Consumer complaint received 2018-06-13
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2015 I started inquiring about home loans through PNC Mortgage Company. The process took about 8 months and during this time my credit was pulled many times without my consent. I was giving verbal updates about stalling and needing continuation but never any updates about them needing to repull my credit over and over nor was I aware this was happening until I looked at the many inquires on my credit file. My credit prior to seeking this loan was at nearly an 800 and after I completed my Home loan my score was around 590 to 615. I suffered financially because my loan was not completed in time and I had to endure expensive month to month costs since I was out of my contract in my apartment. all in all this company was not able to complete my file because the location that I was working with had shut down and they had to transfer me to somebody out of state. I was not given a reason as to why they were shut down but I can only assume that their practices were unethical and that might have had something to do with their being shut down. It was a major inconvenience that i was transferred to another person in another state Named XXXX XXXX. So I mentioned to her all of my credit inquiries and financial burdens I had to endure and the major inconvenience it caused me -time and hours out of my day to sort through all of the issues I had with a PNC Mortgage Company . so to attempt to resolve the issue she refunded me my appraisal costs but I never heard anything back about financial compensation in regards to me having to pay out of pocket month-to-month at my apartment being out of my housing contract. XXXX XXXX was the lady who was working my loan originally and she told me I was to have my house keys on a projected day, and when I called about getting my house keys another lady said that she had never even completed my pre-approval but I had received pre-approval letters and had them on file so upon complaining to another loan office named XXXX XXXX   I had only got my appraisal finances refunded and that is the only thing that was settled in regards to my complaint with the company. I am writing this complaint since it has taken me 3 years to repair my credit since this issue has happened, I personally feel that I am I entitled to financial compensation. Not only did my loan with PNC Mortgage never get completed but I had to change to another lender and they opened and closed my file and completed my mortgage within one month. Upon looking at refinancing my home I found out that I am able to put a complaint on file and potentially resolve this issue that has personally scarred my experience with any home loan companies regarding credit scores. I have missed out on many opportunities to use credit because the damage that was done from PNC Mortgage. Below is the office and representative who mistreaded my file for future references.

XXXX XXXX  Mortgage Loan Officer PNC Mortgage, a Division of PNC Bank, NA NMLS # XXXX The PNC Financial Services Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX, WA XXXX XXXX Office

Company response to consumer: Closed with explanation