Consumer complaint received 2021-03-30
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with pnc mortgage I was a yr and 5 months behind on taxes before XXXX XXXX I paid XXXX taxes in full I was five months behind I have to house next to each other so I was paying taxes on both and got them both caught up I thought cuz I called and treasury told me I was caught up on both this was around end of XXXX of XXXX so I made a 2 mortgage payment on my house at pnc bank have them give me 2 separate receipts then in XX/XX/XXXX I paid two more then on the day before XXXX I got a {$400.00} check from PNC mortgage and this is a long weekend because Thursday and Friday we had off for the holiday so I called PNC this was on Wednesday night about 6 oclock asked why they sent me a check for {$400.00} and they told me it wasnt enough to cover my mortgage and I said yes it is it covers to mortgage payments and she told me know that my payment was XXXX and something dollars and I was four months behind just about five and I said what in I told her she had to be making a mistake and then a lady from Escrow got on the phone and told me I suggest you get a hold of you XXXX XXXX because they contacted us and told us that we needed to pay your taxes or they were going to put a lien on the house cuz they were protecting there investment have you this was Wednesday night before long XXXX weekend Thursday and Friday we are off for the holiday so I had to wait until Monday to call the treasure I talk to him he told me that they did not contact PNC mortgage about my taxes that I wasnt far enough behind and that a company called XXXX paid With a paper check In XXXX And he stated it was not PNC Bank so I was instantly upset I call PNC Bank back made A complete contesting the issue lady told me that it takes up to 30 days but in this case she thought it could be done in 10 days so I wait then in XXXX I get a letter in the mail from PNC bank saying that I asked for mortgage help which I never did then I got a paper stating that I declined the help and got a paper saying that my house is worth {$120000.00} and I owe {$11000.00} on it roughly and never answered me about my complaint contesting the taxes and being lied to from lady in escrow and payments going up and being behind in payments so the end of XXXX I decided I better pay this house off because theyre trying to take it I thought to myself and try to steal my house cause I didnt get no answers so I paid the house off which was XXXX and some dollars took all my savings and this was on XX/XX/XXXX I paid the house off at PNC bank itself they give me a receipt in a wait two months call and ask what happened to the escrow the lady couldnt answer me so I went another month and I call and the lady told me on the phone that the escrow went to payments and then she told me one was for XXXX and some dollars for foreclosure and I said what because they never said anything to me about my house ever being foreclosed on and I made a complaint about my payment going from XXXX to over XXXX $ without them contacting me and they sent all the paperwork to a house that I havent lived in for XXXX years and they had my current address but they said my mailing address was still at XXXX XXXX XXXX when I live at XXXX XXXX XXXX XXXX. which the bank PNC Bank has that on file because I changed it when I first moved so to make a long story short I made for payments without the bank saying anything to me about being short on payment never got a letter from the bank about foreclosure or escrow by payment getting paid up higher or I wouldve paid the taxes myself I wouldve made sure I paid them so my payment didnt go up so high and I didnt know anything about it until almost 5 months it was four months and three weeks when I found out that my payments werent being made and they sent me two checks back to {$400.00} one was XX/XX/XXXX or XXXX that I got and the next one I got after that and then I ended up paying my house off on XX/XX/XXXX cause I never got a response from the bank on my complaint contest what they did with my taxes and they were gon na take my house and they never said said anything about foreclosure to me when I made contact with them several times after I received my 2 payments Back in late XXXX I just felt it and I feel like they were trying to steal my home that I worked many years for and they never contacted me to even tell me about it and when I did contact them they never told me about it on the phone I just get these letters in the mail saying I asked for help which I didnt and I just paid it off on XX/XX/XXXX so I didnt have to deal with them anymore and I go to refinance my home that I live in now and I was denied because I got so many late payments in numerous late payments the lady told me on the phone which I was approved three months prior and then after all this Im not approved to go to 2.3 % from 5 % because of this issue with PNC Bank not contact me when they had my address and they said they had my new address but they had my old address for mailing purposes so they never I never got anything you sent everything to my old house and I never got an explanation for my complaint I never got a explanation on my escrow to this day I didnt know anything about a foreclosureOr paying for a foreclosure fee see they never said anything to me about this or I wouldve just paid it I wouldnt of got all these late payments because it wouldve been paid but they were taking my payments of {$200.00} a month when it was apparently went to XXXX and some dollars a month and I wasnt even aware of it and the bank didnt even tell me when I make the payments at the bank so I really feel like I got screwed and tattooed by this PNC bank and I feel like they were trying to steal my house

Company response to consumer: Closed with explanation