Consumer complaint received 2015-04-03
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX I moved out of state for an employment offer that would allow me to be close to help with my mother who is dealing with XXXX .I have been working with PNC Mortgage since XXXX XXXX for a resolution concerning my mortgage. I tried to sell the house as " for sale by owner '' on the MLS since XXXX. Listed with XXXX as a short sale in XXXX XXXX, PNC denied the short sale deal. I then worked on attempting to have them approve a Deed in Lieu for my property. I have submitted XXXX hardship packages to PNC Mortgage, XXXX of them to obtain a Deed In Lieu. Each time they have found a reason to deny it. My latest attempt was in XXXX XXXX I was told that I was in-line for a " streamlined '' DIL and that I would have to send in the Uniform Borrowers Assistance Forms but no other documentation would need to be submitted ( i.e. : pay stubs, bank statements, tax returns, XXXX form, etc. ). I submitted the forms and hardship letter as requested on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX I was told by XXXX that they had received my package XXXX, no additional documents were needed and could take 30 days to review. On XXXX/XXXX/XXXX I received a phone call and follow up email outlining my conversation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with PNC Mortgage. She advised that she would have to close my file until my son who occupied the property had moved out and then I was to email her and she would " reopen the file and finish with the DIL ''. she also stated " once your son has moved I will then order the final inspection to be done at that time ''. I tried to email XXXX XXXX on XXXX/XXXX/XXXX but received a message back from the postmaster at PNC that my email could not be sent. XXXX/XXXX/XXXX I talked to XXXX and he stated my file was active in DIL review, we discussed emails I attempted to send to XXXX XXXX and was told she had left the company, that they had closed their XXXX location and all loss mitigation was now handled through their XXXX office. I was told I needed to clear liens on the property for the DIL and started working on that. XXXX/XXXX/XXXX XXXX called me to tell me file was closed due to the liens on the property and for me to fax the PNC Bank charge off letter along with my homeowner 's association dues XXXX paid statement and then ask for the file to be reopened for a " streamlined '' DIL. I faxed this information on XXXX/XXXX/XXXX and requested file to be reopened. XXXX/XXXX/XXXX I called talked to XXXX and he verified that they had received the documents on XXXX/XXXX/XXXX and the file was active in loss mitigation and was sending to a rep to process/review for the streamlined DIL. XXXX/XXXX/XXXX I called talked to XXXX who told me still pending DIL review. I advised that property would be vacant and cleared out on XXXX/XXXX/XXXX as requested in the emails from XXXX XXXX. Was told they would do their final inspection after this date and make their determination on the DIL. XXXX/XXXX/XXXX I talked to XXXX and was told file was closed XXXX/XXXX/XXXX " in error '' and was told that they would reactivate for a streamlined DIL. XXXX/XXXX/XXXX talked to XXXX - he stated that there was never an error in closing the file. He stated file was closed because I did not submit pay stubs, bank statements, etc. and he felt I was given wrong or misinterpreted information that was given to me and my only option now was to submit an entire hardship package for the XXXX time! XXXX/XXXX/XXXX I called for further information since all prior information, emails, etc seem to be a lie in order for me to clear the liens. They tricked me into spending money I do n't have to fly to XXXX to clear out the property and leave it clean with the promise of a DIL just to turn around and deny it. I talked to XXXX on XXXX/XXXX/XXXX and she stated that I did not qualify for a streamlined DIL due to my credit and that the streamlined DIL was set up in error by the Loss Mitigation Dept. See documents attached for details, notes and correspondence

Company response to consumer: Closed with explanation