home and have equity. Now they want to quickly foreclosure...interesting. I would NOT recommend this institution because of the lack of communication and follow through.

I lost my job in 2011 and remained unemployed for 23 months. I pay $399/month in interest and $53 to principle. Since 2006 I've paid $28,000 in interest and less than $3000 to the principal. I can't get out of this loan and it is sinking me financially. This practice has got to be illegal but I don't know what to do about it.

The loan was packaged and sold off and now PNC is the servicer. I contacted them 3 months prior to the loan reverting to 6.5% and explained the situation. Told them I would not be able to make full payments at 6.5% and asked for a loan modification. I was told there was nothing they could do until I was 2 months behind. When the interest went up I began missing payments and finally they provided loan mod paperwork to fill out. 6 months later they offered a loan mod that I obviously would not be able to afford, they have all my financials so they should be able to figure that out. So I was told to reapply which I have and after another 6 months and still no loan mod, they are asking for new paperwork.

In the meantime they are moving forward with foreclosure scheduled early March 2014. The appraised value of the home is significantly less than the mortgage, I am sure the home will sit vacant for several months while they process it through their system. All they had to do was work with me when I initially contacted them and they would not have lost near as much and the home would be maintained and occupied.

PNCs loss mitigation is a joke! You never can speak to a decision maker, they could care less of the situation, and they have zero foresight as to the best way to recover from a bad situation for everyone. So their bloated financial machine will grind away making a little money for the stockholders while gobs of money spills over and is eventually picked up by bottom feeders for pennies on the dollar. I am just amazed at the stupidity of their operation.

For some odd reason my credit history reads 4yrs 7 mos. My credit history is 40 years, YES 40 YEARS of positive credit. Circumstances that were beyond my control made this situation what it became to be. Divorce, lost my job. My belief is because of my age, 62, they felt I was only going to be working another 4 years so I wasn't worth the risk. REALLY!! The economy what it is I will be working until the day I die. I would also like to say I have never been treated so disrespectfully by the employees at PNC. Each was ruder than the next to the point where I was like ** you forget it.

The last several months I have been harassed by PAUL (sorry can't remember last name). He is rude and unprofessional. You ask the consequences. Well the house is in foreclosure, March 27 2014. A mortgage that is $884.00 per month. They wouldn't modify or keep the same. The reason the amount owed got out of control is the reasons explained above. So now I have to rent. Rents are on the average $1300.00 per month. If banks had thought outside the box 6 years ago when all this was going on and cut EVERYONE'S mortgage in half, the banks would not be stuck with all these homes. So now you are going to take my house and sell it for 50 grand to someone else. How damn stupid. PNC SUCKS. You don't care about people just numbers. Karma.

I have been a consistent paying customer and that there were valid attempts to make a payment and despite my error inputting the incorrect routing and account number the first time, attempted to do the same with accepting the late fee. The online services are antiquated and crash almost every time I log on. I have never had such issues with any other service or company.

When you call, you are on hold for 35 min, then when transferred, I immediately got someone demanding my payment in a collections department that does not give a rip about anything else other than getting the money out of you no matter what you have to say. Then after you make the payment, they tell you too bad, pay the late fee that was no fault of my own. The customer dis-service agents are rude, condescending, arrogant, manipulative, evasive in their answers, and out to get every buck out of you they possibly can. They are ever changing their policies in that you cannot keep up with so that they can get even more money out of you. The worst mortgage company I have ever had to deal with. I would rather die from millions of ** with a straight pin than have to deal with these thieves.

I decided to complete the loss mitigation package they sent to see if we qualified for a better interest rate. Mind you I have not received one statement to this date July 25, 2013. Then they sent me a demand letter adding $2,100 for some past legal fees. I sent them the two years of payment history with Greentree and asked them where these legal fees came from. I've gotten no answer. But they won't take a payment unless I pay these. Since April if I put the loan number in or SS number I am forwarded to Keysha who is my apparently appointed person to my account. She never answers, you leave messages and they won't leave a message because they stated in CT you cannot leave a message. So I'm supposed to be by my cell phone at work when I'm meeting clients. Soon I won't have a home or a job.

When I get someone else on the phone they tell me a totally different scenario. Well every time I call I get someone telling me it’s in loss mitigation we're working on it. They have repeatedly asked for the same information. They say they have it then a month goes by you get a call or letter stating they never received it. They are a nightmare, stay away from them and Green Tree. Bank of America sold our mortgage to National City and there it began. These people are not licensed to speak to anyone. They are not held accountable for their actions and they should be. This system is a mess. We need to write the Attorney General’s office. These banks are big time scam artist and they need to be stopped. They know the average person cannot pay the legal fees. I contacted an attorney to have her took at this and she wanted a $2,500 retainer to start and $250 consultation fee. I feel like I'm in the Twilight zone.

Guess what, we had to vacate the house by the end of June and stay in the hotel for two weeks due to our rental contract. My salary numbers were wrong; the old house payment is up by $500. I called the senior loan officer and left several messages and emails letting my situation, no response. Finally called Vice-President's office and they suggested me to talk to a different director and secretary answered me to give a written complaint and I asked her, "what is the use," no answer. Then I left a message to the director, no response. Finally I had no option to go to different lender on July 1st and closed the loan on 12th.

Please don't even apply for PNC, just because, if it is just me, then you are kidding. There are several people in my sub-division and all of them had very bad experience including the builder. I sincerely request you all, if you want a home loan, please go to any lender or the bank EXCEPT PNC Mortgage, because you will not get any response for your calls or emails. If anybody wants to try, then tough luck.

All paperwork was in as of Friday, June 28th, in the morning and still as of Tuesday, July 2nd at noon, we do not have a closing set in stone. They ignore my emails and phone calls. I have left messages with numerous people up the chain of command and do not understand why this process needs to drag on any further.

Several days later, another agent called telling me my payment was late, and I explained the previous communications. She apologized and told me she could see that the issue had gone to a supervisor to be corrected. The next day (today), another agent called me and started to tell me the payment was late when she realized I'd been called yesterday. I asked to speak to a supervisor since by now I had expected the problem to be rectified. I was sent to Al **'s voicemail (he's in Bricksville??). I left a message explaining the situation, yet again. We'll see if he calls me back. If he does, will he simply apologize, or will he correct the problem? How difficult can it be to make a correction? Furthermore, the check that I made towards the principal clearly states in the note that it was for the principal, and the monthly payment is clearly for the monthly payment, given the dollar amount (the regular monthly payment amount).

The problem is rates have gone up over 1% making my payment go up another $80 a month because of the rate increase. PNC wants me to pay the $675 for the foundation inspection that they ordered. The worst part is that I had to be out of my house because the new owners had to take possession of their house. I now have to move my 5 kids, my wife and all of our stuff in with my in-laws. I wanted to use PNC because that is who I bank with. I can't believe this is legal. It's one thing if I have bad credit, not enough money down or the house didn't pass inspection or appraisal, but everything did. The reason my loan wasn't approved is because they said the house was unique. This loan is out of the Toledo office and my loan officer was Sara **.

Now I have been a customer for 13 years and they withdraw the amount every month, same time. We argued the point and faxed the paperwork. She stated that we needed to go to a local branch. My wife went there and they had no idea why she was sent there. It seems that no one talks to one another there and all they want to do is give you the runaround. Fed up with this, I called and demanded to speak to manager. They ended up transferring me to a team leader (Trey). He refused to give the information requested and actually told me to go to the website to get it. He then stated that he would forward the complaint to a manager and someone would call back.

To this day, no one has called and I believe he was telling me anything to get me off the phone. I regret ever going through this company and if I knew they treat longtime customers like this, I would have gone through another mortgage company. I would not recommend that anyone do business with this company unless you want a lot of runaround and frustration

This phone call revealed that over $900 was taken out of my escrow to pay Winter 2012 taxes to another city that I don't even live in. Many calls and many customer service people and even speaking with the original mortgage representative later, all assured me that everything will be straightened out. I have now received a letter from PNC that states since I did not pay the correct amount on my last house payment (which went up because they took $900 of my money), then x amount of dollars short were taken out of my escrow to pay that amount, which means that because PNC took out $900 of my money to pay a city that I don't live in, my house payment went up to cover an escrow that is short because PNC took the money out and sent it to another city.

I cannot get anyone to fix this problem that continues to be compounded by their stupidity, over and over again. I call customer service to speak to a mortgage specialist. I am told that the mortgage specialist does not take calls (I wonder why). I speak with a manager and they are very understanding but never fix the problem.

A couple of months later, I started receiving letters from PNC that I didn't quite understand. A check came to me that I didn't understand nor deposit. A couple of months after that, I received letters that our escrow was overdrawn. A couple of weeks after that, I received PNC mortgage coupons mailed to us that now reflected a 100% plus increase on our monthly payments!

It turns out, our loan officer never communicated to the original insurance company that we found a better offer prior to closing. It turns out, that PNC billed us mandatory coverage of $5K plus, because they had no record of us having insurance coverage from some internal void! It turns out, that the issue holding us back from closing was that I noticed a discrepancy in the ins. amount in the closing documents and it was decided to leave my personal property insurance out of escrow.

No one ever thought to rectify whatever internal miscommunications within PNC Mortgage occurred and what needed to be done within PNC to work with their customer to understand what was wrong and to understand the depth of what a nightmare closing fiasco could lead to!

Anyways, that wasn't even the worse part. So we were nearing the date we were supposed to close. PNC wasn't getting their stuff together and Joe wasn't answering his phone. Well, I come to find his mom was in the hospital, so no one else had any idea about my mortgage. We closed almost 2 weeks late. I didn't get below 3.75 % - I got 3.75%, and my builder and I had agreed that I would get $2000 for the fridge since he didn't put one in. However, PNC would not let him pay me the full amount; they would only allow him to pay me $1000. Mind you, this was after I already purchased my fridge.

Last straw, I got my taxes and a letter from PNC stating they immensely underestimated my taxes so I either owe them $1800 or my mortgage goes from $1260 to $1580.

In August 2012 after trying to apply for the FHA loan, it was denied. I had received a letter stating my home was going into foreclosure and no other warning. I called and spoke with Nicholas for 45 minutes. He wouldn't explain things to me, just kept repeating what I guess would be company guidelines as to what to tell customers. I then demanded to know why the first (May 2012) modification was denied. This time he told me it was because I had applied for a modification in April of 2011, and there was no other options offered. If he had told me this the first time, 2 months of mortgage payments would have been easier to try and catch up on, as opposed to 6 months and facing a foreclosure. As a result I have had to go into bankruptcy (costing me $1200.00 and then some).

Before bankruptcy, I was being scammed by another "lawyer" (Attorney Alliance Union, National Legal Associates and LCNPC-3 different names, same company?) and had paid them $1950.00. So after a loss of $3150.00, which obviously we don't have that kind of money to throw away if we need help with our mortgage payment, we are at a loss. Last November, I had a counselor at the Hope Now call PNC to discuss helping me and PNC refused to speak with Hope because PNC was going to be recorded. I am recorded every time I call PNC. What are they up to that they aren't willing to speak with a HOPE representative to help a client out? This is the worst mortgage company I have ever dealt with. I am hoping to get away from them after a year of my bankruptcy. My lawyer knows someone who is willing to help after a year of payments.

I don't understand how a process could be so unfair and screwed up. I hired a small contractor that relies on the money from the insurance to fund the build. If I don't have any money, I cannot build. Now it doesn't appear that I will be in my home for the holidays as I had anticipated. To make things even worse, my interim housing is going to run out this month. So now I will either be homeless or my mortgage that I still pay on time every month and have for the past 9 years will fall behind. I can't afford both rent and mortgage. PNC has no idea how emotionally devastating this can be. We both have an interest in the home. Recently, I started using my credit cards and any cash I could get my hands on including borrowing from family and friends (which is something I never do) because I believed first they were going to send another disbursement and/or reimburse me for the money that I have spent thus far. I have spent/charged $25K and counting. Well neither of those two things have happened and I am out of funds.

Now I am on the phone with PNC on a daily basis getting a different answer to my questions each time; sometimes holding on the line for up to an hour while they pretend they are going to help me. Not! Only to have them come back to the line and say that I need a higher percentage. I am very frustrated. It brings me to tears some days when I have to repeat the same story day after day to different customer service agents that don't care and can't solve the problem. But I call anyway hoping and praying that today, maybe someone will see what an injustice this is and really do something. I just want to get back in my home and settle in before the winter. I could have been in the home by the end of October if they had just released my insurance funds. I don't think I have ever experienced such unreasonable and uncaring behavior.

I'm not sure that the Treasury Department didn't just keep the money that is supposed to be paid to the consumer. Wow, we are all giving our tax dollars to the bank to help them out, to the government to help them out. What about helping ourselves from now on? This tax helping people plan isn't working and we are looking like a bunch of dummies for allowing this very small group of people rulers to take our hard-earned money and laugh while they do it. I am so sorry to the families that have lost their homes and children that have been booted to the street. It's not always cut and dry like the banks assume. It's very sad that so many dishonest and low-integrity people exist. It's all greed.

PS to the guy that PNC wouldn't work with and the many others, shame on PNC. Everyone that sees this with good credit as myself, will just go elsewhere to an ethical company, like the one listed in the gentleman's letter above, that actually cared about his family. They didn't try to squash them for money.

At that time, my payment had changed 3 times. Five months later, I received another payment book for $70 lower but for another 12 months. Fast forward to April of this year and I was informed I did not have enough flood insurance coverage. After calling Fidelity Insurance, I was told this information was incorrect and I also received a letter at the beginning of this year from PNC stating I did have enough hazard insurance coverage. My May payment was sent on time and PNC cashed it. A few weeks later, they mailed me a check for a lesser amount than I had sent in and told me they could not accept my payment because it did not include an additional $74 a month that they added to my payment due to not having enough Flood/Hazard insurance. PNC took out an additional policy and added it to my account.

I am now one month behind in my payments (even though they cashed my check) and I am getting late charges added every month. The last statement shows I am short in my escrow of over $600. I am trying to refinance with another bank but I am so disgusted that companies are allowed to get away with crooked business procedures and there is nothing consumers can do about it.

Today, PNC told me that they will not resolve the issue for another 16 days. During all the phone calls, they have never been able to explain why the bill wasn't paid in the first place and they have refused to commit to whether they are going to pay it or not. So, I am left with the choice of going ahead and paying the fee directly or allowing the nonpayment situation to continue for at least another 16 days, which will incur a late fee from the city regardless of whether PNC determines that the fee should be paid out of my escrow account or not and will identify me as a "delinquent" taxpayer to my fellow citizens.

I am very angry that PNC has placed me in this situation and that I appear to have no control over it. I did not ask to have my mortgage transferred to PNC and I appear to have no ability to change that. Why is it that if I'm unhappy with any other company that I do business with, I can choose to take my business elsewhere if I want? If I were unhappy with the city, I can choose to move to a different city. Why can't I control who owns my mortgage?

I discussed the option of a loan modification. I was sent the 'hardship packet' and filled it out and sent it. No response for weeks. I called them back and was told that they never got the paperwork. I sent it again. No response. My estranged husband decided to take over the mortgage dealings since it was a VA loan and he was the veteran. He was giving the name of the person in charge of our loan. His name was Nicholas **. From February to June, we did nothing but fax paperwork and re-fax paperwork. Every time my husband called them they either needed more paperwork or they didn't receive what we sent.

In May we got a letter from a trustee stating the house was going to auction. We called Nicholas ** and was told that they needed a profit and loss statement for my Avon company. We filled it out and sent it immediately. I was given a 30 day extension. I waited and waited no response. We got another letter on or about July 22nd from the trustee stating the house was going to auction on August 1st. We called PNC and talked to Nick. He stated that he didn't get the profit and loss statement. We faxed it again along with a request that somebody call to confirm that it was received.

The next day, someone called to say the got it. Again we waited. Got a letter dated June 23rd stating they got the paperwork and would proceed with the modification review and it was our understanding that we were given another 30 day extension. We also got a letter dated for July 23rd stating that we needed to send in all the same paperwork we sent in months ago. Since the first letter stated that they got the paperwork, we ignored the second letter.

On August 2nd, I got a letter from Argent Development stating that they purchased the house at auction and needed to know when we were planning on vacating the premise. I called Nicholas ** at PNC Mortgage and was told that he never received the profit and loss statement so he closed the case. I explained to him that we got a phone call and received a letter stating that all paperwork was received. His response was that it was now out of his hands, the property was already sold and there was nothing he could do. Now, my son and I are being evicted from our home. I don't have enough money to pay for rent and a deposit both. I have talked to 2 property managers who tell me that they can't rent to me because of the foreclosure. I also have to find homes for our 4 dogs. I am also out 13 years of equity.

I am just sick about all of this. I have filed a complaint with the Attorney General, Justice Department and the FBI fraud unit. These people need to be put out of business! I want to sue that pants off of them but I don't have money for an attorney. What they did is just wrong. I work hard, pay my taxes and do right by others. I don't deserve this.

Meanwhile, I think that the real reason PNC is offering me this inflated refinance rate is because they know that that I can't leave PNC for another mortgage lender because PNC, unlike all mortgage lenders or banks, keeps refusing to release my SEMA. As a result, if I refinance with another lender, I would have to pay an additional $8,000.00 in closing cost, which makes my refinance not cost-effective. Though, while I watch everyone whom I know take advantage of the low mortgage refinance rates, I'm being denied this right and I am being held hostage to PNC's unfair, unethical and devious practices.

In early April, yes April 2012, Darlene called me and told me that the loan should be processed and should be flying by, I needed to begin packing. So what did I do? Just that, ended my lease on my apartment, told the landlord that I was moving and should be out by the 25th of April. Well guess what? I have no closing date by the 22nd, nowhere to live and nowhere to go. Allow me to add that between January and April, Darlene ** had called me numerous times on a personal level, showed up at the bar I worked at, appearing lonely and in need of a friend. Of course, she was new to the area so I thought nothing of this, boy did I screw up?! She then asked me to get her son a job where I work. He, too, was new to the area so of course, being the gullible dummy that I am, I stepped out there and asked my boss to give the kid a break and help him with some work! Another nightmare!

So back to having no place to live. Well me and my 16-year old son had 3 choices: (1) Hotel, (2) stay with my parents (an hour away) or (3) stay in a very small house with my friend, her husband and 3 boys. Well it is the end of the school year and I am in one uncomfortable situation. I am forced to uproot my son during school. This was a mess. At this point, Darlene reassured me that this will only take 2 weeks and I should stay with her because it is a more comfortable living environment and she felt so horrible about the situation! So after discussing with my son and agreeing that it is more convenient and closer to his school, we could deal with it for 2 weeks.

Here comes the kicker. After moving me, my son and everything I own into Darlene's home, she then told me PNC denied the loan! So, I am completely panic-stricken. I sold my home, gave up my apartment and I am now without my own dwelling. Needless to say, my son and I are miserable staying at Darlene's! Total bunch of wack jobs, horribly misbehaved 5-year old in the house, along with her other 25-year old son who lives in the unfinished basement, slept all day, smoked weed all night, totally disrespectful, and animal-like behavior. And Darlene? Oh, can we say The Adams Family? These people had no social filter - loud, rude, crude and strange. My son was miserable, we wanted to go home!

So know-it-all Darlene sent me to another mortgage broker, Wells Fargo, which she claimed she knows so well and did not. Well after submitting my loan package to this woman, I waited and waited. 2 weeks later, I have heard nothing so of course, busy body Darlene called her supervisor. She stuck her nose in it and began explaining how she had been in this business for years, and this wait and lack of communication wasn't acceptable. Guess what? The broker booted the loan and did not want to work with me! Let me add that I am a bartender. I make tips, a lot of them. Darlene previously advised me to claim all tips to assure loan approval. She said, "Even better if your boss will show your tips as salary on your pay stub. It will speed up this process, so they did just that."

Well we never questioned this because she advised us to do this, she's the loan officer right? Well, it is considered mortgage fraud. She has now referred me to another "friend" in the business. Well by the 25th, I'm still in her home dying to get out. It's the last day of school so I was little more free to do so and I did. I went to stay with my friend. I did not tell Darlene that it was because I thought her and her family were raging lunatics, I simply told her my friend was going away for the summer and asked me to take care of her home. Remember, everything I own is at Darlene's so Darlene said "Wait until you close and you can leave your things here." Okay great, just get me out of here! So weeks passed by, I still I have heard nothing from her "friend" she referred me to.

I've made an offer on a 3rd home and the deadline was quickly approaching. My son and I are a wreck at this point, living out of boxes, suitcases, etc. However, much more comfortable than we were at Darlene's, I might add. So on July 23rd, I began getting Facebook messages from Darlene's 25-year old son, telling me they would make it impossible for me to get my things out their house, etc. He said more than that but I will keep it clean. At this point, I've had enough of these monsters. I lost my cool and I went to see her son. Well he wasn't as big and bad in person.

The next day, I contacted his crazy mother to make arrangements to get my things. She definitely made it hard. She told the local police that I beat her cars and she wanted police assistance to be present when I come to get my things. She called my job trying to get me fired. She contacted the "friend" she referred me to at 2:30AM telling him to deny my loan. My pay stubs were fraudulent, funny that they were not fraudulent when submitted to the loan and advised me and my employer to do just what she suggested to speed up the loan. I then found out that I have over 10 inquiries on my credit from PNC, but why? I am no longer applying for the loan with PNC.

I then got all my things back (so I thought), only to find that Darlene went through my belongings and took thousands of dollars of me and my son's belongings. I've contacted PNC to make them aware of Darlene's shady character and business nature. I've never been able to get anywhere. Her supervisor, whom she spoke horribly of, Julia ** will not respond. I then went to her supervisor, assured me that PNC consumer relations would be in touch. Nope, I never heard from anyone. I now have filed a civil suit and am working with OCC to put a stop to Darlene **. PNC clearly will hire anyone. This woman has no ethics or morals and is a snake! Do not work with PNC or share personal info such as SS numbers. This animal nearly sabotaged my life. Luckily, I caught on before I lost more than I already had! Home buyers beware!

On June 16, closing date has been missed. Still, it's not even to the underwriter. New closing date was set for the following week. Closing date was missed the IRS could not supply the requested info because PNC faxes to IRS were illegible. We then have to contact IRS ourselves to fax the documents to PNC because of their incompetence. Then PNC was questioning small non-payroll deposits into my checking account and the July 28th closing date will surely be missed. I ended up financing the loan for my Son so he would not be homeless as his lease was up and his landlord had new tenants moving in Aug 1st.

Run away from PNC. They are incompetent! We closed cash on the 31st of July and they still haven't completed the process (its Aug 7th today). I received a letter today and they said my credit was denied because my application was incomplete! Can you believe that? They had 60 days to complete it and I had to fill out the application twice!

We are now over 60 days into this, and PNC has not returned my check. I have talked to over 20 PNC employees, and all I have got is a lie. The last conversation was the check was cashed by PNC which was not endorsed by me and it would be six to eight weeks before they can return the check. This is my money, and all repairs have been completed. I have settled hundreds of claim in the past 30 years, and this company is the most unethical I have ever dealt with in my years of insurance. I have never gotten a correct answer. I have never missed a payment, and I have always maintained the insurance. I would caution anyone before they do business with this company.

I contacted my insurance company again and to my surprise, I found out that PNC never sent the premium check in 2011 and my home was uninsured for all of 2011! What a horrific shock! I contacted PNC, with my insurance agent, in a conference call. The PNC rep said that he had record of the communications in 2011 and record that they had received the binder, and they had even collected the money into my escrow account, but could not give an explanation of why they didn't pay the premiums. He said he needed a couple of weeks to investigate. In the meantime, I received an apology letter saying that they were sorry for their error and that they would refund me the money that they collected in escrow for premiums in 2011, but never paid.

To date, I have never received a check. In fact, I got notification that my escrow is now in a negative balance and my mortgage payment went up $100 a month to make up for the deficit that was caused when they deducted hazard insurance for the year of 2012. What? They confirmed again in March 2012 that they have my insurance company's binder in hand. To date, I have been unable to get past customer service to a person with enough power to resolve my issue. I am sending a certified letter hoping to resolve this issue. I can't believe how incompetent this company is. Their negligence could have put my family in financial ruin. I am beyond angry!

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.

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?

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?!

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.

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.

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.

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.

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.

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.

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.?

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.

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".

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.

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?

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.

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.

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.