Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Several years ago I became XXXX. Permanently. I live on my XXXX. I suffered with financial hardships as a result of this. I was paying a high interest rate on my mortgage and did fall behind on paying on time. I started the process of loan modification. I filed the papers exactly as required, I sent every single document labeled with the loan number, every bank statement, bill statement. I was rejected and did the whole thing over and over, I had no choice but to hire an attorney because rather than work with me the PNC mortgage company began foreclosure process on my home because they would no longer accept my payments. Keep in mind I NEVER wanted to lose my home and always wanted to pay my bills. I was forced to hire an attorney of which I could not afford and with that I gave him all my documents that I previously sent to PNC Mortgage along with updated statements and of course the Modification was approved. The attorney gave me my new coupon book and I thought all was fine. The attorney received the notice my modification was officially approved and the attorney then sent notification to the Mortgage company releasing himself from my case. Well, it has been at least a yr and half and I never received a single document from the mortgage company. The attorney that did work my case is no longer practicing in this area of law and in addition he is n't at the firm. I came home and had a note taped to my door stating I needed to contact PNC Mortgage as they are attempting to collect a debt. I called and they refused to speak with me. " BY LAW my attorney needed to call. '' This has happened several times. The lawyer calls and nothing happens. I informed them there has n't been an attorney for over a year. Needless to say I have been fighting this battle for over a year and they refuse to hear me. I did locate the attorney at one point and he called and forwarded the release. I sent a notice, at their suggestion stating I didnt have attorney representation. Every single document I send or the attorney sent, PNC claims they never received. Even though I have receipt saying I sent they still will not talk to me and say " they are not going to argue with me about this ''. I can not continue to take this harrasment, I have no idea what my mortgage payment is as they refuse to tell me. I have discovered that XXXX of my payments were sent back to me at some address other than mine, I believe an attorney firm. So I am sending approx. {$75.00}, a month more with my payment hoping it is covering what my actual payment is. This is an absolute horrible way to deal with someone especially someone with XXXX, I have begged, cried, and yelled for someone to help me and they say the same thing over and over. " They need to hear from my legal counsel '' " They are not going to argue with me '' " MY Choice is talk to the attorney even if there is n't one. " I do n't know what status my mortgage is in right now. I have no idea what the " debt to collect is '' or if I am losing my home. What I do know is as soon as my XXXX comes PNC gets my mortgage payment every single month. From that point no one will help me.

Company response to consumer: Closed with explanation