Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was served by Pnc in XXXX of XXXX. They could find me to serve me but not inform me of no refinance or assumed loan per my divorce agreement 12 years before. He had modified the loan and got on a forbearance, Pnc did not need my signature nor needed to inform me because of the divorce agreement and quit claim deed. They only needed him. 
I had sent my divorce agreement and quit claim deed to the summons site in the papers I was served. 
Nothing happened. 
I called a lawyer for a consultation, explained divorce agreement and quit claim deed etc. XXXX took my case. Ive been fighting a court battle in divorce court and PNc in foreclosure defense for over 3 years. As of XX/XX/XXXX I finally had XXXX XXXX my ex-husband leave the property. After I finally obtained a court order on XX/XX/XXXX that he had to cooperate with the deed in lieu of foreclosure and vacate immediately. He claimed to be in the hospital at times, his lawyer wouldnt show up for zoom court dates. Both claimed they didnt have cameras, it goes on and on. His lawyer claimed his XXXX to be XXXX  and XXXX  XXXX, claimed to file for bankruptcy, claimed remediation of the loan. Stall after stall. Plain and simple, he didnt cooperate with the original divorce agreement. Pnc allowed him due to a previous bankruptcy to stay in the home, not pay, incur debt. He had protection, I did not. So. Pnc was coming for me. First application for the deed in lieu of foreclosure he ignored until there was going to be detention and a body attachment on XX/XX/XXXX. But due to the court and XXXX XXXX, Pnc said the papers were not returned in a timely manner. I called and asked what I could do. I could reapply. XX/XX/XXXX I finally received the order to cooperate and vacate. My lawyer believed opposing counsel was not communicating with XXXX, so he didnt know anything about the order. The laws didnt apply to me, and I could communicate with him. So, I called him on XX/XX/XXXX no answer. So, I text him the order and the information, on the deed in lieu, and could he check his mail and sign the documents. The documents from Pnc were not there. They emailed them to me. Called the next day no paperwork. So, to show cooperation for the court date I asked if I could bring the paperwork to his home, since he was recovering from a XXXX, for him to sign. I went to XXXX police department showed the order, my drivers license and the paperwork I needed him to sign. They sent an officer with me. On XX/XX/XXXX I had the paperwork signed. Went and faxed it to my attorney and to Pnc. The deed was already signed and motorized XX/XX/XXXX. I had my lawyer fax the deed as well. 
I then reread the deed in leui of paperwork. He had to be out by XX/XX/XXXX. 
Even though I had a court order to vacate immediately. The judge allowed him to XX/XX/XXXX midnight. XX/XX/XXXX he sent a picture of the key and garage door opener. I went over there XX/XX/XXXX XXXX am the house was not in broom swept condition, pretty much a disaster. Monday the XXXX of XX/XX/XXXX he sent me texts his gas, water, and electricity would be shut off. I went by XX/XX/XXXX to make sure he hadnt returned, it looked as though he hadnt. XXXX with XXXX XXXX XXXX  and Pnc XXXX. I called Pnc and informed them he was out. Still finishing up the paperwork. 
This is just ridiculous I should get my lawyer fees back. I have paid an enormous amount of money, fighting Pnc and XXXX XXXX because they never informed me I was still on the mortgage 12 years after my divorce. They allowed him to do this not me.

Company response to consumer: Closed with explanation