Consumer complaint received 2022-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

In XXXX of 2022 I applied for a COVID forbearance after losing my job from XXXX. Youll see in my previous complaint that I has major issues obtaining the forbearance with the bank/mortgage company, but fortunately filing the complaint got them to fix the problem and approve the forbearance effective XX/XX/2022. I had taken a forbearance at the beginning of covid for a few months due to company closure, and at the end of that the payments were deferred to the end of my loan. When I finally got this additional forbearance setup, I asked if the same option was available, and was assured it was. 

Fast forward a couple of months and PNC Bank purchases my mortgage from XXXX XXXX XXXX The end of XX/XX/2022 I finally got a job offer. I spoke to PNC Bank when I started in Early XXXX. I stated I would be able to begin repayment effective XX/XX/XXXX, but that if XXXX was the last month I could have the forbearance I would make XX/XX/XXXX work to restart payments, I would just be a little behind. The representative on the phone told me there was nothing they would do until I had the bad to make a payment, and to talk to them then. In late XXXX they called me, and I said the exact same thing, only this time I was told it was no problem, and that I could resume payments XX/XX/2022. It was my understanding that the payments would be deferred the same manner as the initial forbearance. Maybe I misunderstood, but knowing thats what happened the first time and thats what was told to me when I had to restart the forbearance, that made sense. 

My new job involves quite a bit of travel. I am a XXXX XXXX for XXXXXXXX XXXX XXXX, and have been sent to Nebraska, XXXX XXXX, and some other locations. After being away for a few weeks I arrived back home to a foreclosure notice from PNC dated XX/XX/2022. 23 days before my forbearance was over. It states that if I didnt pay the entire forbearance amount of {$20000.00} by XX/XX/2022, they would foreclose. Mind you, I had already resumed & paid my XXXX mortgage payment as promised before seeing this notice. 

I finally spoke to PNC Bank this past week, where they blamed me for not answering their calls while on XXXX XXXX XXXX  ( where Id be fired if I did ), but there was not a single voicemail left to even notify me they called or to call back. Now knowing their phone number, there were even a few times where I DID answer, and said hello Multiple times, and no one was ever there ( I guess thats my fault too ). 

During the call this past week they informed me that documents were sent in XXXX that need to be notarized and returned, and since I didnt within 10 days, they began foreclosureBEFORE THE FORBEARANCE WAS OVER. I did not need to complete documents after the first portion of the forbearance, much less by mail and requiring a notary, while the rest of the world is trying to save paper, so I definitely did not understand that mailing those documents to me would immediately cancel my forbearance protection. 

I am now told that by not returning them its no longer considered a COVID forbearance, and that I will have to officially apply to see if theyll stop foreclosure proceedings. I have a Really hard time believing thats legal. Or that sending a foreclosure notice while Still In Forbearance is legal. 

I am really hoping someone can assist me is getting the forbearance amount either deferred as it was the first time, or whatever method is necessary ( they also told me they didnt believe me about the deferment or the mortgage holder at the time telling me that was an option again, because the PNC rep would never say that. I would also like to know if its legal for them to send foreclosure notice 23 days before the forbearance was over, and demanding full payment on the first day the forbearance ends, because everything I have read on the HUD and other government sites states otherwise. 

It shouldnt be this difficult, stressful or otherwise, do follow a presidential forbearance procedure, and then responsibly resume my mortgage payments the moment I am able.