PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

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

I had - HELC loans with - - that were sold to PNC Bank - account - was coming up for renewal -/-/-, -/-/- I received an offer to convert - to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of -/-/-. The other - loan ending in - which was coming due -/-/- I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for - due -/-/- $960.00 ( $540.00 ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last - disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the - loan that they gave me on the - loan. Thanking you in advance, - -