Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CO)

I had a mortgage modification from XXXX to XXXX on my second mortgage. There was wording on the contract that appeared to say I continue paying the same amount continuously and the loan would just be extended. I had not wanted to use that clause at the time but asked the person in charge of modifying loans about it. She said she thought it was strange also. The following year I had a chapter XXXX bankruptcy and continue to have difficulties paying bills so I continued to pay the bill at the same rate. In XXXX I was called by PNC the lender and told that I owed {$16000.00} dollars. I asked why no one had let me know and they said it was because of my Chapter XXXX. They were not allowed to harass me. I asked why someone did not just call me or inform me of the situation without harassing me. I got behind on my XXXX and they worked out a repayment plan over the XXXX right after the bankruptcy. The payments were on automatic withdrawals from my checking account all this time and had continued. I asked if I could work something out with them and they said I could apply for a hardship modification. Problem is I had a large increase in income in the last year and a half. I had retired and was working a second job. And now I was making more then ever. I was eligible for nothing for my daughter in College not even the tax rebates. So a " hardship modification '' sounded like something that would not apply to me. I went to a lawyer about the issue with the contract. I could not really afford to litigate the problem. I tried refinancing with XXXX XXXX who said at first I needed to reaffirm my mortgage with the bankruptcy court. I paid a lawyer to start that process but hesitated because XXXX XXXX was acting strange and I was n't sure what was up with them. They then said my bankruptcy was not 4 years old so they could not cover me. As it turned out it was 4 years old at that point but that was that. I tried another lender and he ran it through and said the foreclosure was showing up on a security check. Not on my Credit since it was not allowed on my credit due to the Chapter XXXX. However he said no one would let me refinance as long as the foreclosure showed up on the security check. I did tell everyone the situation when I tried to borrow for refinancing. I dropped the lawyers since I had very little money left and they were not any helping me. I went to a development corp place that gives help for free. She told me to apply for a modification. I bought her the paperwork and she said I would likely not qualify for a modification because I made too much money. She said they would only give me 6 months to repay the money and I better start saving as much as I can. I said no way I can save enough or not spend enough to put together that kind of money in 6 months. She also told me to file an intent to cure for the XXXX hearting notice I had. I looked it up and intent to cure meant I had to pay everything in two weeks. So I filed a response and made a court date. In all I really just want PNC to work with me. Had they told me within a year that I was not paying enough I would have had a much better chance of figuring something out with them. My house is worth a fair amount I have owned it for almost 30 years and the neighborhood is popular. I make enough money to pay my mortgage. If I refinance I would owe less then I am paying now. I believe my foreclosure sale is being put off because I have a court date to depute the issue. However I ca n't afford a lawyer to represent me so I will have to represent myself. I 'd rather figure something out.