Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

I aquired my home thru survivorship rights when my companion passed away, and he aquired it thru a trust when his mother passed away. I handled all business having to do with the mortgage company til my companion passed away and the mortgage company withdrew my right to be acknowledged at all. I tried several times thru the course of 5yrs to get them to help me or at least to acknowledge me as the sole owner and tell me what to do to no avail. I faxed them the deed and both avidavids of death several times, even filled out numberous hardship packets and enlisted the help of a program called " Keep Your Home California '' who tried to help me twice but were turned away. First by the mortgage company who said I had nothing to do with the loan so how could they help me? And the second time the " substitute trustee '' who wouldn't postpone the sale of my house by a week to give them time to process my paperwork. I faced foreclosure 3 separate times in 5yrs. The first time I got out of it simply because I was constantly calling to try to work things out. The second time tho they sent my payment back saying it wasn't enough to cover my default and again when I sent a money order for 2 payments. Since I was unaware of any default and they wouldn't discuss anything having to do with the account with me, I hired a paralegal to write them a letter. In which he stated that it seemed like there was either a misunderstanding or they were trying to steal my house and he requested they send me a copy of the trust and 6 or 12 statements, which they did along with a letter of condolence for my loss, a promise to update my file with the new information, and an apology for sending my money back. Adding that any inconvience or fee 's aquired due to their mistake would be null and void. However I was now in serious default and less than a year later they foreclosed on me for the third and last time. I panicked and deeded the deed to myself before they did tho to get the deceased people off it and they actually talked to me for the last 2wks or so to tell me I was XXXX.

However, now that they were talking to me and I had a copy of the trust " Keep Your Home California '' was sure they could help me but the " substitute trustee '' wouldn't postpone the sale for a week so they could process my paperwork. They postponed the sale by a day tho so the buyer could get all the money together which also caused there to be nobody there but the buyer, a guy from the bank, and myself ... So who and why was there a " substitute trustee '' in the first place? My companion was the trustee and by the time I aquired the home there was no more trust!!! And they too avoided talking to me except to deny my request for more time and then again months later when I was told that altho I was the only one who applied for and was entitled to the surplus funds they'd spend every last dime if they had to trying to track down the original borrowers next of kin and only then if he didn't want it would I be entitled to it. I called for months crying because I was XXXX  with XXXX small dogs and got treated worse and worse til I asked for somebody above this lady and the funds were deposited with the court, so I had to petition them for it. I totally did not understand this lady 's personal attachment to my house or my money but they illegally sold my house in the original borrowers name even tho she had been deceased for almost 10yrs at that point and they listed her as a single man. I honestly can not figure out how they could possibly have a clear title when I didn't sign or agree to anything and I was the sole owner ... Even the final forclosure papers state that they are not the forclosing beneficiary, but THERE WAS NO FORECLOSING BENEFICIARY!!! And the next of kin did try to have me removed before he found out that I was actually on the deed and he wasn't the new owner. So that approach has been tried and denied. My lawyer simply wrote his lawyer a letter stating he needed to research his facts, and I never heard from either of em again.