Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #5154685
Complaint Overview
Complaint ID: 5154685
Company: PNC Bank N.A.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Virginia
ZIP Code: 242XX
Date Received: 2022-01-26T12:00:00-05:00
Date Sent to Company: 2022-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XX/XX/2021 Made an application for {$280000.00} mortgage with PNC bank XXXX XXXX, VA. Worked with loan officer daily supplying income information, savings, employment, etc. Followed our progress on the PNC loan tracker. Lead to believe all is well. Then denied XX/XX/2021, due to excessive obligations in relation to income. My wife and I had a combined annual income of some {$150000.00}. Current home was paid in full. No debt except for one auto loan. Substantial savings. My credit score was XXXX. Her credit score was XXXX. We were NO RISK. The same day I wrote you I wrote PNC and ask for a detailed explanation. To date I have NOT received any response. I believe it wasn't until they realized our age. I am XXXX. My wife is XXXX we were then denied.
Frequently Asked Questions
What is Complaint #5154685 about?
Complaint #5154685 was filed against PNC Bank N.A. regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2022-01-26T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.