PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Connecticut

I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on -/-/- Since -/-/- I have been speaking with PNC regarding a refinance .I sent the app -/-/- and was denied do to credit ( approx - ). They told me to reapply on - -. At that time I was told i would have to apply for a LM. In the begining of - I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx - weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid - I recieved the LM agreement raising my payment - fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from -. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from $86.00 to aprrox $180.00 but approved for a LM with a payment of $430.00. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.