PNC Bank N.A. Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Ohio

To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started -/-/-. In the last 3 years of the 5 year term, they have overcharged us $400.00. I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. For instance, on - -, -, they calculated that the interest payable on - - was $170.00, and the principal would be $2900.00, for a total of $3100.00. But the next month, they sent me a statement saying that what they actually took out was : interest of $190.00, and the principal was actually $2900.00. Every month they do the same thing. Charge us a little more than they say they will.

in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? I enclose my statement from - -, - and - -, -. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the - of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over $500.00. If they do this to all of their customers, it would be - dollars of excess interest. Thank You