Consumer complaint received 2015-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (MI)

I first contacted PNC to get a mortgage and my account was assigned to XXXX XXXX. On XXXX/XXXX/15, he issued a pre-qual for an amount much larger than my loan amount, but he did not issue a pre-approval. I told XXXX that I needed a pre-approval. On XX/XX/XXXX, I submitted an offer on the home owned by PNC. Two days later, PNC sent a counter offer and I countered their counter. PNC did not respond for several weeks ; at least XXXX other competing offer was received. On XX/XX/XXXX, I went to a branch re my concerns that I had not got a response to my offer and that I still had not got the pre-approval from XXXX. I fear that PNC was discriminating against me because I am a single woman. I told my concerns to the branch manager ( XXXX XXXX ). XXXX attempted to call both XXXX and XXXX 's manager, but was unable to reach them. On XX/XX/XXXX, my realtor told me that PNC had accepted my offer on the house. I provided my realtor with a pre-approval letter from XXXX for the purchase agreement. XXXX then lied to me about to the status of my pre-approval. I spoke with XXXX and asked that my account be transferred to a new loan officer. My account was transferred to XXXX XXXX. On XX/XX/XXXX, XXXX issued my letter. Also on XX/XX/XXXX, I learned that as the buyer, I would have to assume the city certs, despite the fact that this is traditionally the seller 's job. While buyers sometimes do assume the city certs, this is typically disclosed in the listing. There was no such disclosure in this case ( only after my offer was accepted ). On XX/XX/XXXX, I was told that my file was clear to close and that we could close was XX/XX/XXXX ; I selected that date. On XX/XX/XXXX, I called my underwriter at PNC, XXXX XXXX, and he told me that loan officer XXXX, left PNC. My account was assigned to XXXX XXXX. On XX/XX/XXXX, at XXXX, XXXX sent me the closing disclosures. My mother and I reviewed the docs and noted many errors. On XX/XX/XXXX at XXXX, I emailed XXXX, XXXX and XXXX XXXX and notified them of the errors. I notified PNC that my mom, would contact them to discuss the errors and that they had my OK to speak with her in regards to my loan. At XXXX, my mother emailed XXXX a list of the errors. We asked that the docs be changed and that the details of the calcs be provided. At XX/XX/XXXX XXXX acknowledged receipt of this email. At XXXX, I contacted XXXX to determine if he had a chance to review my figures and to inquire if this would impact the closing of my loan. At XXXX, he indicated that PNC had made the changes and that this would not impact my closing date ( XX/XX/XXXX at XX/XX/XXXX ). At XX/XX/XXXX on XX/XX/XXXX, I still did not have the figures, so I emailed XXXX again. I reminded him that I wanted to review the figures and that I would also need to obtain a check for the closing costs. At XX/XX/XXXX, XXXX said that he would have the figures the next day. At XX/XX/XXXX on XX/XX/XXXX, I called XXXX and left him a voicemail re the figures. At XXXX, I spoke with XXXX on the phone re my concerns about the funds for close and faulty escrow calculations. At that time, he did not have figures. I also told him my concerns with re having the figures 3 days prior to close in accordance with Dodd Frank. XXXX then told me that the figures included on the disclosure stmt did not need to be accurate but merely needed to be present and that these errors would have no impact on my close date in accordance with Dodd Frank. He also suggested that I bring excess funds to the close and get a refund later. I told him no. At XXXX on XX/XX/XXXX, he called me and asked if we could postpone my close from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I said I needed the corrected figures, a closing amount, and a breakdown of how the escrow amounts were calculated before closing. He promised that he would " dumb it down so that I could understand '' when presenting the figures.