Consumer complaint received 2017-05-12
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting your office to request that you review an outrageou s letter ( Uploaded to your site ) that I received from the Attorney for PNC Mortgage, relating to the servicing of my FHA loan, and their blatant attempts to obstruct the process of trying to get reviewed for assistance programs due to a delinquency on the loan. I was given the same information over the phone by PNC represe ntative  XXXX   XXXX . Basically, these ag ents of PNC stated that they would no longer consider me for any type of modification assistance because I have submitted too many applications. The letter did not state that I have submitted too many applications and they all have been denied ; the letter does not state that I have been approved for multiple modifications, so I am not allowed to apply again for two years -- -no, it appears that PNC is actually fabricating a reason to deny assistance through a government regulated program. Perhaps in this era of reckless government PNC feels tha t they can change the rules and deny access to government programs that are available for all FHA homeowners, but this is wrong. I am requesting that you open a formal investigation  of PNC Mortgage and the way that they are servicing your loans, because I am sure I am not the only one.       PNC Mortgage is the servicer of this loan, not the investor, and since this is a government insured loan and the investor is FHA there are options that must be consideredloan modification, partial claim, special forbearance, repayment plan etc. My issue is not that I have applied so many times ; my issue is that PNC has not completed a review in an efficient, competent or timely fashion. So this appears to me to be a false attempt to obstruct an FHA borrower from government programs that you are REQUIRED to  offer. There are no FHA guideli nes or restrictions relating to maximum number of ATTEMPTS, especially when the PNC staff is not even completing the review and issuing a decision. We have suffered a true and demonstrable hardship and fell behind on our mortgage. We are now back on our feet and our financial situation has steadily improved and changed. We are entitled to a full review for all government programs available. PNC Mortgage does not have the right or the authority to obstruct this process. I feel deserve the opportunity to have my case escalated to the Office of the President and deserve the opportunity to have my current and correct financial information evaluated for all government programs that exist for FHA borrowers. I have been told that PNC is  required to do so, and they need to comply with the federal rules and guidelines for this government insured loan. I actually as ked PNC if th is was an FHA rule or something internal, and they stated that it was an internal decision.     This is wrong, we have sufficient income to afford a reasonable payment and this is an avoidable foreclosure. I am requesting that your office intervene in this matter so that I have the opportunity to save my home with the programs that are in place.

Company response to consumer: Closed with explanation