Consumer complaint received 2018-08-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on the sale of my home on XX/XX/2018. The home was originally financed through a conventional mortgage with XXXX XXXX. For the following 2 months I made my mortgage payments, paid in full and on time to XXXX  XXXX as agreed. During this time I was not informed, never received any type of documentation or confirmation, letters Etc that my loan was in the process of being sold. Apparently, in XXXX of 2018, the transfer process from XXXX XXXX to PNC Mortgage was made without my knowledge. My loan had been sold to PNC Mortgage and both companies neglected to inform me, send notification or to confirm that I was aware of this change. 
it wasn't until I received a notice in the mail from PNC Mortgage collections, with a notice of early foreclosure that my mortgage had been transferred to this company. Again, I had no knowledge that my mortgage has been sold, transferred, or that I should stop making my payments to XXXX XXXX. 

I called PNC Mortgage immediately and inform them that I was never made aware of this change, that I had been making my payments and they were made to XXXX XXXX, written from checks directly from my bank. There is proof of this on my account. They informed me that the mail that they had been sending had been returned, for whatever reason, but I never received it. They were aware that I never received it. They were also aware that I had been mailing payments to XXXX XXXX. XXXX XXXX had been forwarding the checks to PNC Mortgage, assuming that they could process the payment. I was informed by PNC Mortgage that they could not process the checks due to the fact that they were made out to XXXX XXXX. They have been harassing me since this date, constantly sending letters and calling threatening foreclosure and collection when this entire time I have been making my payments and I was never informed that my mortgage has been sold. This harassment has continued and I've told them to stop. They refuse to stop harassing me and have violated federal law given the fact that they begin sending foreclosure and collection letters before I even became aware of the transfer of my mortgage. 

I cancelled the payments made to XXXX XXXX that could not be processed and once the funds were returned to my bank account I immediately paid PNC Mortgage. At this time my account is paid and is up-to-date, yet I still and receiving threatening, harassing letters of collection and foreclosure. They have no lawful reason to contact me or to put my credit in jeopardy or my home. I am current on my payments, I have never been late on a payment for anything in my adult life and these people have threatened and harassed me when they never even informed me that my mortgage has been sold to them. This is a corrupt company and what they are doing is highly illegal. I will be filing a complaint here, I have contacted HUD for assistance and I will be contacting the Attorney General 's office as well. I have told PNC Bank to stop harassing me, to stop calling, sending letters of collection due to the fact that my account was current and paid. They have no legal right to threaten me. 

there are also issues with privacy and the information that PNC Bank has obtained on me. I never applied for a loan with PNC Bank, I never gave them my personal information and I never consented for them to have my personal information. They have phone numbers for me from the last 15 years that we're never public record. This is an absolute violation of my privacy and I believe that this is something that needs to be investigated as well. They have immoral, unethical and illegal business practices. PNC Mortgage is breaking the law

Company response to consumer: Closed with explanation