PNC Bank N.A. Mortgage Complaint

PNC Bank N.A. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Kentucky

We acquired a loan -/-/2012 in the amount of $100000.00. The cost of our house was $110000.00. We currently only owe $36000.00. I have never been late on a payment and my credit score was - when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost $500.00 before they will remove our PMI. I think it 's unfair to make us pay an additional $500.00 when our current LTV is - %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the - % LTV?