PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Illinois

Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in -/-/-, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of $1200.00. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.