Consumer complaint received 2023-05-05
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please Help I have my mortgage with PNC and had the home damaged by Hurricane Ian After many days and hours working with insurance companies I have received checks which I had to send off to  XXXX This is the company you subcontract  They have poor communication (Failed ) to advise me of a inspection they canceled. 
Stopped a inspection because they want additional paper work, they told me they where going to get from the insurance company,  however they did not follow through. Numerous delays ect.....
I currently have to use my credit cards to pay for materials.
 Adding up the next steps how many days  would have to take place By there schedule  all the time  at least 4 or 5 weeks before I would see another check.
I will have to stop construction and wait. This is unacceptable !!!

ADD IT UP    1) Currently waiting for a decision. 3 or 4 more days 2) if the decision goes through request a inspection 4-6 days until inspector responds 3) inspector schedule is backed up at least 1 to 2 weeks probably more!!
4) report turned in 2 to 3 days 5) XXXX  reviews and issues a check 6 to 8 business days 5) check can only be mailed (this is unacceptable) 3 or 4 days  


I only owe XXXX on the house. The lot alone is worth XXXX what are you trying to protect!!!!! This company is causing far more harm than good !!!

After research I found awful reviews online, Do you want your customers to have to deal with this please read some of the reviews list Also respond to me ASAP thanks XXXX XXXX

I currently am incurring unnecessary costs due to 
1) charge card fee's  2) stopping of repairs due to lack of funds   3) loss of contractors they require upfront fee's 4) hours of phone calls ect.... Please be advised I am considering hiring a attorney to help with theses additional cost recoup and also free up my money!! 
If you would like me to send you pictures of the progress ect.... I would be happy to. 



Reviews customer complaints 

Class action lawsuit against XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX  Verified customer
Review updated: XXXX XXXX XXXX
Featured review
Getting XXXX  to release funds is nearly impossible. They lose documents over and over again. Each time you call you get a different rep with a different document lost or one that gives the all clear, the funds are being drafted and will be there by XXXX  in 3-5 days only to call back and hour or day later to be told NO, you need the same documents you submitted almost daily for 9 months. We have all suffered a loss and this third party company many mortgage companies use is an insult and causes more unneeded grief.
Getting my money to rebuild I feel isn't ever going to happen and I can't do anything but resend resend resend. I'm tired and this is enough.
If anyone knows of a class action law suit against XXXX, let me know.
This is not against my mortgage company but the company they choose to use in an insurance claim for property lo.

From reading all the complaints online from people just like me who are describing the same issues as I am going through, I know we would have a strong case and win.
We deserve or lives back and in a timely manor.

Update by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
I finally received my check after XXXX months of XXXX. Lost one contractor over this. Now I get a letter I'm supoosed to have everything rebuilt in 45 days. What contractor sits and waits for months while I fight to get the money I should have had way back in XXXX It's now XXXX and I'm on a waiting list to begin construction hopefully, this month.
I'm lucky the only other contractor in the area can still build it this year.
Now I have to worry about penalties for not having it started because XXXX XXXX XXXX XXXX  for most of the year?
I'm stilll interested in filling a lawsuit against this company and on behalf of all of us who go through this.

Their blundering is why I'm last on the rebuild list



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified customer
Have gone through the same, documents that were accepted then lost or no longer accepted for a new reason now. I am having to come out of pocket for the repairs, my wife and I have had to live out of our bedroom and bathroom while cooking on the grill or flat top because the funds are being withheld even though i have submitted pictures and receipts that the work is being done. Have also requested to speak to a manager and was told 24-48 hours then 5 days later still nothing. Ridiculously [censored]ty service. along with non educated (on the business) representatives.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Same here been out of my home since August my family and I are sick of hotels. We have four contractors all of which I submitted the documents to this place to show deadlines on when I need debts paid. There process does not register in the construction world. With supplies going up and being scarce I need my funds readily available. They sent a inspector and demanded we submit a clean air test to move forward. Something my insurance company and building inspector arent even requesting. I paid outta my own pocket for one. Of course it passed and submitted it. Only to get XXXX of my XXXX There driving my to the point of no return.

Please if theres a class action I need the info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Same problem with Insurance claim check.com . After all they really dont seem interested in helping those who are trying to restore their homes. Its as if they have some ulterior motive to force upon us forced insurance or take our property away from us. Im all in for a resolution so please send me information reference lawsuit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Verified customer
There definitely needs to be a class action.

More
Helpful?10
ShareReply
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified customer
XXXX, Please contact us we are also dealing with the XXXX XXXX. Every time we call it's we need this and that we send it but now we need more, We are down to 1 handyman that is willing to help but he is almost done with us and i can say not being able to use or bathroom for over a year and with reading the horror story's above we will continue to do so unless someone steps in to help. Sincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Verified customer
Omgosh! We too are dealing with XXXXXXXX. Our home was destroyed by fire last XXXX. Mortgage is with XXXX XXXX. First check to my contractor was released by XXXX without problem. Now that we are over 50% complete, we have been trying to get an inspection since XXXX XXXX They keep saying someone will get back to us in 24-48 hours. Nothing! My contractor says he may have to pull his crews off the job! I'm absolutely lost and have no idea what to do. Advice would be so helpful! If it's this hard to get an inspection I can only imagine what will happen when we try to get more $ released nybthe inaurance company! I could just cry!

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Verified customer
I have had the same problems getting the money from XXXX XXXX XXXX.. This time, I've been trying to get an inspection for a month.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Verified customer
Very interested in a lawsuit. We have been living in 1/3 of our house with only a bedroom, 2 bathrooms, an office & a laundry room since XXXX We have sent all necessary paperwork multiple times by fax & overnight, certified. 3 representatives have told us that our initial funds are being released so I would keep checking the mail only to find out a week or 2 later that they changed their mind. We didn't receive any notification regarding the status change either. I'm so tired of living without a kitchen, living room, dining room, master bedroom & being surrounded by stud walls, scaffolding & insulation. We are having to borrow money to at least make it livable. Flooring & kitchen cabinets are in but we don't have the funds to pick them up. Now we run the risk of losing our contractor as well.

More

J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Replying to comment of XXXX
I am having same problem with XXXX XXXX XXXX Both my 1st mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX are using XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX worth of damage on my home.

Now with XXXX XXXX They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I provide them with insurance adjuster work sheet but they said it is not good enough, I resent same work sheet and still waiting. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had to send them an insurance check for over XXXX for a damaged kitchen. They claimed they sent it over a week ago and I still haven't received it in the mail. I am angry.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified customer
Replying to comment of XXXX XXXX XXXX I know your post is over a year old, but did you received the check after the endorse it? And how log it took to receive it on the mail? They claimed they send our check 10 days ago but I haven't received the check.

More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Verified customer
Same exact problems. Mine is with XXXX loss claims dept. Been 7 months since I sent the check to them for their endorsement to get my roof replaced from a storm. No matter what document they want, I send. Next time I call, it's a different document that they need. It's a no win situation. In the mean time, roof is leaking into my home in three places.

More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This company is a joke. My garage was knocked down by a tornado in XXXX. XXXX keeps denying my adjusters work sheet, saying its not complete. Myself and my insurance company has sent them ever document they have requested several times. Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call back. I would like to list my house for sale but am unable to because my garage had not been rebuilt because because they will not expect the documents from my insurance company. Ive lost 2 contractors and spent money out of my own pocket. I also still have no garage so my property is being damaged sitting outside.

Mor
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hello,
I just received my checks from my insurance company and my mortgage company is using this XXXX also.I am reading what has happened to everyone and now am soo disappointed to have to send them these checks. I to have a roof leak and it will start to rain in about another week or two. Does anyone have any advice?

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Same story here, XXXX  in damage ten months ago and they have paid out XXXX  of it and we are almost complete on the project. No one answers emails and the phone always dumps into voicemail. At this point if I dont get a check there is a good chance my contractor will lien my property.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am is the same boat as everyone else on here. I am trying rebuild a $XXXX  house and all they have gave me is $XXXX and I'm in debt to my contractor $XXXX  and he won't go any further. I get a different story from a different person every day and I'm tired of fighting them for my money. Has anyone had luck sewing them? I have threatened them several times and they don't seem to care.

More
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Replying to comment of XXXX XXXX
I am having same problem with XXXX XXXX XXXX Both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are using XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX  worth of damage on my home.

Now with XXXX XXXX  They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone. I am up for class action law suit. They keep denying my adjusters work sheet, saying its not complete.

Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call.

More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Verified customer
As I type I'm on hold with XXXX XXXX XXXX.. phone says 25 minutes and counting. I am waiting for them to release my XXXX XXXX check.
Work has already been completed OH just disconnected! How nice. Damage was done on XXXX XXXX Got the checks from the insurance company.
Forwarded them to XXXX. They will not release these funds! Now I'm behind on my mortgage bc I used those funds to do the repairs... thinking...
I will have my insurance check to pay the mortgage. I'm in on the lawsuit if someone contacts me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm new to this insurance claim check process but not new to Insurance claims. In the past XXXX  we had a fire, XXXX  hit by a tornado and now another tornado XXXX This company received our insurance check on XXXX  and processed by XXXX. Today is XXXX  and over 15 calls, 47 paid receipts sent, subcontractors info sent in have not received a dime. We are 75% complete with our repairs, requested 50% inspection on XXXX and nothing. I need my air unit replaced but need the money to pay that subcontractor before receiving the unit. Tonight I took a picture of 79 in my house. Yes, it's hot! I hope I have a better outcome than the others but have a feeling I won't. Please sign me up! I did submit a letter today for XXXX XXXX  for help and document all the time lines and conversations since they say they record the calls. This company is a real joke and the customers are always wrong.

contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified customer
Replying to comment of XXXX XXXX XXXX
I have been trying to get XXXX from these blood sucking company since XXXX XXXX.. The sad thing is thst my home owner ins company sent me a check in XXXX  for the XXXX  to repair the damages and I had to send it to XXXX XXXX which is part of my mortgage company and now theyre saying that I have to hire a contractor that wants XXXX XXXX XXXX XXXX XXXX  job and these blood sucking people wont even give me the number to the head Quarters so I can talk to someone that is in charge its so ridiculous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Replying to comment of XXXX XXXX XXXX XXXX XXXX - Class action lawsuit against XXXX  Getting XXXX  to release funds is nearly impossible. They lose documents over and over again. ...




I am having same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX  worth of damage on my home.

Now with XXXX XXXX  They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone. They keep denying my adjusters work sheet, saying its not complete.

Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call.

Company response to consumer: Closed with explanation