Consumer complaint received 2016-03-22
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spent 3 years and 6 months to receive a Hamp mod from pnc mortgage. I filled out over 10 Workout packages, I had contacted FHA, Hud, Mass A G O office, office of comprtroller of currency, and several other agancies, The Massachusetts Attorney Generals office worked On my behalf and had me reach out to Boston XXXX, which is a non profit that saves home owners from foreclosure, I applied and was approved for XXXX XXXX and tried to do a short sale to the non profit so I could ultimately save my home, PNC mortgage stated I did not qualify for anything, not even shortsale, they also stateted foreclosure was only option, they also filed service members civil relief act in early XXXX 3 seperate occasions, while I was in open workout packages and had approval with the non profit, so save my home from foreclosure. also in XXXX I sent workout package to FHA for home retention and Fha sent to pnc on my behalf, 9 months after working w FHA directly and PNC mortgage pnc stated I was not reviewed, due to non home retention being filled out in paperwork,, which is false, I have filed freedom of information act and received the identical workout package from this request that I submitted to FHA and then FHA gave to PNC on my behalf, it was marked home retention, My contact at FHA was A XXXX XXXX at that time. I finally received a Hamp mod in XXXX XXXX and the amount is XXXX, on an appraised value of XXXX of my home, I asked for A different mod to lower my principal amount to 15 percent over appraisal value of home plus escrow and other fees added, this would give me a principal amount of XXXX. 
I have received a letter from the regional director of HUD satating everything i did was fair and factual and in the best interests. 
my listing is backed by 1200 phone calls to PNC, 2500 faxs, 13 workout packages, A non profit that was guided to me by my states attorney generals office, and accepted for loan and amount and pnc will still not approve a shortsale after alll other avenues I was t old were closed. Then they modify me in excess of XXXX over appraised value, my claims are as follows and are backed up, I have exhausted all avenues with PNC and all other agencies, I ask that the CFPB, look into this matter and fine PNC mortgage, I look for only a fair modification, over appraised value of 15 percent with what I believe I should have received, but PNC took over 3 years to midify. 
due diligence in credit review Dual tracking Dodd Frank violations unfair credit review unfair credit reporting violations of Hud servicing guidelines violations of deceptive banking practices violations of timely credit review giving me legal advice on phone that harmed my credit and continued me into filling out 13 workout packages, and consistently lieing to me with lost paperwork I give the CFPB full access of my file and request that I receive a modification from Pnc mortgage that is fair and unbiased from familial status. 
thank you, My statements are true, I never had a face to face meeting at any point with PNC, during all foreclosure, there attorneys fees were even listed at XXXX and i never spoke to foreclosing attorney. I am current with my payments as of today, and will abide by mod received, previously PNC has created a situation that I believe is at the worst a regulated bank can do, My belief that they could not forelose, due to me stating all along to PNC what they had did wrong, so In the end I saved my home, but the direct lies they even told FHA in the process for 9 months, is unacceptable, they should be prohibited from making FHA loans until changes are made.

Company response to consumer: Closed with explanation