Consumer complaint received 2018-07-21
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To Whom it May Concern : In XX/XX/XXXX I opened a HELOC with XXXX XXXX XXXX. The new Bank after they were closed or bought out is PNC Bank who currently services this open HELOC.

PNS Bank is whom.I am making the complaint.against.

I was caught up in the Great Recession and the Real Estate Crash in XX/XX/XXXX. The HELOC lender at that time XXXX XXXX   shut down the HELOC and I continued making payments..

In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I didn't include the 1st or HELOC in the Chap. XXXX BK. I continued to pay my 1st.. Mortgage and my HELOC on my primary residence.

As of this date I have paid my mortgage down from {$100000.00}. to about 35,000..

In XX/XX/XXXX I noticed that I stopped receiving the monthly statements for my HELOC. I went to my local PNC branch to make a payment in person and to find out what happened.with my monthly statements?

I received a silly answer about I had filed a BK in XX/XX/XXXX ( 8 yrs. after the BK was discharged ) They explained that sending me a statement could be construed as them attempting to collect a debt that was discharged in Chap XXXX BK.

Please know that for approx. 8 years after the BK was dismissed the HELOC balance has been paid down from {$98000.00}. to about {$35000.00} over this 8 year period. Statement came every month and I paid every month without a single late payment.

Now after 8 years post BK XXXX, they suddenly refuse to send me monthly statements.

I went into the branch for the last 3 months and have complained about no statement and have still made a payment at the Bank window in person. My complaint is without a statement every month how do I know my principal and interest is being properly credited? Then I felt this practice must be illegal and against banking regulations.

I found a law that recently passed that Banks are required to send consumers statements with interest and principal compilation each month. I printed the Law out and brought it to the PNC Bank V.P. person and they called the main office and the result was they sent me a 2 inch thick package via USPS containing every statement since the HELOC inception in XX/XX/XXXX. That is not what I requested. I requested that they resume my monthly statements so that I can see my balance and payments credited.

I have tried with 3 visits at the Bank. They know the Law. I have provided PNC a copy of the Law to the Bank Manager. I have very politely requested them to resume amiling me statements every month.

PNC has demonstrated that they have chosen to ignore my request and ignore the Law and not send me my monthly statement. Their BK XXXX  argument doesn't hold any water since they have already sent me statements for 8 years every month since the XX/XX/XXXX BK XXXX and I have mailed the payment every month for 8 years showing that I have full intentions of paying this HELOC debt. Currently when I mail a payment I have no way of knowing that the payment was credited. They won't even allow me online access to my HELOB balance because they say I must open an account to get to use online services. I am in the Dark here. I am dealing with a Bank that has stobbornly refused to mail me monthly statement in spite of being made fully aware that they are required to mail statement under Federal Banking Laws.

Please guide me on how I should handle this matter.

Company response to consumer: Closed with explanation