Consumer complaint received 2017-02-02
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
UPDATE AS OF XX/XX/XXXX2017 : I decided to try one more time to do a loan mod, I think my 4th try at it. The 1st time they said I made too much, 2nd time I did n't make enough, 3rd try PNC said I did n't turn in an item they had requested so they closed it ... I had called almost daily or every other day asking if they needed anything else. No one ever said I was missing anything and they closed my request. Fast forward several years later ( now ) and even though it causes me a GREAT deal XXXX I decide to make one more go of it. This time I go through XXXX for their help. They did n't get everything to PNC in a timely manner & need more bank statements & update some items, I do. Then PNC is not efficient & request another round of bank statements & couple other items PNC. I sent my requested items to PNC on XXXX/XXXX/2017 w/ a XXXX/XXXX/2017 deadline. I have confirmation that ALL faxes went through. I call to confirm they received everything & my " assigned '' rep is so incredibly rude & continues to tell me to resend many items. After arguing w/ her for several minutes as I am just asking her to confirm she really needs them as I DID fax all items it becomes apparent she will not look it up & is very belittling to me. I finally ask to be reassigned a new rep. I finally talk to someone that takes the time to look up the items and sees that I have turned all requested items in and puts in a request for a new rep to be assigned to me. PNC does assign a new rep. I call new rep to confirm she has everything. This " go around '' I leave a message for my rep to call me back. On their VM they say they will return calls within 24 hours. I have NEVER received a single call back from my assigned rep, neither rep. So then I get a call from PNC yesterday ( XXXX/XXXX/2017 ) asking if I would like any assistance with my loan ( ie : loan mod etc. ). I say, " I have applied for a loan mod already and waiting to hear ''. She says, " They have closed that request as you did not provide the paperwork requested ''. All I can say is " WOW ''. She says but you can apply again. After getting over being in shock (. I said why has no one called me? She replies, " We have a no contact in place ''. Yet, she called me. PNC also says I owe XXXX in XXXX place yet my amortization schedule ( which I requested from PNC ) says I owe XXXX. I can go on & on but I am out of room. 
Previously wrote the following : I have been through XXXX and back with PNC. After being denied for everything I asked for, several different ways ( Hamp included ) I ended up having to pay an additional $ XXXX/mo. for 2 years to save my home from foreclosure. I have been paying for almost 11 years and only owe {$13000.00} less than my original loan amount. How is this possible? I am current and my rate continues at 5.875 % with NO help of ANY KIND from PNC. And apparently I agreed to a 40 year loan when I agreed to pay an additional $ XXXX/mo for 2 years. Since they refused to take payments from me during the time I was trying to do a loan mod ... it got out of control, on my end, and they ended up with ALL the control putting me in a desperate situation to save my home. I have been disgusted with PNC actions since I tried to make adjustments as my Husband had lost his job and we were both in industries that were hit hard by the recession, Construction and Real Estate. We ultimately saved our home with MANY sacrifices and NO THANKS to PNC. Our original lender was National City merged with PNC. If there is EVER a lawsuit with PNC, I would love to be included as I feel they are corrupt and we paid the price! I have pages of documentation during the process of PNC doing everything to not qualify us for any program. I believe it is because we were XXXX of the rare cases that continued to have equity in our home. I always felt like they were trying to get our home and not help us stay in it. Please notify me of any opportunities to sue PNC

Company response to consumer: Closed with explanation