Consumer complaint received 2016-09-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

Statement of Relevant Facts in order of date for PNC Account # XXXX # XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Civil Division Case # XXXX as the Secondary Mortgage - second lien position behind PNC Account # XXXX on XXXX XXXX XXXX Catasauqua, Pa XXXX. 
# XXXX ) On XXXX XXXX, XXXX PNC BANK NATIONAL ASSOCIATION filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Civil Division Case # XXXX as the Primary Mortgage - first lien position on XXXX XXXX XXXX Catasauqua, Pa XXXX. 
# XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania Case # XXXX obtained an Executable Judgment in the amount of {$54000.00}.. 
# XXXX ) On XXXX XXXX, XXXX PNC BANK N.A . filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Case # XXXX obtained an Executable Judgment in XXXX in the amount of {$43000.00} as the Primary Mortgage on XXXX XXXX XXXX Catasauqua, Pa XXXX # XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the XXXX XXXX Pennsylvania, Civil Division Case # XXXX received XXXX 's Return Writ of Execution on Judgment in the amount of {$54000.00} awarded on On XXXX XXXX, XXXX. 
# XXXX ) On Friday, XXXX XXXX, XXXX the property was sold for the costs of {$2100.00} Sale # XXXX with a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. 
# XXXX ) On XXXX XXXX, XXXX a Sheriff Deed was granted to XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00}. 
# XXXX ) On XXXX XXXX, XXXX A SATISFACTION OF MORTGAGE for Instrument Number - XXXX was filed for ( XXXX Home Loans - Document No. XXXX ) releasing any obligation to Judgment in the amount of {$54000.00} # XXXX ) On XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX No. XXXX at a tax upset sale sold XXXX XXXX XXXX Catasauqua, Pa XXXX to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. 
# XXXX ) On XXXX XXXX, XXXX a TAX CLAIM DEED was issued to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage. 
# XXXX ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX XXXX in the amount of {$49000.00} for PNC Account # XXXX, {$5900.00} above the awarded amount of Judgement Granted on XXXX XXXX, XXXX in the amount of {$43000.00}. 
# XXXX ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX advising me that PNC Bank NA, has decided to not to foreclose on reserves the right to collect the account. ( two years and eight months after awarded a Judgment in XXXX ) and XXXX subsequent sales and title transfers. PNC Bank continues collecting on this account while retaining an Equable Executable Judgment in XXXX in the amount of {$43000.00} issued on XXXX XXXX, XXXX and after a XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX upset sale.