PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Maryland

Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on - -, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on - -. My contract was ratified on - - and the appraisal contingency was due at - on - -. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until - - on - -. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at -. Almost a week later now on - - at -, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline - -but with multiple mistakes that could indeed impact the appraised value?? PNC


the brank manager ( - ) has been out of town all week, but the supervisor, - - - refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. - - - did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am - for 4 years and just returned to the - area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.