I have a mortgage with PNC Bank formerly National City Mortgage and have been up to date wit all payments bit fell into some financial difficulties and was trying to get a loan mod and contacted the lender and was switched the the in house loan modification which I though was harmless and wanted to see what they had to say.
I was asked some questions and was told that I would qualify for the program that was instituted by President Obama, and one of the things that I would need to do was start a escrow account for the taxes and the insurance to be paid and kept up to date (I pay my own taxes as well as the insurance on the house).
At this point I told the intake person that I was not interested in the program and I didn't want the papers sent to me I would look for different avenues.
At the time the tax bill was due I didn't received a tax bill for the town I live in and went to the receiver of taxes and inquired about the bill and was notified that PNC Mortgage had paid the bill for the first ave if the bill.
Upon hearing this when I got home I called PNC mortgage and told them that I did not authorize them to pay the tax bill an was told that I was under review for a loan-modification and since I was trying to get a loan-mod PNC started a escrow account for the taxes and I again stated that I was not interested in the program and not to pay any more of the taxes, well the second half of the taxes was also paid to the town against my wishes and at this point I notified the receiver of taxes that PNC Mortgage did not have authorization to pay the tax bill and was given papers from the clerk stopping PNC Mortgage from paying the taxes
Well now I am some 4,000 plus in escrow to PNC and because of this I am being held up for a refinance with another company for the fact that I owe the escrow and need to take care of ir before we can proceed with the refi trying to get a hold of the people at PNC is worthless for the fact that every time I contact them when I do get through I am switched to the Loan modification dept
I have seen people with problems worse than what I gave encountered with PNC and the Bank still continues to use tactics
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