Consumer complaint received 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have continually complained about the theft of my home by the mortgage company with little to no success, and they're counting on my ignorance and lack of money to keep me from succeeding! 
See I aquired my home thru survivorship rights after my companion passed away and he aquired it thru a trust. However, by the time it had gotten to me it was no longer in that trust. 
Immediately the mortgage company quit talking to me about everything except to say I needed to either become the administrator or the executor. They would not talk to me at all about the loan, how much I owed, or even whether or not they were getting my faxes proving ownership and affidavids of death. 
For 5yrs they accepted my monthly personal checks while doing their best to foreclose. I faced 3 foreclosure attempts and even had the government program " Keep Your Home California '' try to help me on two separate occasions, but we're denied both times because I wasn't the original borrower. 
They finally resorted to returning my mortgage payment saying it wasn't enough to cover my default ( which I was not in ) and had their substitute trustees foreclose on me even though neither of them had ever even talked to me and the many hardship packets they had me fill out went unapproved for no reason. 
I finally got their attention when I complained to this website and they agreed to pay me {$25000.00} to withdraw that complaint. However they did not keep their end of the agreement, and I never withdrew the complaint. 
Now I want to know what they plan to do about replacing my home! The {$25000.00} was just to make up for what they assumed I had paid in mortgage payments since I had aquired the home, and to help me since I had been homeless for several months, but what about the loss of my home, my stability, and my life??? And what about the fact that they have never even once proved they owed that loan or that it hadn't been paid off when the original borrower died??? 
They willfully and purposefully put me thru XXXX on a daily basis!!! I never really got the chance to morn my companion but instead spent every waking hour trying to figure out how to keep my home knowing they were just waiting for any excuse to take it ... They have crushed my very existence as if I had never even mattered and all for what? Money??? 
My home was worth {$160000.00} and I only owed approximately {$32000.00}. I paid my mortgage monthly doing the best that I could to be on time. They even sent my late fee 's back regularly saying I had overpaid, so I don't understand what the XXXX happened or why they were so against treating me with the respect they should have!!! 
And now they're trying to brush this whole incident asside saying we came to an agreement and they paid me off??? Seriously??? I will forever be without my home and thanks to the abuse I've endured I have been unable to get a job for the last 4-5 years,  and I have been denied social security several times now. 
They should not be allowed to continue to business this way or to treat their customers so badly!!!

Company response to consumer: Closed with explanation