PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Pennsylvania

I have tried to submit a loan modification to P.N.C BANK back on -/-/2016 and they asked for all documents that i have provided to them and then they deny my modification due to them claiming I do not make enough but I actually have a positive surplus of over $900.00. I was denied loan modification on -/-/2016 and appealed the decision but then I receive a denial letter on appeal 3 days later. I know that by CFPB guidlines i have at least 30 days to appeal but PNC stated that since appeal process is not 90 days before sale date they can not do anything.