Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am writing in regards to how unfair and poorly my case has been handled with PNC Mortgage Company. I 've been going back and forth with this company to come up with a solution and be able to keep my home. I have done everything on my end to provide them with documents, letters of explanation, and income disclosures so we can come to an agreement. Every time I sent the required documents they came back with another road block. I have records of all the letters from my end and their responses. They seemed to be helpful at times, but only to hold time until they have a new obstacle to present. The reason I fell behind is because I got laid off from XXXX XXXX and I had been working there since XXXX of XXXX. To top it off I also lost my XXXX investment properties. I attended a XXXX convention to get help and try to keep my home. XXXX helped by creating a budget for me to follow and the only debt that I currently now have is to PNC. PNC Mortgage has stated various excuses as to why I do n't qualify for a modification. XXXX of them being that I was not living in this property and it was n't my primary residence. All the times I have applied they 've denied me for ridiculous reasons. Some reasons have been due to high income, then low income, and then because they had switched investors when they really had n't. They also stated they close my review because the investor did n't give them an answer in a timely manner. I was livid because that was not under my control. Even with all these excuses and I continued to provide financial statements, letters of explanations, and persistently calling to get updates. Even with all my efforts they continued to give me the runaround and kept putting my home in auction sale dates. They persistently kept stating that my only option was to sign short sale documents or deed in lieu saying that if I signed they would cancel the sale date. Instead I decided to challenge them. They finally stopped the sale date and requested that I re summit again. This time I got denied stating I was deficit, and they could not verify that it was my primary residence. The most recent denial was due to not reaffirming Chapter XXXX Bankruptcy. I hired an attorney to file Chapter XXXX and payed PNC monthly payments. After they were happily receiving my payments they came back stating that I was unemployed during the time I summited the application. At that time I had already started working with XXXX XXXX company once again as of XXXX of XXXX. PNC wrongfully chose to used my unemployment income instead of my active income. I have all proof of all documents that were sent over and the list of names of all the customer representatives I 've talked to. Not only are they lying, but also giving me a hard time every time I call. Their tone towards me and the rudeness is completely un-call for since I want nothing but to work with them. Please, I need your help I understand you do n't help people with the modification process but if you can investigate their malpractices. I do n't know if I am the only XXXX having issues with this company, but I believe I deserve a fair evaluation. Their business practices are sketchy and in my case making it impossible and denying me for ridiculous reasons. I will provide all proof of documents. The only thing I want is to continue to live in my home and continue to provide for my family. We were going through a difficult time and I believe I deserve a fair evaluation. I thank you in advance for all your help.

Company response to consumer: Closed with explanation