PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Other mortgage Loan servicing, payments, escrow account Georgia

I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of $1800.00 in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated - -, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on - -, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them $1800.00 because they say so is not an acceptable answer legally or otherwise. I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.