Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX XXXX - notified PNC I was out of work on XXXX due to XXXX decline. I had not paid bills & was actively correcting the situation would get next check the XXXX and would pay at least half. Said it was fine the account was notated. XX/XX/year> - called to make payment was informed I no longer had that option as of the XXXX Spoke with PNC a couple times during XXXX no options given but pay everything past due or all of the loan. XXXX after someone had reached out to me to ask about house also ask me had I filed for loss mitigation.- had to ask what that was so called PNC got information. XXXX filed for loss mitigation due to medical hardship. XX/XX/XXXX - notification they received my completed loss mitigation would review may take 30 days. XX/XX/XXXX - receive denial call PNC - told denial due to no income ( they didnt ask I didnt send because I wasnt claiming I couldnt pay it was medical ) informed nothing I could do house would sell the XX/XX/XXXX. XX/XX/XXXX - review papers I have. XX/XX/XXXX deadline to return paperwork so I call PNC back different rep this time. XXXX ( I believe ) said my XXXX income is income ( yesterday was informed if not gov XXXX not considered ) as long as I have proof. XX/XX/XXXX date has been removed on his side - I ask 2/3 times he said there is no date it has been removed. Instructs me to resubmit with pay info after 7 days so everything drops out of loss mit and it will be a clean application. XX/XX/XXXX ( fed holiday but still deadline given ) I fax loss mitigation new hardship XX/XX/XXXX- XXXX gives me email address because fax interruptions happen all the time. I fax & email XX/XX/XXXX - ( although I did not know until this week ) PNC sent letter saying information was received outside the accepted timeframe foreclosure going ahead XX/XX/XXXX - XXXX says she can see most of my application but my handwritten letter is missing please resend packet so it all will be together. Application is active XX/XX/XXXX- XXXX says she cant see paystubs please resubmit paperwork. I resubmit again. Application is active XX/XX/XXXX - XXXX says application has not been active since XX/XX/XXXX then changes to XX/XX/XXXX. I ask about being notified she asks me did I not receive XX/XX/XXXX letter. ( Which I did over the weekend not realizing ). Says house has been active on auction since XX/XX/XXXX and it is sold nothing I can do. Wants to put me thru to Foreclosure dept for next steps. Foreclosure dept tells her they have nothing to discuss XXXX XXXX XXXX is my contact from now on. I contact XXXX XXXX XXXX who advises me to contact PNC Foreclosure Dept. XX/XX/XXXX - received reply just to me concerning attorney generals office complaint mentions XX/XX/XXXX submission being to close to sale date doesnt acknowledge XXXX XXXX submission. XXXX - XXXX - I dont even know that she existed. I think it was just a name put on every paper. Never spoke to her not once & did not have a voicemail it went straight to other representatives. Never the same one. filed complaint with attorney generals office Filed to have sale set aside with clerks office Sent written notice of error to PNC Without help I will leave my house Ive been in over XXXX yrs due to health decline even though I made arrangements so Id have a way to pay my bills but PNC refuses to work with me. Ill lose over $ XXXX equity even after the surplus that I have worked hard to maintain.

Company response to consumer: Closed with explanation