Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I have been in my home since XX/XX/XXXX and i have always went to the bank in person which at the time was XXXX Bank i have all my payment receipts to show, Then in XXXX it closed/merged into First National Bank of Pennsylvania i also kept paying in person and have my payment receipts to prove it. My problem started in XXXX FNB had mailed back XXXX of my payments to me via XXXX and this is after i had spoken to XXXX XXXX and we made a verbal agreement that i pay {$330.00} a month, I was put into the save your home program during the duration of XXXX in which the bank never even appeared in court at all. Starting in XXXX i found an attorney by the name of XXXX XXXX and following his lead i filed XXXX which was the biggest mistake ever, and i started making payments of {$510.00} a month right away then in XXXX of XXXX i got a phone call from XXXX saying i should come to his office and sign a document and he also told me " if i do not sign the document then the sheriffs will be at my house before i get home '' so i signed that document which i was not allowed to even read i now know the document is a loan modification that is full of junk fees, hidden fees and garbage i would've never signed it had i read it. I started to wonder what exactly am i paying so my son and i looked up my credit reports and seen that the bank had the wrong mortgage account on my credit report since XXXX and they had been misapplying my money for a long time as well before, during, and after the XXXX i tried to explain this to XXXX but he was very snippy towards me. Starting in XXXX of XXXX under XXXX 's leadership he tells me that i should sell my home and " Put proceeds in my Pocket and pay the Bank at the same time '' i did not know at the time that i can't even rent anything let alone get a new mortgage, so i put my home on the market and wasted 3 months of time because i could not sell my home i do not know why but XXXX terminated the sale and FNB continued their predatory practice charging me late fees and reporting inaccuracies mind you this is after i paid them {$14000.00} they also misapplied that money and XXXX the attorney the genius left me high and dry. FNB has me back at square one trying to foreclose on me due to their errors and mistakes and in the times i was at court i could've contested what they were doing to me and i believe the bank knew this and that's why they never went to court so now i'm back at square one the bank is trying to foreclose wrongfully i might add again and i'm back in the save your home program this bank has been beyond predatory and has destroyed my credit and life and even my housing XXXX noticed the banks wrong mortgage account, The bank has only fought for their interest and has ignored mine the hole time and i just want my voice and situation known and even if i can not get what i want which is actual and punitive damages i want the CFPB to at least punish this bank for its abusive and deceitful practices this bank is extremely lucky i can not afford the correct legal counsel for myself. I also would to add i sent a QWR in XX/XX/XXXX and i just received yesterday XX/XX/XXXX a letter from XXXX saying they need more days to get information which i find funny because this bank would not extend anything for me and the bank got me out of the save your home program so they can foreclose/short sale me and i find that to be outright insulting also the bank on top of the {$29000.00} they claim i owe i'm also responsible for paying the banks legal fees which is {$10000.00} which i find to be ridiculous i owe FNB nothing they owe me. This bank has violated me in multiple ways from RESPA FCRA, FDCPA and XXXX. I wish i would've known all of this sooner because the bank took everything from me my money destroyed my credit and life, the house is not even worth {$30000.00} and i have 200+ payments receipts to prove i do not owe that bank anything and i paid a extra {$14000.00} hopefully my situation can help others in bring about new regulations to fight banks because i find it wrong that courts just side with them. I just want my life back and to expose this bank for what it has done to me my voice heard at least. You'll notice that my mortgage account is XXXX which is also on my payment receipts. The bank is reporting XXXX what in the XXXX is that. You will see I have been going through 7 years of pure XXXX due to the banks willful negligence and errors. I would like to add that even in XXXX the bank was reporting the wrong mortgage account i just wish i had the right legal help.