PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Other mortgage Application, originator, mortgage broker Florida

My name is - - myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/-/- ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of $5000.00. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a - to qualify now my score was fine with the initial contract for FHA. all i needed was a - score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute - collections that i had. I did everything


is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from - because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/-/- -- an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us $5000.00 more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR $10000.00 DOLLARS. I told them NO just send back my $5000.00 I am not going to pay them $10000.00 NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my $5000.00 These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please