Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am submitting this formal complaint against PNC Bank, N.A. for repeated and ongoing violations of federal consumer protection laws and regulations related to the servicing of my mortgage, which was transferred from XXXX XXXX  XXXX to PNC Bank in XX/XX/XXXX. 

Despite paying my mortgage in full and on time each month, as evidenced by attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements and XXXX checks, PNC has engaged in multiple acts of servicing misconduct, including : -Accepting and depositing all my monthly mortgage payments while reporting me as XXXX  days delinquent since XXXX. 

-Continuing to report me as XXXX months delinquent ( over {$8400.00} past due ) despite accepting my consistent {$2000.00} monthly payments. The only discrepancy should have been a one-time {$130.00} escrow shortage, not recurring delinquency. 

-Reversing legitimate and cleared payments, including those made in XX/XX/XXXX and XX/XX/XXXX, without cause. 

-Failing to notify me that a one-time escrow payment of {$130.00} was converted into a permanent monthly increase, in violation of federal notice requirements. 

-Dishonoring my XX/XX/XXXX, payment due to another unexplained increase of {$82.00}, which was paid the same day I was notified on XX/XX/XXXX which is supported by my payment activity records. 

-Applying improper late fees and submitting false delinquency reports to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX causing severe credit damage. 

Legal Violations and Regulatory Concerns : PNC Banks conduct appears to violate numerous federal statutes and regulations, including : Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. ; Regulation XXXX ( XXXX C.F.R. Part XXXX ) for failure to provide accurate disclosures of payment changes and account information. 

XXXX XXXX XXXX XXXX XXXXt ( XXXX  ) 12 U.S.C. 2601 et seq. ; Regulation XXXX  ( XXXX C.F.R. Part XXXX ) for inadequate response to borrower inquiries and improper handling of payments. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. for inaccurate, misleading, and unauthorized reporting to credit bureaus. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. for deceptive communication and misrepresentation of payment status. 

XXXX XXXX XXXX Reform and Consumer Protection Act 12 U.S.C. 5531, XXXX for engaging in unfair, deceptive, and abusive acts and practices ( XXXX ). 

XXXX XXXX XXXX XXXXt ( XXXX ) 15 U.S.C. 1691 et seq. ; Regulation XXXX  ( XXXX C.F.R. Part XXXX ) for potential discriminatory servicing practices. 

XXXX XXXX ( XXXX ) 15 U.S.C. 6801 et seq. for potential unauthorized disclosures of my financial information. 

Impact of Violations : These actions have caused me severe financial and personal hardship, including : -Damage to my credit reputation and score. 

-Denial of employment opportunities requiring credit-based screening. 

-Difficulty obtaining a vehicle loan and other credit products. 

-Stress, confusion, and uncertainty in managing my mortgage. 

As a consumer, I am entitled to transparent, accurate, and lawful mortgage servicing. PNC Banks continued disregard for federal requirements undermines my financial stability and reflects systemic servicing abuse that may affect other borrowers as well.

Company response to consumer: Closed with explanation