Consumer complaint received 2019-02-28
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Loan number:XXXX What happened? 

XX/XX/XXXX I signed for a heloc loan which was due paid in full in XX/XX/XXXX XXXX. or refinanced by XXXX XXXX. because of the financial crisis of XXXX XXXX XXXX merger with national city and pnc bank . I was told to not worry about the XXXX due date and just keep making the payments because they could not find my loan documents and that I would get a new document with a new date for me to sign. I went to my branch a few times to refinance or get information way before the loan due date of XX/XX/XXXX and I was told not to worry just keep making my payments which I did. In all this time I have never been delinquent or asked for a loan modification or any hardship assistance or benefits. I have never been delinquent or late on my first mortgage or my heloc second loan with pnc bank. This loan was for 10 years they have never sent me any documents or paperwork with a new loan due date. In XX/XX/XXXX bank letter I received a letter from pnc saying that my heloc loan borrowing period was ending XX/XX/XXXX and I have 3 options, refinance, pay the balance or may be eligible for other repayment options and I would receive a notice with a change of my minimum monthly payment due. I was never told in writing or verbally that the full loan payment was due now or the urgency involved. I then went to my pnc branch and spoke to XXXX she told me I could not use the credit line any more and my interest and payment would go up monthly that i was better off refinancing the loan for a lower interest rate and monthly payment instead of continuing to pay the higher amount. I also had called the bank and spoke to a few more people looking at what finance options I have the answers were all different. In XXXX I spoke to the pnc loan officer XXXX and filled out an application because he sounded more knowledgeable and gave me better information and options to refinance or get an installment payment loan and had explained to me all my finance options. I filled out the application and submitted it. I was denied because of serious delinquencies on my heloc loan and the loan was closed and in default triggering my bad credit score. That is impossible because I have made all of my payments on time. Loan officer told me this is why my loan was denied and I had a hard inquiries from pnc that also lowered my credit score. I also for the third time asked for copies of my heloc loan and he requested them but I never received them. I had asked for this before at least twice from the bank and have never received them. My loan officer told me to request an extension that I would get that no problem but I also was denied an extension for no reason. I told him I was denied for an extension he was shocked and baffled when I told him this. I received a copy of my credit report it show that I was behind on my second mortgage payment and that I owed a XXXX XXXX bill of {$250.00} I called the company they told me they did not receive payment and I authorized them to take money from my account which they did and marked the account paid in full. I also seen the pnc heloc loan had late payment of {$23000.00} for the full amount and the account was closed. which they never notified me that the account was closed and the full amount was coming due and needed to be paid in full. The heloc loan had an XX/XX/XXXX due date not a XXXX due date. The bank never sent me any paperwork or documents extending my due date or when it would be due in full. I always got the run around. Considering I have more that {$120000.00} of equity in my home I would never default or let the bank take the property. I would prefer to refinance or sell the house and pay the bank the money owed and not risk my retirement savings. But I never received any documentation or proper legal notice of my due date. A 30 day notice is not enough time to do anything. When I got my heloc loan I signed papers and I knew way in advance that the loan would become due in XX/XX/XXXX. If I would have gotten proper and reasonable due date of at least 1 year or 6 months advance notice and not had the fraudulent inaccurate reporting to the credit agency this could have all been probably fixed and avoided. today I continue to make all my payments and I am not behind on any payments as agreed upon by the terms of the loan and that for this reason I am not in default triggering a foreclosure or the loan being called due. Now I called the bank and they told me to speak to there bankruptcy department. That does not make any sense. I have also been waiting for my legal heloc loan documents that I signed and have requested 3 times. I am requesting these documents again saying the loan is due and must be paid in full XX/XX/XXXX. 
I feel sick and discriminated against by this bank in the way they have treated me unfairly and unjustly. I have health issues and have been able to make all my payments till the present time. The only hardship I have was created gross negligence and fraudulent deceptive practice of pnc bank. 
Supporting documents : heloc loan documents payment printout to bank on loan matured note demand stating the loan was payable in full on XX/XX/XXXX credit report showing credit score and what has been reported by pnc bank. 

bank letters pnc bank XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX corporate office HEADQUARTERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation