Consumer complaint received 2017-09-28
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well you would think that we would have had enough with the last debacle with PNC regarding financing a home. I was assured and promised that if I gave PNC another chance it would be much simpler. That has proven not to be the case. 
I reached out to PNC to finance a home who I had originally financed through and had paid off in XXXX to pay for charges the city is mandating regarding the home be connected to the city sewer versus the septic it is currently on. 
I explained the property and the amount that was needed and started to go through the process then ran into some issues to say the least. 
I have been charged {$660.00} for an appraisal I never received on a Module home located at XXXX XXXX XXXX in XXXX XXXX that was originally financed through PNC. After I paid for the appraisal and had a lengthy conversation with the XXXX prior to him even coming to appraise the home explaining it was a module but was on a permanent foundation and on land that is owned, I was then told that PNC does not lend on module homes any longer and I would not be getting my full refund of the appraisal I paid for only a portion as I had to pay for the so called trip charge that was {$270.00} for him to drive from XXXX, Ohio to XXXX, Ohio which is XXXX miles or XXXX minutes. 
Then received a call from XXXX XXXX XXXX stating his apologies with Good news/Bad news information and then said he apologized but couldnt do the financing on the said home but definitely could do financing at a better rate on my home ( XXXX XXXX XXXX XXXX I use as a second and I agreed to then have that XXXX appraised. Not only did PNC not use the original XXXX I had originally paid but yet another XXXX and I was charged once again another {$500.00} ( money was taken off my credit card that was originally used for the first appraisal ) So XXXX weeks later and {$770.00} paid, I now still do not have a copy of either appraisals I have paid for ( {$600.00} paid XXXX/XXXX/XXXX with a credit back of {$330.00} on XXXX/XXXX/XXXX as I had to forfeit the so called trip charge as well as another {$500.00} on XXXX/XXXX/XXXX ) I am now being told that even though I own my houses all paid in full that I will need to do approximately {$20000.00} in work to obtain any kind of a loan on a home that has XXXX acres and was originally purchased for {$140000.00} for ridiculous repairs. Im being led to believe it isnt worth financing at all even with what the property alone is worth currently. 
Search XXXX XXXX XXXX Ohio properties for sale, including Farms, Ranches, ... the average value of land and acreage for sale in XXXX XXXX at {$23000.00} per acre. 
I would like both appraisals credited in FULL by PNC or be given both appraisals I paid for then I will be filing my grievance with CFPB/Consumer Financial Protection Bureau. 

I no longer want to do any further business with PNC and just want the money I have spent so far returned so I can work with a bank that is willing to help finance one of the homes I presently own in full. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation