Consumer complaint received 2022-12-14
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC Tried to foreclose on my home when it was time barred and they should not have been able to do this - they will not answer the question of what months my loan was in default - this cost me {$36000.00} and they are adding additional legal fees on my account when I should not have to pay any of this they said my loan became default in XXXX of XXXX because a payment was made in XX/XX/XXXX my loan was in default - you said the default on that started XX/XX/XXXX PNC -stated because I made a payment it was not longer in default - Texas and Federal Law The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. 


But wasn't it in default prior to that? 
on XX/XX/XXXX was my loan in default? did my loan go into foreclosure in or around XX/XX/XXXX - The time Barred would have started when it first went into foreclosure in XX/XX/XXXX Isn't that correct. 

I want to know the following In XXXX was my loan in default? - and if it was would that not have started the time bar for the statue of limitations. 

Then on a call with PNC I was told my first payment was not till XX/XX/XXXX - XXXX am sure the call was recorded - then it changed to my first payment was XX/XX/XXXX They sent me a statement that said nothing was owe in XX/XX/XXXX I am not asking attorney questions I am simply asking was my loan in default in XXXX what months in XXXX was my loan in default and what removed it from default Was my loan in default in XXXX - what months and what removed it from default was my loan in default in XXXX - what months and what removed it from default Easy - XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XXXX XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default The loan was in default in XX/XX/XXXX and that is when the time barr started - I have the right to ask this question- I don't have to have an attorney ask it -- This loan did have time barrs start on it - when did the time XXXX start - stop and restart - etc... 

Was a time XXXX started in XXXX? and if so why did it end Was a time XXXX started in XXXX - and if so why did it end

Company response to consumer: Closed with explanation