Consumer complaint received 2015-06-02
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage thru PNC financial services group since XX/XX/XXXX, XX/XX/XXXX me and my spouse had got behind XXXX months and our house was in threat of foreclosure and I entered a program to help to make a lump some amount to get back on track and that is what we did in XX/XX/XXXX and we were told my PNC that we were all caught up and owed noting. we have been since then. I recently requested a pay off statement and there was a large amount showing I has an unpaid balance of " corporate fees '' in the amount off {$1700.00} with no other explanation. I called that day to see what that was and why I owed it. the customer service rep assured me that I have no fees but a unpaid late charges in amount of {$310.00}, I told her could she please tell me what " corporate fees '' meant she placed me on hold for XXXX minutes and finally came back on line to tell me that she did see those fees " now '' and could n't tell me what they were and that a supervisor had to call me back the next day. the next day came an I received a phone call at XXXX Arizona time from a supervisor of customer service and she told me that she was sorry that she did n't know what the fees were for and that she would transfer me to the corporate office fee 's department but they were closed for the day and that she was sorry that she did n't call me sooner. I did tell her that this was an out rage that no one could help me and the me and my spouse had called numerous times and was told we owed noting. she apologized but there was noting that she could do but call me back the next day. she did and transferred me to the corporate department this rep told me that they were unpaid attorney fees for the foreclosure that I had XX/XX/XXXX I told her that I was unable to save it from that and she told me once they got ball rolling no matter how premature it was I still owed it and I told her that I was told the I owed noting when I paid the large amount to be brought back up. she told me that a new statement had been created after and that then I owed these other fees, I told her that I was never informed of these fee 's and that noting had showed up on my payment book of these outstanding fee 's she said that I would only know when I requested a pay off statement. and they she could n't tell me what they had told me XXXX years ago because that was different department and I owed attorneys fees to a attorney in the name of XXXX of XXXX, Arizona and to call them and ask what they had charged PNC for my case. I repeated that I had paid to be not in foreclosure and that I had entered in payment plan before I had to pay the large amount and she still was so rude unable to help me. I told her that I wanted to fight these charges and she began to place me on hold many times and finally said that her supervisor will go over the numbers and call me back. but I yet to have heard back. I called the attorney office and the secretary was so beyond rude and would n't let me talk I told her that I need a break down of my cases she said that it was so old that I had to request by fax. I told her that {$1700.00} was a lot for attorney fees she said that they only sent a letter out and requested a copy of the deed to call PNC but refused to tell me what else and yelled at me and said I have no idea what they charge and wont help me till I fax a letter request. 
XXXX XXXX mortgageloan # XXXX

Company response to consumer: Closed with explanation