PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

This is information that should be included with Case # - submitted this evening also. Texas Regulations allow a - % Homestead Exemption for - of the - taxing entities for property taxes using different tax rates for each entity. The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.- % of $330000.00 is $260000.00 and NOT $200000.00 as shown on the tax certificates. The - -, - letter from PNC attorney after receiving the QWR stated the error was made by using - % of $25000.00 which was a construction title policy which is $200000.00. That letter was also provided to HUD.


- as all calculations provided by me should be verified by the proper office. The individual amounts on the tax certificates ( - ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( $750.00 and $690.00 ) were incorrectly placed on the Disclosure to be paid in -/-/- rather than the correct amount for -/-/- of $320.00. This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the -. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately $900.00. Using a PNC calculated amount ( $4200.00 for the tax estimate, minus - page of the tax certificate of $3300.00 and used for an escrow analysis when the refund was made to the borrowers, $4200.00 - $3300.00 = $950.00 This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors