PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure North Carolina

- - I moved out of state for an employment offer that would allow me to be close to help with my mother who is dealing with - .I have been working with PNC Mortgage since - - for a resolution concerning my mortgage. I tried to sell the house as for sale by owner '' on the MLS since -. Listed with - as a short sale in - -, PNC denied the short sale deal. I then worked on attempting to have them approve a Deed in Lieu for my property. I have submitted - hardship packages to PNC Mortgage, - of them to obtain a Deed In Lieu. Each time they have found a reason to deny it. My latest attempt was in - - I was told that I was in-line for a


I was told by - that they had received my package -, no additional documents were needed and could take 30 days to review. On -/-/- I received a phone call and follow up email outlining my conversation - - -, - - - - - with PNC Mortgage. She advised that she would have to close my file until my son who occupied the property had moved out and then I was to email her and she would reopen the file and finish with the DIL ''. she also stated once your son has moved I will then order the final inspection to be done at that time ''. I tried to email - - on -/-/- but received a message back from the postmaster at PNC that my email could not be sent. -/-/- I talked to - and he stated my file was active in DIL review, we discussed emails I attempted to send to - - and was told she had left the company, that they had closed their - location and all loss mitigation was now handled through their - office. I was told I needed to clear liens on the property for the DIL and started working on that. -/-/- - called me to tell me file was closed due to the liens on the property and for me to fax the PNC Bank charge off letter along with my homeowner 's association dues - paid statement and then ask for the file to be reopened for a streamlined '' DIL. I faxed this information on -/-/- and requested file to be reopened. -/-/- I called talked to - and he verified that they had received the documents on -/-/- and the file was active in loss mitigation and was sending to a rep to process/review for the streamlined DIL. -/-/- I called talked to - who told me still pending DIL review. I advised that property would be vacant and cleared out on -/-/- as requested in the emails from - -. Was told they would do their final inspection after this date and make their determination on the DIL. -/-/- I talked to - and was told file was closed -/-/- in error '' and was told that they would reactivate for a streamlined DIL. -/-/- talked to - - he stated that there was never an error in closing the file. He stated file was closed because I did not submit pay stubs, bank statements, etc. and he felt I was given wrong or misinterpreted information that was given to me and my only option now was to submit an entire hardship package for the - time! -/-/- I called for further information since all prior information, emails, etc seem to be a lie in order for me to clear the liens. They tricked me into spending money I do n't have to fly to - to clear out the property and leave it clean with the promise of a DIL just to turn around and deny it. I talked to - on -/-/- and she stated that I did not qualify for a streamlined DIL due to my credit and that the streamlined DIL was set up in error by the Loss Mitigation Dept. See documents attached for details, notes and correspondence