Consumer complaint received 2016-02-06
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (GA)

Greetings, My file initially started with XXXX XXXX at XXXX XXXX. Shortly after, my file was pushed along to XXXX XXXX and then I did n't understand the constant shuffling but I went with it and proceeded. Then everything was going smoothly until XXXX told me to reach out to XXXX XXXX around XXXX XXXX, 2015 and my home loan was then moved again. 
When I first spoke with XXXX about my home loan she stated at first I was qualified verbally then minutes later when she included my student loans she stated I was not. I told her I pay nothing on them and I am on income repayment. Which I pay XXXX dollars. She then states well I have to put an amount in by law which is XXXX percent but this is totally not an accurate fact of what I pay, the amount is zero which was stated to her several times. Then she tells me she needs a letter stating the amount and what I will be paying in the future but recertification of my student loans are not until next year. I attached the letter she requested. Also, she keeps making it clear, I 'm starting completely over with PNC Mortgage and I 'm already under contract and pre-qualified. In addition, I have been toss around from one person to the next and as a first time homeowner this is a bit much. I sent her the inspection report not knowing she would go overboard with being involved, which is totally not in her core role to do such. XXXX clearly stated to her that all the issues in the report will be fixed. XXXX proceeded to over involve herself. Please help I just want to be in my home without someone putting a wrench in the process. I beginning to gather that 's she is making it more difficult than it should be and I can only assume why ; which are incompetence, discrimination and poor judgment. I have given her everything she has asked of me and she continues to add chores to the list and continuously fails to communicate these things in black in white. Also, when we initially spoke she stated it would be a 45 day closing and that 's " when '' or " if '' she takes my application. 
The next following weeks XXXX did not reach out or keep me updated within this process I had to call her. XXXX we would speak about my home loan she always use words, like when, if, or I do n't know with getting this loan closed. No assurance what so ever. I then sent out an email to all parties XXXX XXXX realtor, XXXX XXXX ( these emails are available upon request ) to inform them of XXXX antics. In addition, I called XXXX several times about receiving the document to sign for down-payment assistance on XXXX XXXX, 2015 and she kept stating " I am not sure if I can get it '' from underwriting, " I do n't know. '' Then three weeks later she sends the document after business hours. Which was totally ridiculous and that 's after XXXX, and XXXX stayed on her to send it. Also, she told me today she initially did not want my file and she had no knowledge of how to execute a down-payment assistance file. In response I told her that is totally unprofessional of her and that 's not my problem. Today when she informed me of my file being denied, and I also mention I will be homeless by XXXX XXXX she was so inconsiderate and detached from what I was telling her. Again, XXXX either does n't care or she does n't know what she 's doing. Furthermore, today when I spoke with XXXX she blamed other people such as XXXX for her mistakes about the HUD Flipping guidelines and XXXX spoke to her about this weeks ago and they discussed a solution to resolving the HUD flipping guidelines, XXXX refused to follow through on her end not to mention we are pasted the 45-day closing mark of XXXX XXXX, which was told to me and its in black and white. Down payment assistance is the last part of closing this loan and XXXX calls me with this information and I have already put in a notice to apartment to move. Please help