Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am requesting that you ( XXXX XXXX @ PNC ) send me something in writing showing where PNC tells the homeowners at the time of making the arrangement for Partial Claim that they could potentially lose their homes in the process due to impediments, lien, lis pendens, or anything of this nature. I don't recall anyone mentioning this to me over the phone when I made the arrangement at the beginning or the end of the arrangement and I don't recall seeing it in writing. Maybe if I had known this at the time, I would have figured something out while going through difficulties during the pandemic. As I stated before, it seems to me that PNC wants the customer to lose their home. Nothing was ever indicated that I could possibly lose my home if I opted to take the moratorium during the initiation of the partial claim process of this loan. PNC made it seem as though I would be able to get back on track once the moratorium ended. It was never indicated or mentioned that foreclosure was an option. A letter was even mailed out stating that I had been approved for the partial claim and then it was retracted. Now you've sent a demand letter dated XX/XX/XXXX the same day I called to make an inquiry and threatening demand and foreclosure of my home loan. However, on this same day at the time, I made the call I was told the home was not in foreclosure and that it was still in review two days later I received the demand letter. This is not the first time I have had issues with PNC keeping with their arrangements and/or agreements. I had to report them several years back regarding another issue during Hurricane Harvey. 

This is also not the first email sent to you ( XXXX XXXX at PNC ). You never responded to the previous email sent out and have taken only one of my calls in which I found flippant and not taking my situation seriously. This is my home. I have been here for going on 19 years and to have someone make light of my situation is appalling. My other attempts to reach you are always redirected to someone else. The one agent XXXX saw the email and sent me to someone in your Loss Mitigation department named XXXX who claimed she didn't see anything there. I have since gone to a PNC location and faxed the first email to you with the email address that is given for you in the email. So, this is proof that PNC did receive the first email. But if you don't receive this one, I have sent it to other entities that may be able to assist me. 

And furthermore, for reference, the HOA also filed the XXXX XXXX during the pandemic. This should attest to something. Everyone knows that people were having difficulty during this time. Why would this XXXX XXXX even be considered especially since it has been determined that there are no liens associated with the property and that there are egregious claims that my attorney has substantiated in her letter along with other documents? 

In the meantime, I have resumed making regular mortgage payments on the loan.

Company response to consumer: Closed with explanation