PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

This additional Complaint is in addition to complaints # -, Complaint # - & Complaint # -. HUD-RESPA & PNC/- - have know the facts since -. - has replied to and to me they are unable to investigate the loan until the CFPB provides documentation that - - who is now owned by - did purchase PNC. I have provided documents that the CFPB can provide to - to investigate these complaints and answer the - Qualified Written Requests and make the necessary financial adjustments. - loan applications were completed by PNC for this loan. The first loan application ( attached ) proposes $350.00 for a monthly tax amount ( - $350.00 = $4200.00 ). The " : ApprovalFirst Process Certificates ( - ) ( attached ) indicates the first loan application was completed - -, - by PNC Mortgage A deposition by PNC ( attached ). also stated approximately $4000.00 annual for taxes. This was an underestimate of approximately $3000.00 each year of the 30 year note ( $3000.00 x - = $90000.00 ) RESPA does not indicate a builders estimate as an acceptable


) was completed & together with the information provided by PNC/-. - ( attached ) we made the decision to build the home as it fit within our budget.The Construction Contract to build the home occurred - - -. Three times before signing the contract, information was misrepresented to us.If we had know the correct amount we could have reduced the size of the house and other features which would have reduced our taxes for 30 years.Three appraisals were ordered by PNC which is used, also could have provided a comparison for anticipated taxes as is stated in RESPA. The errors by PNC and - deflecting the actual causes of their errors and providing False Information to a Federal Regulatory Agency for their errors for THREE YEARS and to the borrowers led to extensive anxiety and stress with enormous legal bills. PNC never accepted the PNC as stated in RESPA. ( attached ) Our rebuttal to - - is attached as is their letter addressing our " concerns '' but never providing substantive answers to the questions asked of them for the - QWR 's sent to PNC. Further to our statements in our rebuttal, paragraph -, we were being required to pay $19000.00 for the errors made by PNC into escrow. - $630.00 Escrow year + - x $980.00 = - for shortage.Total of $19000.00 We have shown in our previous complaints the computer generated mathematical errors in our loan. Do other loans serviced by PNC/- - have similar systematic problems? We were being required to pay into the escrow account apparently an excessive amount. We had, at payoff, requested and again request a forensic accounting by PNC/- - for this loan. The financial disbursement at payoff was not correct.