Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Company : PNC Bank, N.A. 
Product : Mortgage Issue Type : Loan modification / hardship assistance / foreclosure concerns Complaint Description I am submitting this complaint regarding PNC Banks mishandling of my mortgage hardship ( loss mitigation ) applications in XXXX, including contradictory information, lack of transparency, procedural failures, repeated delays, and financial harm caused by reliance on inaccurate guidance. 

Background and Timeline I was laid off in XX/XX/XXXX. Since then, I have worked as a XXXX XXXX to make ends meet while attempting to start my own business, which has not yet generated profit. 
In XX/XX/XXXX, I submitted my first mortgage hardship application to PNC and was approved for a 90-day reprieve. I was explicitly informed by PNC representatives that the deferred payments would be added to the end of my mortgage term. 
In XX/XX/XXXX, I was unexpectedly informed that I needed to pay approximately {$8900.00} by XX/XX/XXXX, or foreclosure proceedings would begin. This directly contradicted what I had been told regarding the hardship approval. 
Fearing foreclosure, I withdrew funds from my XXXX  to make this payment. I would not have taken this action had the original hardship terms been honored or accurately explained. 

Because of this experience and the misinformation I received, I was afraid to reapply for hardship assistance. Unfortunately, my financial condition did not improve. I later withdrew additional funds from my XXXX  to cover my XX/XX/XXXX and XX/XX/XXXX mortgage payments in order to avoid default. 

Second Hardship Application and Procedural Issues I reapplied for mortgage hardship assistance on XX/XX/XXXX. 
I submitted more than 75 pages of documentation addressing all requested items. 
I was repeatedly told by PNC that information was missing or incorrect, but representatives failed to clearly identify what specific documents or corrections were required despite multiple requests for clarification. 
I was later informed that my application was denied due to alleged technical issues, such as unsigned or mislabeled profit and loss statements. These documents were properly labeled and submitted in good faith. 
The lack of clear guidance and shifting explanations prevented me from correcting any alleged deficiencies. 

On XX/XX/XXXX, I was notified that I would need to reapply for hardship assistance again, effectively forcing me to start the process over from the beginning. This occurred after months of document submission, repeated follow-ups, and reliance on PNCs instructions. Restarting the process places me at further financial risk, causes additional delay, and disregards the extensive documentation already provided. 

My application was denied, and I remain financially depleted and at continued risk of foreclosure. 

Concerns PNCs actions reflect serious mortgage servicing and loss mitigation failures, including : Providing contradictory and misleading information about hardship terms Failure to provide clear and timely notice of documentation deficiencies Repeated procedural delays and technical issues outside the borrowers control Requiring unnecessary reapplication after extensive documentation was already submitted Financial harm caused by reliance on inaccurate servicing guidance I did not choose PNC as my mortgage servicer and can not change servicers without refinancing. I have exhausted my savings and withdrawn retirement funds solely to avoid foreclosure while attempting to comply with PNCs requirements.

Company response to consumer: Closed with explanation