PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting District of Columbia

I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than $1000.00 in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of $790.00 I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint - recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.