PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Home equity loan or line of credit Application, originator, mortgage broker Florida

-, - ; Application submitted to PNC Bank for a $200000.00 Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( - & - ). The year - had not, as yet, been filed but was available as soon as it would be filed ( in -, - ). Against our agreement, PNC declined my application ( see attached PNC letter of -/-/- ). I immediately responded by my attached letter of -/-/-, which is self-explanatory. After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the


My Credit Rating of -, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of -/-/- did not sway the Retail Escalation Manager. For the record, please note that my -/-/- letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.