Consumer complaint received 2019-04-30
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with PNC. My house is owned by myself and my brother. My brothers wife was paying the monthly payments ( which are in my name ) and she decided to call PNC and change my personal information, i.e., mailing address, email address and phone numbers. The house payment was not paid for several months. I claim the house for tax purposes. In XX/XX/XXXX, I was filing my taxes and did not have the 1099 to claim the interest on the house. It was then, I found out that PNC let all my personal information to be changed - they have admitted they could see by the telephone number and the voice recordings it was not me. PNC told me my address and all personal information was changed in XX/XX/XXXX. 

Since I found out about the breach of my personal information being compromised, I have been trying to work with PNC to fix this. 

I am retired on XXXX retirement, I have filed a modification with PNC and they have turned me down. I have made two payments in XX/XX/XXXX and one payment in XX/XX/XXXX trying to save my house. I have a tenant living in the house and Housing paying the mortgage and a second mortgage attached to the house. 
Please see below an email I sent to the CEO of PNC pleading for his help to correct this and remove it off my credit. I had perfect credit and would not do this to myself. 

" I spoke with XXXX XXXX and XXXX XXXX of PNC yesterday [ XX/XX/XXXX ] ... which got nowhere. 

XXXX said they ( PNC ) report factual information to the credit bureaus and can not remove it. That is not true ... for one ... it was not factual, second my information through PNC was changed or compromised. PNC did not protect my personal information. Third. THE INFORMATION WITHIN THE CREDIT BUREAUS can be changed. They are not government regulated.. I also have a dispute filed with them against PNC. 

I will also file a complaint with Consumer Finance ... as the Federal Reserve told me PNC is regulated by Consumer Finance. 

I want to speak with XXXX XXXX [ CEO of PNC ] .. or I will reach the national news about my issue with PNC . The investor is also involved as if now. 

XXXX stated yesterday they don't know if I basically did this to myself ... PNC can not prove it. I did not change my personal information. PNC has the erroneous phone numbers and the phone recording.. that is NOT ME. XXXX told me my mail was going to a P.O. Box in XXXX XXXX. Md ... I have a street address in XXXX Md. 

I WANT THIS OFF MY CREDIT AND A MODIFICATION. I put in for a modification and as of yesterday I'm being told I would have to file again ... This has been going on since XX/XX/XXXX ... since I found out about it. As of XX/XX/XXXX the payments are being made ... I have a tenant in there with a lease agreement ... Housing is paying it and there is a second mortgage attached to the house. 

If this forecloses the INVESTOR will lose about XXXX. Plus Federal Reserve told me PNC will have to honor the tenants lease ... which was just signed. Plus second mortgage attached to the property. 

I WANT TO SPEAK WITH XXXX XXXX or this will be national news .... 

STOP PASSING THIS ONTO OTHERS IN PNC ... I want this fixed ... .off my credit and a modification. '' I told PNC, Ms. XXXX I was going to file a complaint with Consumer Finance and she said that it would come to her and she would reply that I ( XXXX XXXX ) was basically at fought. My information was compromised, changed, and PNC let it happen, and now I have bad credit and may lose my home. 

I also have emails from PNC stating the were able to find the recordings and phone numbers of the person who compromised my information. 
Also, Ms. XXXX told me my credit has been sloppy with PNC since XX/XX/XXXX, I provided copies of my XXXX  credit report dating from XX/XX/XXXX to present. Her accusation was incorrect as to my credit. 

My mail was sent to 2 different addresses. I will attach it along with a copy of my credit with this account. 

Someone please help me get my good name back - my credit and save my house.

Company response to consumer: Closed with explanation