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To: executive.[protected]@pncmortgage.com
I hope this is reaching an executive at PNC MORTGAGE
If you look up our account number you will see our numerous attempts to pay the arrears on our home and we have done more than complied with this whole stimulus package nightmare.
We fell 2 payments behind after a lay off and economic downfall, we notified PNC of our situation. When we submitted the next months payment it was declined and sent back to us stating that PNC MORTGAGE does not accept partial payments. We called the day this letter was received to tell them of our position and that the 2 months in arrears would be paid up to date within the next 2 months. They said they do not accept partial payments again and now that we were 3 months behind we had no choice but to become a statistic of the never ending stimulus.
Please look closely into our account, we have called and called to try and communicate but it has been to no avail.
After our last denial for the stimulus(third attempt), PNC MORTGAGE offered and made payment arrangements with us, we stated that we needed two weeks because we had to pull funds from our 401K. They sent us our paperwork with the payment arrangements written out clearly on PNC PAPERWORK, we were told to sign and date and return with the funds. The day after receiving this paperwork, we received a letter dated a day later, after payment arrangements were made stating that we were in FORECLOSURE and to contact Cal-Western Foreclosure? Cal-Western could give us NO info. We immediately called PNC MORTGAGE and GAYNOW (the resp at PNC) stated that "THEY COULD NOT TAKE US ON OUR WORD FOR RETRIEVING MONEY FROM OUR 401K" so the process continued into foreclosure regardless of the arrangement made with them. Now we are in foreclosure and it does not matter that PNC MORTGAGE made payment arrangements with us? And to top it off we are now hit with more penalties added by Cal-Western!
In following the payment plan agreed to with PNC we have now pulled funds from our 401k and lost money in penalties for early withdrawal of $3, 200.00 and then still PNC MORTGAGE will not accept the payment arrangement that they made with us? Due to pulling this amount from our 401K we had yet another penalty added in that we can NOT invest into again for 6 months! Thank you PNC! I do believe you should reimburse us for our continued loss of $$ due to trying to deal with your company.
We pulled all money necessary which was $10, 888.89 needed to get our home out of arrears and PNC MORTGAGE DECLINED? Then turned around and assessed more money on us for a foreclosure company. More money that we do not have after depleting our 401k!
We are begging for some executive assistance and authority, customer service does not care and they do not convey messages to you when a homeowner has funds to pay the house up to date... CUSTOMER SERVICE DOES NOT CARE and they do not know that we have put a lot of money down on this house, its our home and our 3 boys home, they do not give us to a higher management personal when we ask.
PLEASE, help us. We sold our last home in Lake Elsinore California which was also mortgaged with you, to buy this house and create a better life in another state for ourselves and our children. Please, I am begging you- HELP US?
Sincerely,
Here is some email addresses to executive office and a phone # to try. They are total jerks. We finally caught up but it was hell getting there. When you get your newest accounting info make sure they remove charges that have not happened. Such as auction posting, auctioneer, etc.
here ya go
executive.office@pncmortgage.com
kathleen.palcic@pncmortgage.com
[protected]
Good Luck
Well this is Chrissy Carder
I can tell you that I contacted via email, The US Treasury Department, My State Attorney General, The US Comptroller and my local news station. My State Attorney General contacted PNC immediately to establish an open line of communication. Although the line was open and they responded to our attorney general. I also wrote a letter directly to the PNC executive office executive.office@pncmortgage.com and a Courtney was my contact there- subject line FORECLOSURE IMMINENT- HELP NOW. Needless to say I did not get a response from PNC until a week later maybe more and only after Idaho Attorney Generals office contacted them.
I was in my last 3 weeks till foreclosure and after all of my efforts, PNC is the big corporation and without money to hire an attorney we had no recourse. This all started with a call to PNC stating we would not be able to make 2 payments and when we tried to make the next payment after the 2 missed they denied our payment and now put us 3 months behind and said we must enter the stimulus program. The stimulus hell lasted about a year with one denial, lost papers, more papers needed, forbearance and payments followed with a final denial and a payment arrangement made for the arrears. Two days after payment arrangement was made we received a letter from PNC (payment arrangement contract to be signed) another letter received the same day but dated 2 days after payment arrangement letter date stating we were now in foreclosure. We called PNC and they said they could not take us on our word. We made a WD from our 401K with a $3, 000.00 penalty for early WD only to be told by PNC that Foreclosure is happening unless we came up with our arrears and now the $4800 in foreclosure fees.
It is ugly, the foreclosure fees were unjustified as the actions of PNC against our family and home. Nobody from PNC was accountable and no employee at PNC was capable of helping or describing with knowledge why, how, or what to any questions we had or help that we asked for. Bottom line was we either come up with all arrears and now the foreclosure fees or our home would be taken. We luckily saved every months payment while in the stimulus minus some that was used due to hard times, hence the 401Kwd, but we also had to sell everything we owned and pawned the rest to come up with the foreclosure fees.
Email all of the above (your state) and do contact your local news stations. I can tell you that nobody I know that tried to save their home with this stimulus package was able too. The banks make more from the stimulus by foreclosing on the home then by helping the homeowner keep it. I will be pursuing a small claim against PNC to try and reclaim some of the foreclosure fees that were imposed unduly and I will also be filing a small claim against PNC for the penalty fees of $3000 on our 401K because we wd for our payment arrangement that they reneged on. I have also been asked to participate in a class action law suit against PNC for their inconceivable negligence in banking practice and lack of business ethics. I have yet to read on the class action lawsuit and will have to see if the other suits will cause a conflict. Good luck sister!
And the saga continues ...now the banks are stopping auctions. Check out this news clip. Lets take this bank down!
http://money.cnn.com/2010/10/08/real_estate/bank_america_50/index.htm
I seemed to have deleted the invite for the lawsuit, if anyone is aware of this suit can you please post the information!
This is exactly how it all our nightmare began. Call the Comptroller and your states Attorney Generals to help get that payment accepted before you fall further behind. I can understand during normal life occurrences, the mortgage needs paid and we better find a way. But when the economy is in a recession/depression then the bank really needs to practice discretion and help.
WOW...I hate to see so many people are experiencing the same poor quality responses from PNC that I am yet kind of glad to know I am not alone!
Here is my story...I made partial mortgage payments to PNC in August and September of 2010 when I was forced into reduced hours at work. In October (when my hours were reinstated and I started my additional part time job) i was ready to start making full payments again. That was when I got my first check back from PNC. They were returning my partial payments. On the same day I got some (not all) of my payments back I also got notification from PNCs attorney that my house was being placed in foreclosure proceedings. I have the money to bring my mortgage currect, as well as enough income to make my house payments. Yet, PNC says I have no other option but to particiapte in their loan modification programs all the while the foreclosure process moves forward. I have a lot of equity in my house and believe that PNC sees a real cash cow when they look at my property. I have worked hard to get where I am and do not want to lose my house...I am NOT just another number of someone that got in over their head.
Frustrated!
I am also in this situation. I have an attorney now and he is filing my Chapter 13. There was no other way out. I am shamed for falling for this. It took them one year to get my house from me because I believed all their talk about the modification and stimulous assistance. By the time I figured out what was really going on it was too late. I received an intent to foreclose. I got an attorney and that night they sent me the notice to sell my house on the steps. Please let this Chapter 13 save me. There is no other way out. PNC is ruthless. They talked me into being an idiot. I had a perfect credit report and payment history. I applied because the market went down and I hoped the 300 hundred a month less would help me over the rough spot. It did... then they started in with repeated requests for the same thing over and over. then told me I had to pay the balance plus fees to go back to my original payments. I wanted out. It all ended up a nightmare. The sale is December 13, 2010. I pray my lawyer can save me and my home. My credit is already in the toilet.. they made sure they did that too. Did you know that if you have a secured loan (i.e.FHA) the mortgage company does not get the property, they get the money and the bank gets the house? What a deal. Why would you work with anyone with a modification. Did you know that if you have a lot of equity in your home... it looks like gold to them? you bet! What a scam! I WAS A TARGET> Good Equity, Single Woman, Hard Times... they had my number!
Feb. 2009: applied for a Mortgage Mod. June 26, 2009: Told there are 'no loss mitigation options available'. August, 2009: accepted into the HAMP Trial Program / Told to miss a month's payment to get behind on the mortgage. October, 2009 - March, 2010: Made reduced payments in the HAMP Trial Program. August, 2009, and October, 2009: Asked PNC for a copy of the Trial agreement we signed, and was ignored. April 19, 2010: We were sent a check for $692.77 with a letter stating this amount was insufficiant to "reinstate your loan from default". April 20, 2010: We were informed we were not eligable for HAMP Modification due to stated income, which was incorrect (in their letter), attempts to resolve the issue went nowhere. April 27, 2010:Recieved a notice of Loan Default, with a demand for $8, 270.63 to bring the loan current. March and April, 2010: We were told by thee different representatives in Loss Mitigation to ignore the Default Letter because Loss Mitigation was working on an 'in house modification'. Atempts to recieve written verification were refused. June 23, 2010; recieved a letter stating we were refered for foreclosure. June 23, 2010: recieved a letter staing to direct all further communication to PNC's attorney, Tiffany and Bosco of Phoenix, Az. June 22, 2010: Foreclosure was filed.
We have since had the foreclosure reversed, all fees waived, and our credit scrubbed.
IT IS IN THE PURVUE AND DISCRETION OF PNC MORTGAGE TO DO THIS! DON'T LET THEM BULL$#!^ YOU ABOUT THIS!
We were sent a 'HAMP Backup Modification' offer in late September that was recinded four days later. We were sent the same mod offer last week, with a deadline of Thanksgiving. The modification offer nets us a savings of $47.70 a month, is above the average current interest rate, and $250.00 to $300.00 a month over what a curent market mortage would cost us! This is the 'fruit' of our labors to get a mortgage modification!
There are several law firms around the country investigating class action suits against these business practices by loan servicers and PNC in particular. As imple google search will get you firms.
Our hearts go out to all who are suffering under these calloused and arrogant practices. Stay positive and keep fighting!
Contact every senator on the Senate Banking Committee, your state Attorney General, newspaper and TV news outlet. Keep pressure on any way you can!
I posted my situation in another forum post (PNC Mortgage — errant foreclosure.) This company is ruthless. I forgot to add in my last post that we went into foreclosure after sending in the two months of payments we were behind with. They sent it back as well and proceeded with Notice of Default. This is all a result of attempting a loan mod on a horrible loan. I stopped counting, but I think we were denied 5-6 times. I tried myself with National City, then again with PNC, then again 3 more times with a loan mod company. PNC broke these people down despite that fact they prided themselves on attaining loan mods with banks such as Wells Fargo and B of A! I had to cash out a 403B acct, which was COSTLY to get my home back only for wanting to feel better about the inflated payments I write to the Private Nazi Corp (PNC) every month! I am in for a class action lawsuit, hope it happens, and am still pursuing contact to the state controller! We have pursued options for personal finances and are hoping for one day ridding ourselves of PNC as home values increase, if we make it through! Might happen on the property we have. The values are slowly rising in a bad economy-stricken state! I have much more to share, but will save it. I do remember being told by an attorney, however, that PNC received tons of bail out money, but is refusing to use it!
Why and how is PNC Mortgage and Bank still in business. I've been dealing with a short sale from PNC Bank and Mortgage since May 2010 and it is now November 2010. After months of negotiating the 2nd mortgage submitted an approval which is usually the hardest and longest to acquire. The closing date was set for Oct 28, 2010 but did not take place and no one could give a reason why. Of course the buyers bailed out! Now we risk going to forecloser or trying to negotiate another sale. I've have all my documents and plan to write to my local news station. PNC purposely held back to push this house into foreclosure. FOLKS, don't be fooled, these banks are getting gov't relief for the amount of foreclosures they can write off.
Raleigh, NC
I am dealing with PNC for the same issues. I am two months behind because of a change in income and sharp increase in expenses. I am looking for employment but am working on a forbearance to get the loan current. Everytime I call, I am told that it is still processing. I have worked with paperwork before and I had to have paperwork processed in a timely manner or I was in trouble. If they are behind, they need to hire some of the tax payers who bailed them out of trouble. This would be a win-win because we could get the paperwork handled and some of us in trouble could pay our loans and make them current.
If you want to complain, go to these websites and email your complaints to:
http://www.whitehouse.gov
http://www.house.gov
http://www.senate.gov
http://www.occ.treas.gov
http://www.doj.gov
and also to your attorney general.
If there are enough complaints, there can be a class action lawsuit filed against PNC and the other banks who are not living up to the rules, regulations, modifications, and standards set by the federal and state lawws.
also contact your local politicians
Our nightmare with PNC started with a simple refinance. We are currently in good standing and have always been. We could have gone with any mortgage company of our choosing, but we chose PNC thinking it would be easier to go through our current lender. Wrong! Sixty days has passed and our loan is still pending. We have provided all the documents necessary to close the loan in a timely manner and their underwriters sit around picking their noses and wasting time. Now we must resubmit redundant information and possibly need another appraisal because of the unnecessary delay. To add, once they get you "hook, " their customer service is crappy, one-hand doesn't know what the other is doing and they make excuses time and time again!
If you are looking to refinance, DO NOT USE PNC! Unless you have time to waste. Despite the loss of time, money and energy, we are pulling out and going with another mortgage company. PNC doesn't deserve our hard earned money, and after reading the the above complaints, we don't regret our decision.
Count us in. Our story is a little different, but the net effect is the same. We were current with our payment, our credit in good shape, but we had a medical and financial hardship when we inquired into the loan modification process. We wrote our hardship letter, and within 30 days, received step 1 of the two step process, with a reduced monthly payment. All payments were met the first of the month as agreed. After the final payment was submitted, we were anxious for step 2 offering the modification. That's when the requests for duplicate paperwork previously submitted, began. We continued to make the trial payments by PNC's direction on time until, August of 2010, at which time, we were presented with a modification, which not only didn't work for us (payments were too high) but they back dated the documents, to when the modification should have happen. Needless to say, we rejected the modification, with a request for other options. I was told by their representatives we are being considered for other in-house options, but felt a sense of their willingness to work with us. So, when I called in payment for September 1, 2010, it was refused. My hsuband and I were very concerned. We were told, we are not in a program at this time but are being considered. October 1, 2010, our payment is again refused, stating they are backlogged, they will notify us with a decision, requesting we wait another 30 days. I found out from a radio show about a making home affordable workshop, and my husband and I decided to attend. There was an attorney there, PNC representative, and this neighborhood advocate who provided us with information. We also, ran into our concilman. Optimistic, we will get final resolution in this stressful, protracted process, were PNC is in breach of the agreement, not the borrower. Clearly, that have demostrated "Bad Faith". We just received a denial letter from PNC, our first, which is absolutely unacceptible. If we were approved in August 2010 and decline in October 2010, someone has to answer this question. I am looking for a legal remedy.
We are in the same nightmare. They gave us our paperwork after many duplicates being sent, because they said they never received. Then they said we were fine and the modification went through. We sent the certified check and signed paperwork as we were told.Then they cashed the certified check they asked for, then mailed us back a bank check for that amount. Then PNC told us to go to one of their branches and cash the check, get a certified check for that amount and send it interoffice mail. Hopely this will stop the forclosure, we have done everything we were told. I'm very sad, and stressed. Getting sick from all the events. Can no longer function anymore. I would like to be apart of the lawsuit. Deb
I wish I did not have to say this but it looks like I am heading down the same road. I got papers to apply for federal mortgage help last month but have been down very sick for the last month and could not get the papers done until today.I have been tring to make one payment to them for 5 days now at last today I got in touch with them and they would not accept one payment because I am 2 months behind on payments so they said I had to make 2 payment which I could not make they said I could not make just one payment and they said it was in my contrct with them. well I never had a contract with them my contract was with first city bank which they bought out and my mortgage was tak3en pver by them. I can not belive this bull ### about not being able to make one payment I have done this in the past more than once and then get caught up later in the month I feel I am getting lead down a bad path here and by hearing other accounts here it look like I am right. leave it Obama to set up a program to help people and fined out their are so many holes in it that it help the banks screw us harder thanks for listening to me spew. I have called on many government agency to see if they can help me with this but no one will or they say wright up a complaint and we will look at it. Something has to be done about this it is not right they are making alot of money by screwing us and the government has given them a way to do it.
Add another to the PNC home modification nightmare. I have tried 3 times and every time there is another excuse. Now we are losing our home. Not sure what to do.
We would like more information about the class action law suit! We hired an attorney and we're putting our payments in escrow. PNC also added foreclosure "Fees" to our account after we were told several times that we were not in danger of foreclosure! We did not miss any payments during the reduced payment period or full payments prior to applying for the loan modification! This feels like a nightmare that I just can't awake from! We are honest, hard working middle class people. How can this be happening? We did everything that we were supposed to~ this sure doesn't feel like the American Dream!
Marie Marion, NY
I lost my husband in April of 2009. After his passing, I listed the home that we lived in with our two sons. That house had been on the market for over a year with the same realtor with poor showing results and no offers. I attempted to auction the house in July of 2010 in order to pay the first and second mortgages on the house as I was unable to make mortgage payments since my late husband's passing. I worked for him and therefore was left unemployed shortly after his death when the businesses were sold in order to pay off loans he initiated with PNC. The house did not sell at auction either, in fact no one showed up to bid on it which I feel was the result of my realtor's actions. Shortly thereafter that same realtor came up with a purchase contract near the end of the listing agreement. Since I was still under contract with the auctioneer I am having him represent me in the sale. All requested documents have been submitted to PNC numerous times, including the sale contract and request for short sale consideration. Each time I contact them I am told that there is another piece of missing information in my file as if they are looking for excuses to close my file/short sale request and foreclose on my home. Today they informed me that they needed an updated listing agreement because the current listing agreement had expired on 8/31/2010. When I asked why that was even an issue because we are asking them to consider the sale contract that was written when the listing agreement was in force they could not answer me and transferred me to the processor, Linda Roberts, whom of course was not available. I am at my wits end with PNC, I sincerely feel that we have one shot at selling the house located in Dayton Ohio due to the current state of the economy but PNC Mortgage is ignoring that fact in an attempt to foreclose on the property instead. The offer that we have received is fair and more than what they will receive in an additional attempt to auction the property since the 1st attempt failed completely. I have no money for them to come after as my husband's estate is likely insolvent and I am unemployed. Since dealing with PNC for several months now to become part of a work-out program and now to hopefuly hopefully sell the house in order to put this all behind us, I have come up against repeated rejections and excuses. No-one there seems to know what they are doing or is willing to help resolve real issues. The buyer has completed all necessary inspections and we are just waiting on PNC to accept or reject the offer which they seem to be incapable of doing. I have the Estate Attorney, Laura Martin, involved in this process in order to expedite things however we are both coming up with continued delays and we are concerned that we will lose our buyer over PNC's lack of action and repeated excuses as to why they cannot process the file. I need your help, what can I do, where can I turn to get PNC to take action and stop sending me the ridiculous form letters that have been sent out so far that do nothing but delay and frustrate matters?
We are in the same situation except we went through bankruptcy. They signed the reaffirmation agreement, which is a legally binding docuement, but now are foreclosing even though we are making payments. They started rejecting them in Aug, but our atty said to keep sending in the checks. We have 28 days before the house is to be sold on the courthouse steps. My atty keeps saying they are in the wrong, but PNC continues forward. I am taking the day off from work to find out what to do.
That same exact thing happened yo us. Isn't there a class action law suit?
We advise that PNC is under the jurisdiction of the Office of the Comptroller of the Currency. You can reach them at the following address, telephone number and web-site:
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKenny Street, Suite 33450
Houston TX 77010
www.occ.treas.gov
[protected]
Oh my God! We are going through the same thing! I was out of work for six months and we fell behind on our mortgage payments as well. We notified PNC of our situation and tried to make partial payments, but they returned it telling us that they did not accept partial payments! We tried working with them and having our loan motified, but they denied it. They gave us a number to catch up and to end further proceedings, we got that amount to them 1 day after their due date and they declined it and told us they were starting foreclosure proceedings! The amout was around 14, 000...now they want 25, 000 to stop the foreclosure proceedings and have given us 3 weeks! I feel as though they are totally taking advantage of people who experience setbacks! Any help out there!
Thanks from Santa Cruz, Ca
Unfortunately, it looks like I am in good company! Due to a divorce, I tried to get a conventional refi and a was denied due to debt-to-income ratio (no small wonder since 2/3 of my household income was now gone!). So, I tried the HAMP program but the payments were still too high. PNC said I could try a regular loan mod application, but it could take up to 12 weeks. In the packet I explained that I was filing BK so I could keep my home. So I sent it and in the meantime they started foreclosure proceedings because partial payments are not accepted and I could not pay the entire mortgage by myself. Their reason for denial was debt-to-income ratio, and I told them I was filing BK-they told me to apply again once I had the court discharge. Problem is, you can't reaffirm the debt if you're not current-a real catch 22. So, I did file BK and sent them my NEW and improved loan mod packet. I told them they have until 10/8/10 to get me a loan mod or the debt gets discharged. I even wrote my state senator, who did respond stating they had contacted Freddie Mac (who funds y loan) but no update as of 9/30/10. I can only suggest that we all file to the agency that regulates them and send them our complaints. Other option is to try class action lawsuit against PNC. You can contact me at gmbelson@cox.net if intersted or just want to vent. Hang tough, all!
Wow! Add us to the list of PNC Home Remodification Nightmare Stories! After losing my job, being diagnosed with fibromyalgia, and having 2 kids in college PNC advised us to apply for a loan modification. At the time ALL of our payments were current. We were told that within 3-6 months we would have an answer. After a year of paying our agreed upon reduced payment, we were denied! Although we income qualified at the time of application, my husband now had a second job. The position is perdiem and not guaranteed income. Despite this fact, PNC counted it against us. They are now seeking over $5000 from us the difference of our full payment and our reduced payment. In addition, they have hired Steven Baum’s office and are starting foreclosure! We feel like the program is a TRAP! We paid monthly, in good faith, for the entire year and no where in the agreement did it say we were jeopardizing losing our home! Had they told us up front, we would have NEVER gone through the process!
Wow! Add us to the list of PNC Home Remodification Nightmare Stories! After losing my job, having 2 kids in college & being diagnosed with fibromyalgia PNC suggested we apply for a loan modification. We were told that within 3-6 months we would have an answer. After a year of paying our agreed upon reduced payment, we were denied! Although we income qualified at the time of application, my husband now had a second job. The position is perdiem and not guaranteed income. Despite this fact, PNC counted it against us. They are now seeking over $5000 from us the difference of our full payment and our reduced payment. In addition, they have hired Steven Baum’s office and are starting foreclosure! We feel like the program is a TRAP! We paid monthly, in good faith, for the entire year and no where in the agreement did it say we were jeopardizing losing our home! Had they told us up front, we would have NEVER gone through the process!
Marie Marion
I found this today regarding PNC Mortgage and their bad business.
http://chimicles.com/case/pnc-mortgage-home-affordable-mortgage-program-hamp
This is happening to me too. Except I have not receive any phone calls or letters. Are ya'll getting anywhere with this?
Hi Chrissy- I am sorry to read about your PNC nightmare. I hope things have been resolved for you and your family.
I am unfortunately in a near identical situation as yours. I was unemployed for 7 months and current with every obligation I had... but I was approaching the end of my resources and something had to give. After reading about the government stimulus and PNC's modification programs online, we called PNC to explore our options . We were told that we would definitely qualify and we were perfect candidates and we were sent the paperwork... mind you, we were current at the time.
We were told that we should stop making our payments while the application was processed which should be within 30 days... and then the B.S. starts... "nothing is moving as quickly as it should because so many people are in the same situation...but dont worry because you are perfect candidates and it will be approved... and blah, blah, blah"
First denied because I was unemployed and had no income... Second denied because I now have an income, but I make too much for the modification... Now in the process of the third try we get denied because our loan is owned by an 'investor' who has different criteria for approving modifications. "
We are now five months behind and while PNC is telling us we are fine and not to worry... and I'm telling PNC I have the money to get caught up and I am ready to be done with this... and they tell me that I am fine and we dont need to worry and I should still wait to see if the last attempt at modification is approved because it will benefit me for the term of the note... and ugggh!
Two weeks ago I get a certified letter notifying me that my home will be sold to the highest bidder on the courthouse steps on Sept. 7th. What! I have the resources to pay and PNC encourages me to wait and see... then they throw my note into foreclosure have a lawyer list my home for sale by auction. What!
It should come as no surprise that the loan is for less than 75% of the property value (there is a second note for another7%) and they are guaranteed get their payment in full with enough left over to pay the attorneys then throw whats left over to the second mortgage holder.
I have 2 weeks to save my families home and I can't even get a return phone call from the people at PNC Loss Mitigation who at last contact said they were working on it and of course... "not to worry."
I'll figure something out. I can't believe I was so naive... what a scam!
Chrissy... if by some miracle you actually have the contact information for someone at PNC who might be able to help, I would be forever grateful.