Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

I submitted complaint # XXXX. I received an email on XX/XX/XXXX at XXXX stating that PNC responded and needed additional time. A second email came in at XXXX stating that a response had been received and the case was closed. No response from PNC was received only a copy of my complaint. 

Due to this error I am submitting another complaint for the same reason as the above case number. 

In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. This has now been changed to XX/XX/XXXX. Also, in the hearing held on XX/XX/XXXX and XXXX, PNC representative stated that she did not know what happened to my payments.