Consumer complaint received 2021-11-09
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. DON'T CLOSE THIS COMPLAINT AS DUPLICATE.

1 ) I have a Conventional 30 Years Mortgage with XXXX XXXX & PNC Mortgage is Loan Servicer. I had Covid 19 Forbearance Plan, which is going to expire by XX/XX/2021 but PNC Mortgage is provided only 17 Months Forbearance Plan instead of 18 Months. The Loan Servicer, PNC Mortgage before my knowledge informed me that I am qualified only for Loan Deferment. I requested for Loan Modification but PNC Mortgage & XXXX XXXX is not providing me that option. I asked for the Guidelines but was not provided anything. I strongly think that XXXX XXXX & PNC Mortgage is behaving this to me as I am a Minority & Person of XXXX. I received Loan Modification from another Lender but unfortunately XXXX XXXX & PNC Mortgage is not helping me to get a Loan Modification but forcing me for Loan Deferment only. I think that XXXX XXXX & PNC Mortgage is acting this to Minority Borrowers & should be treated as Possible Criminals for Violations of CARES Act knowingly. They are trying to take away People 's House for their Greed & then collect Money from Federal Government for Compensation where they are not working with Borrowers at all. This is a big Possible Criminal Conspiracy to my opinion.

2 ) PNC Mortgage Servicing is not providing 18 Months Forbearance Plan to Minority, People of XXXX, XXXX  & XXXX American Borrowers & stating that XXXX XXXX Guidelines don't allow PNC Bank for 18 Months Forbearance Plan but only 17 Months, which is totally wrong. They are doing this knowingly. Even after notifying the Rules, they are harassing & intimidating Borrowers. Please take action against PNC Bank. Very Discriminatory Bank to my personal opinion.

3 ) After filing Complaint to CFPB, PNC Mortgage offered 18 months Forbearance & Loan Modification but doesn't allow me to visit their Branch to pay in person as they provided a Notice to m not to visit their Branches & claimed that I threatened them, which is totally false. I filed a Discrimination Complaint in XX/XX/2021 because I received very Poor & Rude Behavior but instead of taking proper action, PNC Bank closed our Joint Account without any Prior Notifications. Later send a letter stating that I threatened PNC Bank, which is totally false. I requested evidence of threats but PNC Bank failed to provide any evidence. I did notify PNC Bank that I will take Legal Action, which is my Constitution Rights but it's unfortunate that PNC Bank doesn't like to deal with clients who are XXXX XXXX XXXX, Minority, XXXX  & XXXX American. XXXX white employee of PNC Bank misbehaved with me but instead of taking action, PNC Bank send me a letter not to visit their Banks & I am unable to pay my Mortgage. I strongly believe that they are doing this because of their Possibly XXXX Behavior. 

4 ) PNC Bank sent me a letter stating that if I file 2 Complaints in 6 months period to CFPB, then PNC Bank & PNC Mortgage will charge {$250.00}. This is illegal & XXXX Action by PNC Bank & PNC Mortgage as PNC Bank & PNC Mortgage is trying to silence the voice of Borrowers, so that Borrowers won't file multiple complaints to CFPB & trying to cover-up all wrong doing & illegal actions by all means & trying to treat Borrowers as " Modern Day Slaves ''. Very shameful action. Please find document attached. 

5 ) Currently, PNC Bank & PNC Mortgage is not accepting the Property Value as {$250000.00} as ordered by XXXX XXXX XXXX XXXX XXXX XXXX ( PTAAB ), State of Maryland. Submitting the XXXX Order & Appraisal done by XXXX  XXXX XXXX XXXX XXXX, State of Maryland. The property value should be the value ordered by XXXX XXXX Appraisal value done by XXXX  XXXX XXXX XXXX XXXX, State of Maryland & not charge interest above the Property Value, {$250000.00} as per the Flex Modification Plan until the Loan is Matured or Refinanced or the Property is Sold. Instead of accepting the Property Value as {$250000.00}, PNC Bank & PNC Mortgage is assessing the property value as per Fannie Mae Property Valuation Estimate Report as {$530000.00}, which is insane. This price is double than the Appraised value done by the Department XXXX XXXX XXXX XXXX, XXXX XXXX Maryland & Order issued by XXXX, State of Maryland. PNC Bank & PNC Mortgage is making this decision to collect more interest by illegal, immoral, unethical & possibly corrupt way from millions of Borrowers. It's really shameful action. Please find all documents attached.

Company response to consumer: Closed with explanation