Phillips Trenching & Well Drilling

PNC Bank, N.A. responded to [redacted] on November 29, 2016, and considers this matter addressed.

JME 4-21-15  Spoke with customer on 4-17-15, PNC considers this matter addressed.

September 4, 2015PNC Bank, N.A. responded to [redacted] on September 4, 2015, and considers this matter addressedThank you,[redacted]PNC Bank

October 23, 2015
PNC Bank, N.A. responded to Mr. [redacted] on October 23, 2015, and considers this matter addressed.
Thank You,
[redacted]

PNC Bank, N.A. responded to [redacted] on June 5, 2017, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on September 30, 2016 and considers this matter addressed Andrea M[redacted] Executive Client Relations

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not  satisfactory to me.  In fact I am now going to seek a lawyer because PNC took corporate money from my job for no reason threw my account and I withdrew the 650...

that was left, when their was a 800 dollar corporate deposit. PNC is going to cost me my job and if that happens I will file suit to the highest it can be filed.
Regards,
[redacted]

PNC Bank, N.A. responded to [redacted] on 10-12-17, and considers this matter addressed

PNC responded directly to [redacted] on June 15, 2015.  PNC considers this matter addressed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

PNC Bank N.A. responded to Mr. [redacted] on May 1, 2017, and considers this matter addressed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.April 12, 2016We absolutely reject and dispute PNCs response.They continue to tell us that our appraisal is not satisfactory to PNC.As we have stated and included documentation to prove, our appraisal was conducted by a [redacted] State licensed appraiser and in addition our appraisal was an FHA appraisal which as everyone knows, including PNC, is a much more detailed and thorough appraisal process. Furthermore, we have NEVER signed ANY contract with PNC mortgage. Our original mortgage was with [redacted] mortgage. PNC bought our mortgage from [redacted]. I have included (page 2 attachment) our original signed contract with [redacted] mortgage.We were told that as soon as the value of our property reached the required amount our PMI would be automatically terminated. This is exactly how we understood the contract.Since we never signed anything with PNC, how can they now say we don’t meet “their” requirements? If that was the case they could say any absurd thing they want to about any part of our mortgage.In addition I have included (page one attachment) a letter from PNC with states “we may request an appraisal through PNC mortgage”. It does not say we are “required to” it says “may”.PNC can and should accept our appraisal. PNC has the ability to simply include our appraiser in their so called “approved appraisers” list. Why can’t they do that? Why won’t they do that?This is absolutely ridiculous…anybody…any realtor, any assessor, any banker… anybody with a computer can confirm that our property’s value has reached the required 80% home to loan-to-value ratio.This is not the intent of the The Homeowners Protection Act. I am prepared to take legal action against PNC. I will let the court decide whether or not the intent of the The Homeowners Protection Act  is to make the homeowner jump through hoops of fire and spend thousands of dollars in order to stop being overcharged for useless and illegal PMI.Below is an excerpt from the Board of Governors of the Federal Reserve:The Homeowners Protection Act of 1998 (the Act) was signed into law on July 29, 1998, and became effective on July 29, 1999. The Act, also known as the “PMI Cancellation Act,” addresses homeowners’ difficulties in canceling private mortgage insurance (PMI) 1 coverage. It establishes provisions for canceling and terminating PMI, establishes disclosure and notification requirements, and requires the return of unearned premiums. Excessive PMI coverage provides little extra protection for a lender and does not benefit the borrower. In some instances, homeowners have experienced problems in canceling PMI. At other times, lenders may have agreed to terminate coverage when the borrower’s equity reached 20 percent, but the policies and procedures used for canceling or terminating PMI coverage varied widely among lenders.I believe PNC is in violation of The Homeowners Protection Act of 1998. I believe they are required to, and in fact a long time ago they were required to automatically terminate our PMI. I believe they can, but refuse to accept our appraisal.Regards,[redacted]

PNC Bank, N. A. responded to Mr. [redacted] on September 24, 2015, and considers this matter addressed. Thank you

PNC Bank, N.A. responded to [redacted] on August 19, 2016, and considers this matter addressed

JME 2-19-16 PNC Bank, N.A. responded to [redacted] on 2-19-16, and considers this matter addressed

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I am satisfied with the business response in reference to complaint ID [redacted] and I consider this matter resolved.  Thank you for this invaluable service to consumers.
Regards,
[redacted]

June 15, 2017PNC Bank, N.A. responded to [redacted] on June 15, 2017, and considers this matter addressed.Thank you,AC*