Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank has been unfair, deceptive, and abusive in its financial practices. On XX/XX/XXXX PNC was made aware in writing that I was XXXX with a complicated XXXX. My home was damaged by flooding on XX/XX/XXXX, and I immediately filed a claim with the flood insurance company. I could no longer live at my home because of the damage, I was XXXX seven ( 7 ) months with my first child, and PNC Bank started foreclosure by filing a Notice of Default on XX/XX/XXXX. On XX/XX/XXXX, after receiving my Hardship Assistance Application denial I was admitted to the hospital. In the processing of my Hardship Application, the Bank was deceptive, and I was unable to do anything even though I had a HUD housing counselor helping me. A Notice of Trustees Sale was filed on XX/XX/XXXX, with a foreclosure sale set for XX/XX/XXXX, which was postponed days before the sale. 

After months of advocacy with the flood insurance company, my flood claim was approved in the amount of {$13000.00}. I filed a claim with PNC Loss Claims Department on XX/XX/XXXX, and the Bank received the check of {$13000.00} on XX/XX/XXXX. On XX/XX/XXXX, the Bank released a check to me in the amount of {$3300.00}. On XX/XX/XXXX, the first ( 1 ) property inspection was conducted by XXXX XXXX ( hired by PNC ), and the report stated no repairs had been done at the property. The property inspector is unlicensed, and I contested and continue to challenge the results of the first ( 1 ) inspection ( bad faith, fraud, etc. ). Thereafter, I requested the Bank for months to release the remaining money, but my requests were denied. I even asked the Bank to alternatively release the remaining money directly to the contractor who would perform the repairs on the property but never received a response other than a general letter to contact over the phone. 

In XX/XX/XXXX, PNC Bank knew that I was less than two ( 2 ) months XXXX, in a difficult financial situation, and not able to occupy my house due to the water damage. On XX/XX/XXXX, the Bank issued a Vacant Property Notification which I received on XX/XX/XXXX, alleging that I was not maintaining the property and a response was due by XX/XX/XXXX. I responded to PNCs allegation that I was diligently pursuing an insurance claim and my home was unoccupied due to a Presidentially declared disaster. Had I not responded to PNC by XX/XX/XXXX, the Bank would have entered my home, changed the locks, denied me entry, and recover money from me as long I live by doing a Zombie Foreclosure. I ensured that the property was not wasted, protected from further damage, and kept in good health and order. 

Meanwhile, PNC Bank kept moving the foreclosure date in two ( 2 ) to three ( 3 ) month increments while keeping me on edge. I scheduled a second ( 2 ) inspection for XX/XX/XXXX, and was contacted by XXXX XXXX ( hired by PNC ). The unlicensed property inspector assigned did not follow the law and conducted a shoddy inspection over text messaging. The second ( 2 ) inspection deemed the property XXXX ( XXXX  ) percent complete and received a passing assessment. The second ( 2 ) inspection report lists work still required for completion, including my personal property and repairs outside the scope of the insurance claim. The second ( 2 ) inspection report in bad faith but for no other reason than delaying the claim processing using arbitrarily created additional XXXX ( XXXX ) percent of repairs. 

After pleading for months, in XXXX of XXXX the Bank released an additional {$6600.00}, money I had already spent repairing the property. The foreclosure was done on XX/XX/XXXX, and the Bank still has {$3300.00} in possession. I no longer have ownership or possession of the property, and informed the Bank in writing by fax, mail, and over the online insurance claim management portal of PNC Bank ( insuranceclaimcheck.com ). 

I rented my home to a poor family without rent before foreclosure. On XX/XX/XXXX, the Bank unannounced sent an unlicensed male home inspector to the property who walked inside the home to a female sleeping alone in the bedroom. Shockingly I received a voicemail from PNC Bank on XX/XX/XXXX, asking me about the status of the insurance claim and requesting a callback.

Company response to consumer: Closed with explanation