Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I paid PNC {$10000.00} in XX/XX/XXXX with their agreement that only XXXX would remain due. I've since paid XXXX and XXXX, yet my XX/XX/XXXX statement shows {$4300.00} due, including a {$2000.00} " Attorney Expense Disbursement '' from XX/XX/XXXX and a " Misapplication Reversal '' from XX/XX/XXXX. These charges relate to a commissioner fee that was canceled. I previously filed a CFPB/RESPA complaint about similar issues. PNC appeared to fix everything while under CFPB review, but once my case was closed, they began adding these charges back. I've requested payment history back to XXXX multiple times with no response since making the {$10000.00} payment. This appears to be a pattern of temporary compliance followed by reversion to improper billing practices once regulatory oversight ends. My account number is XXXX XX/XX/XXXX statement presents clear evidence of PNC 's pattern of deceptive billing practices. Just XXXX day before issuing this statement, on XX/XX/XXXX, PNC added a {$2000.00} " Attorney Expense Disbursement '' to my account- despite my recent $ XXXX payment and our agreement that only XXXX would remain due after this payment. 

This is not coincidental timing. The statement shows my regular monthly payment of {$680.00} was processed on XX/XX/XXXX, and immediately afterward, they produced this statement showing a dramatically increased balance of {$4300.00}. The sequence of events across my statements reveals a troubling pattern : XXXX. I make a substantial payment XXXX. PNC briefly reduces my balance XXXX. PNC then adds significant new charges ( particularly attorney fees ) XXXX. My balance inexplicably increases despite continued payments Most concerning is the " Misapplication Reversal '' on XX/XX/XXXX, suggesting they deliberately changed how my funds were applied. This pattern of adding charges after payments strongly indicates an attempt to prevent me from ever catching up, regardless of payment size. 

The timing and nature of these charges, particularly the large attorney expense added just before statement generation, demonstrates deliberate manipulation of my account and appears designed to extract maximum fees despite my good faith efforts to resolve this matter. 

I need to emphasize that these practices are causing significant hardship for my family. My husband and I are raising XXXX children - our own XXXX children plus my late brother 's XXXX children whom we gained custody of after his untimely death during XXXX in XXXX. We have been trying in good faith to meet our financial obligations while providing stability for these children who have already experienced significant loss. 

PNC 's continuous addition of unexplained fees and charges, despite our substantial payment efforts, is creating unnecessary stress for a family already managing significant responsibilities. We simply want our payments to be properly applied and for PNC to honor the agreements we've made regarding our account.

Company response to consumer: Closed with explanation