Consumer complaint received 2016-03-11
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been on the phone for at least 3 hours every day in XX/XX/XXXX & this month, as I do not see foreclosure sale have ceased on my home even though I have a mediation date set for XXXX/XXXX/XXXX. I have called the foreclosure attorneys repeatedly & no one has responded by mail, phone or otherwise since XX/XX/XXXX when they got involved. I requested a loan modification on my mortgage each month since XXXX/XXXX/XXXX when my hardship began. Each month the bank closed my file requesting documents which were already provided & /or which do not exist. A rep. at the bank advised me after foreclosure attorneys were involved I was n't eligible for a modification but still need to request it & if declined I then could work out a payoff quote. No one assisted in this matter whatsoever I was never declined. Every time I called the bank they said I did not provide records & every month I requested a payoff quote. Since I could not reach resolution & payoff amount from the bank or from the foreclosure attorneys I requested mediation. My check was cashed for {$50.00} & mediatio on XXXX/XXXX/XXXX date set. I mailed in documents as instructed by the foreclosure attorneys for mediation. An attorney I was working w/ also mailed in a request for mediation XXXX XXXX, XXXX & no one responded & not one person called us back. Since I have reported to my bank the foreclosure attorneys did not provide a payoff quote. The mortgage company said the foreclosure attorneys must provide a payoff quote & also must be notified of the mediation. The foreclosure attorneys were mailed copies the same & court got the documents but the bank & the foreclosure attorneys have not researched, have not assisted & not found the documents? This is consistent w/ the entire handling of my case-negligence. As a result a sale date established & since I have called the administrative hearings office, have called PNC Bank, have called the foreclosure attorneys & the only parties helping was the person at the administrative hearings office. I was advised unless there was a technicality she was not aware of the foreclosure sale date should have been canceled. However, this was not done! As I prepare my documents for mediation the bank has not reviewed carefully I called PNC on XXXX/XXXX/XXXX & requested why my account was not in mediation & they advised me to call the foreclosure attorneys. I advised my bank as I have done repeatedly since XXXX/XXXX/XXXX the foreclosure attorneys do not answer the phone, do not respond to letters, do not return phone calls. PNC Bank put me on hold & called the foreclosure attorneys on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & said they are requesting information from the administrative hearings. Each time I called PNC I requested my account documented why I was calling which is the foreclosure attorneys do not respond at all. Today XXXX/XXXX/XXXX an attorney assisting me told me there was a Motion to Strike Request for Mediation on XXXX/XXXX/XXXX. I feel it is the responsibility of the bank to advise me as I was calling each day as the XXXX/XXXX/XXXX sale date was coming. This account has already been compromised by several calling in & telling the bank erroneous information resulting in documents being requested of me which do not exist. Each time I call in PNC representatives tell me the previous rep. did not take any notes, did not assist me & did not input any information of the mediation in their systems despite assuring me they did so. I was assured by each PNC representatives " they are doing all they can ''. They did not do anything which resulted in a Chp. XXXX Bankruptcy today to stop this sale. No guarantee at all. I 've been requesting mediation since XXXX/XXXX/XXXX when PNC requested documents not applicable to my situation or me whatsoever. The Motion to Strike filed XXXX/XXXX/XXXX said I did not file timely? We had XXXX inches of snow schools, court closed, mail stopped for a week XX/XX/XXXX-XX/XX/XXXX! Please help!

Company response to consumer: Closed with explanation