Consumer complaint received 2017-12-20
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Complaint Against PNC Bank, NA NMLS ID XXXX XXXX, MI Service Center and against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NMLS ID XXXX, An Individual Authorized to Represent PNC Bank, National Association On XX/XX/XXXX at approximately XXXX XXXX, in the routine course of servicing my application for a Home Equity Line of Credit during a telephone exchange recorded by PNC Bank, XXXX XXXX, in his capacity of an authorized representative of PNC Bank, NA, did TWICE during the exchange falsely and maliciously accuse me of the federal crime of willfully attempting to commit fraud on my loan application. He clearly stated falsely that I was lying on the application. 
This constitutes two counts by authorized PNC Bank Representative XXXX XXXX of committing the civil infraction of libel against me and was a defamation of my good character, while XXXX XXXX represented PNC Bank, NA, which bears direct responsibility for his illegal and upsetting acts which are personally injurious to me causing great distress to my well-being since my victimization by XXXX XXXX as he spoke for PNC Bank. 
Having been the victim of age discrimination I cant help but wonder if PNC Bank encourages bullying of older folks like me. My date of birth was required on my application. I am in the process of discussing this possibility with a legal firm expert in matters of age discrimination. 
I contacted PNC Bank Representative XXXX merely to point out an error ON HIS PART that was delaying processing of my application. I was understandably upset at being called a liar and a felon and I demanded to speak with his supervisor at once. 
XXXX XXXX TWICE REFUSED TO TRANSFER ME TO A SUPERVISOR but upon my insistence finally did so. 
The PNC Bank supervisor ( name, full title, and NMLS ID available on request ) heard my complaint and promised me that the recording of this call would be saved indefinitely. 
In an email time stamped XXXX CST on XX/XX/XXXX I received an admission of PNC Bank error : and an apology and excerpted below, full text available on request : In regards to your complaints from the interactions on your call this morning.I did review the call and again apologize any inference taken from the statements made. we are again moving forward with the application. .and again please accept my apology for any misunderstanding. 
I have been contacted by a PNC investigator and will pursue this matter until I receive verification that XXXX XXXX has been subject to disciplinary action by PNC Bank, not excluding suspension or termination of his employment. Anything less will serve as solid proof that PNC Bank approves of, condones, and encourages XXXX XXXX illegal and outrageous behavior. 
This would surely indicate a more embedded culture of complicity by PNC Bank in areas that might uncover a XXXX XXXX corruption scenario that demands investigation by federal banking and justice authorities and in turn, the news media. Questions should be asked regarding how far up in the executive chain this might go. Like at XXXX XXXX, are instructions to Is the instruction to intimidate PNC Bank customers coming from PNC Bank CEO XXXX XXXX? 
It will be interesting to see whether my loan is approved since PNC Bank already erroneously ended consideration of it on faulty data recklessly submitted by its authorized representative, XXXX XXXX. That is until I corrected them and demanded my rights. I will certainly demand thorough investigation and audit by regulating authorities for even the slightest irregularities if it is denied.

Company response to consumer: Closed with explanation