Consumer complaint received 2017-01-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, I am filing this complaint for four specific reasons with regards to my attempt to request a loan modification and prevent foreclosure of my primary residence. My loan is with PNC Mortgage ( PNC ) 1 ) I had previously rented a couple of rooms in my home, my renters ' vacated on or about XXXX XXXX, 2016. I was out of time at the time and I came back I found that my locks had been changed and there was a lockbox on the door. I feel this was in violation of my rights as I was never given any type of notice. I had to call PNC to gain access to the house. I was told I had the right to continue to live in the house while my loan modification was processing.I told PNC I was scared I might go to work one day and they might lock me out again. I was assured that no one from PNC would disturb me, however PNC did come to the house two more times I just I happened to be home. 
2 ) Secondly, I have been attempting to request a loan modification for 6mos now and I feel that I am not being treated fairly. In short, my experience thus far has been this : I submit a complete application ; shortly after I am asked to provide more documents ; I provide the requested documents and do obtain confirmation of receipt ; I later call PNC to get a status update and am informed that I have a new Single Point of Contact ( SPOC ) and that my case has been closed due to PNC not receiving the requested additional documents and I am told that I can try again. I do try again and I get the same results : I am required to send in additional documents, I do so to my SPOC, I proactively follow up with PNC, I then find out that my SPOC has changed, and my case is closed again due to PNC not getting required documents, am told to try again. After a recent conversation with a manager at PNC it is clear that my documents were received and were not forwarded/logged in properly. I am told to try again, a third time, and I now have a sale date that is just weeks away. 
3 ) My third issue is with the additional items required from PNC after my last application. In a letter dated XXXX/XXXX/16 PNC asks for XXXX items, plenty of which were already including in my XXXX-page application that was submitted on XXXX/XXXX/16. I was offended that PNC required me to send actual receipts for my food purchases, housekeeping expenses, apparel, PERSON CARE, and miscellaneous. In general, I have not had any issue supplying whatever PNC requested. However I fear that supplying this level of detail will make me prey to discrimination and other prejudices. And I must supply this items or my case wo n't move forward? How/why does the cost of my soap and XXXX, which is lessthan $ XXXX/mo, come in to play with PNC deciding to modify my loan or not!? I feel as though this is a form a harassment or aggravation and very much out of line. I am an XXXX female. And I KNOW that PNC has discriminated against XXXX in the past. I am familiar with the XXXX XXXX Dollar class action suit where PNC was found to be charging XXXX customers higher interest rates for several years. If I was a XXXX male, would I be given so many obstacles? At this point I feel as though PNC may deliberately be trying to sabotage my case and would rather take my home instead of work with me. I had a hardship, but I am past that, I am perfectly capable of paying my mortgage now. I 've had a stable XXXX for 15 yrs. I just want to be resume paying and get back in good standing. 
4 ) The fourth matter is my Notice of Order to Docket ( received XXXX ). There was a statement on this document that said " modification not applicable because the house is vacant. '' At that time PNC was aware that I was living in the house. That was a blatant lie. A falsified legal document. If it said " a modification is pending '' instead I might not have a sale date right now. 
THIS ONLY A SUMMARY. Please see attachment!

Company response to consumer: Closed with explanation