Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC, XXXX XXXX said I defaulted in XX/XX/XXXX. In XX/XX/XXXX I was told I could only send payment and speak with XXXXXXXX XXXX XXXXXXXX. I tried to make payment and request information but XXXXXXXX XXXX XXXXXXXX said they had no file. XXXXXXXX XXXX XXXXXXXX did not file to be substitute trustee until XXXX was filed in XX/XX/XXXX. Foreclosure was put on hold during mediation in XX/XX/XXXX when it was brought to light I never received the assumption package. Fees and interest continued to accrue. I was in foreclosure, assumption and modification department at same time. I continually received notices that my XXXX  had changed. I received numerous escrow analysis increasing my payments due to attorney and escrow advances despite overages. I made payments that were put into suspense. Payment summaries were filled with adjustments and corrections. Despite being on the deed, the XXXX and XXXX  of the Estate of XXXX XXXX and providing PNC with the proper documentation they would not recognize me as XXXX  until the Chief Deputy of the XXXX XXXX XXXX, XXXX XXXX intervened in XX/XX/XXXX. Despite PNC now recognizing me as XXXX they continue to withhold documents and refuse to answer questions. It was discovered loans had been satisfied and PNC continued to collect payments. They refuse to acknowledge, much less correct mistakes or reimburse funds. They knowingly, willingly and intentionally withhold information. I reinstated the loan instead of accepting their modification offer that added XXXX to the existing loan as well as increasing the payment. I wired money per XXXX XXXX XXXX insteuctions on XX/XX/XXXX to reinstate the loan to XXXX XXXX. XXXXXXXX XXXX XXXXXXXX refused to provide the address that their form asked for. Despite the form being date and time stamped, and confirmation from XXXX at XXXX XXXX XXXX via a phone call, XXXXXXXX XXXX XXXXXXXX claimed they did not receive the money until after XX/XX/XXXX. PNC stated it could not upload the payment until system maintenance was performed around XX/XX/XXXX. While attempting to make XXXX payment through customer service I was sent to loss mitigation. This has been dragged out for almost XXXX yrs. I can not afford an attorney nor am I educated in this field. They have been disciplined in the past for the exact same practices. I have not scratched the surface with examples of violations and unethical business practices. I've experienced this on a regular basis since XXXX. I received XXXX separate OTD with XXXX different dates to bring current. There are XXXX refinanced loans in question, each costing @ {$8000.00}. to close. The XXXX loan was done XXXX  days after the XXXX. Therefore 'NO ' was marked by closing agent when asked " did it result in debt ''. When XXXX XXXX XXXX, XXXX Delaware XXXX was sold the proceeds were taken for a loan that had already been satisfied. Despite XXXX XXXX being incompetent and i being her POA at the time, PNC and XXXX made themselves her POA until her death instead of XXXX  days. The note for XXXX XXXX XXXX XXXX MD XXXX has signatures that don't match the typed name, notorized papers with sections crossed out, a date of XX/XX/XXXX referencing the loan that originated XX/XX/XXXX. The list goes on. The XXXX tape and complicated process for justice makes it inevitable that homeowners get screwed over by lenders who have the resources, attorneys and time to get away with these appalling injustices. Doing everything online and unable to speak or meet in person with agency 's that are suppose to help makes it harder Questions in this form can not be answered with the options available. This is overwhelming and not right!

Company response to consumer: Closed with explanation