Consumer complaint received 2015-08-13
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
To whom it my concern My name is XXXX XXXX I am writing in to file a Complaint against XXXX XXXX XXXX XXXX XXXX XXXX a loan officer at PNC bank XXXX XXXX XXXX. XXXX FL XXXX. In XXXX I came in to the PNC bank to receive information on getting a mortgage loan I talk to XXXX XXXX he informed me of all the documents that I would need to provide him with. I then came back XXXX XXXX th and gave all the required documents that were need to start the process of my loan. On XXXX XXXX called XXXX left a message to contact me and never receive a call back. I came in to his office XXXX XXXX th to find out if my loan was in process or if I was approved at all. He informed me that my loan was approved ( lie # 1 ) and that all he was waiting on was for the appraisal office to contact him ( lie # 2 XXXX. I then waited till XXXX XXXX came and spoke to him at the office to find out what was going on with the appraisal office he then told me he was in contact with the appraisal office and that they needed the address to the property ( lie # 3 ) at that time I did not know the address but informed him I had the deed and which he said that would be fine and made copies and told me that the appraisal office would be in contact with me with in a couple of days .I waited till XXXX XXXX contacted XXXX by text message cause at this time had not heard anything. he replied that he would find out for me and then never replied back. I then went in to the office on XXXX. XXXX he told me that the appraisal office never contacted him ( lie # 4 XXXX. So he cancelled with that company and ordered a new one with another company ( lie # 5 XXXX. at this time I felt very uncomfortable and had the feeling I was being lied to I ask him what my loan number was and was given a false number ( lie # 6 ) and the date my application was put in which he told me XXXX XXXX. XXXX lie # 7 ) I later called PNC mortgage company on XXXX XXXX and was told that I was not in there system. And the loan number that I was given was not a number that they would use. On XXXX XXXX I called PNC mortgage and found out that a pre application had been put in on me from XXXX. On XXXX XXXX. On a property location that I do not own. The way I was treated was so uncalled for. The past XXXX weeks I have been lead to believe that I had a loan. That my financial need was cared for. XXXX XXXX knew how important this loan was to me and my family and to be discard as an unvalued customer this is very upsetting. To knowingly mislead someone and lie straight to my face on seven different occasion is disgraceful. My time is very valuable and he has wasted six weeks of it. He obviously does not follow the PNC code of ethics three being Customer Focus, Respect and Integrity to me XXXX XXXX has not upheld these qualities .and has tarnish the PNC name for me. 

I have never been treated in such an unethical unprofessional manner. At this time I deserve an explanation to why he needed to lie to me and an apology for his dishonesty. 


I hope to hear back from you about this incident soon. 
Thank you for taking the time to read my letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation