Consumer complaint received 2018-04-26
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FOREWORD : PNC HAS NOTARTIZED THIRD PARTY AUTHORIZATION FROM ME, A COPY IS ALSO ATTACHED, THEY CLOSED THE RECENT TWO COMPLAINTS CLAIMING I AM NOT AUTHORIZED, I AM AND HAVE BEEN SINCE XX/XX/XXXX LOAN # # XXXX BORROWER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is my desperate attempt and plea for some resolution on this file. 

This short sale has broken me down with truly uncalled for stress and in the seven years Ive been negotiating short sales, I can not think of a worse experience than Ive had with PNC on this file. I have been working this file for over a year of my life ( since XX/XX/XXXX ) and I am desperately hoping for some help to finally get this resolved. 

Just when it seemed like we finally made it to the end and the approval was issued after 116 days in review ( with the current offer ). We were unable to close because a XXXX lien was found on title. However, on XX/XX/XXXX via phone call with XXXX XXXX she stated that the investor has APPROVED to pay the XXXX lien from sale proceeds. Which was what we were hoping for, however it is now two weeks later and I still do not have the updated approval to move the file into closing. The second lien, XXXX  XXXX XXXX already had to RESTART the short sale because we already received the maximum amount of extensions while we were waiting for PNC to approve. XXXX XXXX XXXX came through and reissued a new approval ( attached ) that expires on XX/XX/XXXX. Which we must close by then as weve already exhausted our options with the second lien. Not to mention, the longer it takes to close the higher to pay off balance will be on the XXXX lien that was approved by the investor to pay from sale proceeds. 

Alas, there have been several prior issues with the processing on this file that I will not go in to details with as there is already much to deal with on the current matters. ( complaint XXXX about PNC BANK N.A.. ). 

Anyway as I mentioned above, we have/had approve on the short sale from PNC since XX/XX/XXXX, which has an expiration date of XX/XX/XXXX. It was confirmed by XXXX XXXX on XX/XX/XXXX the investor then approved our request for the XXXX lien that is in third position in the amount of {$6400.00} to be paid from sale proceeds. Now it would seem like everything would be grand and straighten out and we can proceed with closing however, I have yet to either get the confirmation to use our current approval, OR if PNC is going to issue a NEW approval that includes mention of the XXXX lien. Upon waiting I have been plague with the following requests from PNC that ae tedious and completely obsolete.. 

XX/XX/XXXX, XXXX stated the investor HAS approved our request to pay the XXXX lien, BUT they are asking for a NOTARIZED authorization. 
o Again, like I said before I have been working this file and a recognized authorized third party on the file for over a year, recent TPA even sent in back in XXXX. The request for a notarized TPA at this point of the game? Unnational yet I still complied. 
XX/XX/XXXX, Aside from the request for the notarized TPA I was then told to resend every-single-short sale-document, RESIGNED AND INDVIDIUALLY NOTARIZED. Sigh, again I have been negotiating short sales for over 7 years and never ever have I been requested to have documents already accepted be resigned and notarized when the documents dont even require. Yet I still completed and submitted the notarized documents on XX/XX/XXXX. 
XX/XX/XXXX, I was then requested for the identification the notary used when the signed documents were notarized by her. The same day not only did I forward the photo-copies of the ids, but also from the email from the notary to show authenticity. 
XX/XX/XXXX, I received a message stating PNC is now calling the notary and demanding even more. More of what? I dont even know and can not even phantom at this point as we complied and provided everything imaginable. 

I received an email from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to the listing agent. XXXX ( the notary ) is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? 

Again, the short sale is/was approved with our offer, Investor approved the amendment request for payment to the XXXX lien, we still dont have the revised approval to move to closing, we really are exhausted and want to move to closing. Please put us out of our misery. 


Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : XXXX XXXX, Can you please call me today, I can be flexible and if you need to schedule a particular time I can make that work. Something has to be done on this file today, thank you I know you are trying to help and appreciate your time and assistance. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Can you please call me ? Emails are not working, I just received the message below from the agent. There can not possible be anything wrong with the documents, per loss mits request I had EVERYTHING signed and notarized. Document that do not even require to be notarized which the only way to notarized them was to include a jurat which was done. Why is this file being held up again, I provided you notarized documents, proof of identification the notary used, what is the problem? Honestly, XXXX you know my frustration is stemming from a place where ive tried to be patience, I have been negotiating short sales for over seven year and I have never had a file make me want to give up as much as this one and what PNC is putting every one through unnecessarily. 


Hi XXXX I received the email below from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to me. 

XXXX is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? 

Is there something further we need to do? 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct XXXX FAX Email : XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I sent you this already it is not only copies of the IDs the notary used for the documents they notarized but you can see it was sent BY THE NOTARY SPECIFICALLY via email. What on earth can I provide other than this? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX   To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I received the following response from loss mitigation service partners : THE NOTARY WAS TO PROVIDE COPIES OF THE DOCUMENT USED TO VERIFY THE IDENTITY OF EACH PARTY. 
THIS IS NEEDED BEFORE WE WILL PROCEED. 

PER EMAIL FROM CA SUPERVISOR, THE IDENTIFICATION MUST BE NOTARIZED BY THE SAME NOTARY THAT WITNESSE D THE DOCS BECAUSE THE NOTARY FAILED TO PROVIDE TH IS WITH THE INITIAL PACKAGE AND THE NOTARY AFFIDAV IT DID NOT INCLUDE THE TYPE OF DOCUMENT USED TO VE RIFY IDENTITY. 
WE CAN NOT MOVE FWD UNTIL WE HAVE THIS INFORMATION XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please follow up with them/investor to give some sort of timeline on when it will be confirmed to carrying with closing with the PNC approval we already have or if you will be issuing a new one? Please? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX   To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Ive sent this over to loss mit to review. 

XXXX XXXX Escalation Lead, XXXX XXXX Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Please see attached, is this enough proof to move forward? I apologize for my hostility but I know you know what Ive been through with the file and entire experience and the stress has gotten to me. Please let me know when the approval will be released. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please provide more information on when the approval will be issued? It doesnt make sense the file has to be at a stand still because of the documents because the documents are not new and were already reviewed, you just had me have them all resigned and notarized. The short sale was/is approval and you said it is okay for the XXXX lien to be paid from sale proceeds, so what is the hold up? Please let me know as I have to give the buyer an update today to prevent them from walking. Thank you for your assistance. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High But you said last Thursday the investor APPROVED the request to pay the UCC lien from sale proceeds. We already have approval why is the file being treated as if it brand new and all document need to be reviewed they are documents already reviewed and approved we just had to inconveniently have everything re-signed and notarized per underwritings request. Why is this holding back closing when everything was approved? What am I supposed to tell the buyer? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I do not have any updates. I have sent over all documents that you have sent me via email to my service partners in loss mitigation for review. 

Thank you, XXXX XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX 2nd lien had to REAPPROVE the short sale since we had their approval for so long and they were unable to issue any more extensions. Attached is the update approval. I need to move this file into closing but need your new approval letter acknowledging payment to the XXXX lien from sale proceeds. Thank you Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX We received your complaint. 

XX/XX/XXXX Hello, Thank you for your complaint XXXX about PNC. 
Keep this communication and your complaint number so youll be able to track your complaint throughout the complaint process. 


Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Do you have an ETA on when the update approval that allows the UCC lien will be ready? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I have sent the documents to my service partners in loss mitigation. 

XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Loss Mitigation XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN XXXX XXXX BORROWER : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I just wanted to confirm receipt of the notarized documents that I returned on Friday. Do you have an ETA on when the approval will be issued? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN # XXXX BORROWER : XXXX Anderson PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX **** Good Afternoon, Please find ALL documents notarized and resigned attached. Please submit so the revised approval letter can be issued. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Loss Mit needs the notarized signed authorization for you. 

Ive asked loss mit to hold off on getting the ( complete ) package re-signed and notarized until we get a decision back from the Investor regarding the lien you brought to our attention and with additional research you provided surrounding it. As mentioned, we do need the notarized signed authorization. 

If you and the borrowers want to contact me ( together ) I can listen to your concerns and share them with my service partners. 

As Ive advised, I have asked my loss mit service partners to try and contact the Investor for an update. ( as of the date/time of my email Ive not heard any updates ) Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I just received this from the XXXX, ARE YOU KIDDING ME? @! @ XXXX @! @! 


Good morning XXXX, I just received a phone call from XXXX, from PNC, and she said that we not only have to fax/email the 3rd party authorization form for you to receive information but now we need to re-submit ALL the forms from the beginning. Like the Hardship assistance form, the listing agreement and the purchase contract, with signatures and our loan number on every page. When I inquired why we would need that she said its for our protection because our signatures were not consistent throughout this process. 
Im very confused as to why that is when in fact they were OUR signatures. Does this sound like a normal thing? 
She also said that we can just copy the already filed forms BUT with NEW SIGNATURES under the old ones and everything needs to be notarized. So if anyone still has those copies can you please email them to us so I can get this going. 

XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Any update from the investor on the XXXX lien? Its been two weeks I am on the verge of giving up.. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX I doubt the sellers have capacity to have it printed on legal. I told them to have the notary include a jurat. Thank you for your response. Please let me know as soon as you hear anything from the investor about the XXXX lien. If we dont have this cleared up soon its going to be a dead deal because the 2nd will not extend. 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. 


From : XXXX, XXXX [ mailto : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , That is the only authorization form that I have. Are you able to print in on legal size paper to allow for a notary seal? 

Its my understanding that loss mit is not requiring a certain form they are requiring that the verbiage to be present for the authorization and the signatures of the borrowers to be notarized by a neutral third party. 

Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Thank you, I appreciate you reaching out so the investor can be followed up with. 

The authorization doesnt even have a notary block and is has to be notarized? 

Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation