Consumer complaint received 2018-05-14
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : XXXX XXXX Vs PNC Bank. 

Thank you folks for being there. You have helped me greatly in the past in dealing with this ... well, I don't want to say " lending institution '' they're more a racket than anything and most of the people handling accounts should be terminated or worse ( jailed might be a better word in my opinion ). You were very instrumental in settling a dispute between me and " one '' PNC Bank back in XX/XX/XXXX. Thank you. It was very effective in getting their communication problem back on track for that issue. Unfortunately, I'm sorry, but we're back at it again with a new issue that isn't quite clear to me. 

I received a notice two weeks ago that " they were concerned '' about my inability to make my payments on the loan I have with them. The first word that comes out of their mouth is foreclosure. Kind of makes me suspicious of their motives and why I said what I did about jail earlier. There 've been some scams I hear lately about unfair or improper foreclosure on honest paying customers. ( hmmmm interesting ). Oh! Not accusing, you understand, but, well, just an interesting observation don't you think? I have not been late or delinquent on " one of my payments since XX/XX/XXXX '' when I opened this account with XXXX XXXX XXXX at the time. It was a Home Equity but the Home Equity was abolished in XX/XX/XXXXwhen I filed Bankruptcy and eventually got a Short Term Home Modification Loan set up at the time. 

That loan lasted two years and then a new load ( with your five star help ) got set up for a permanent agreement for both PNC Bank and I. I make my payments directly at PNC Bank XXXX XXXX XXXX XXXX OH. I have kept receipts on these payments since XX/XX/XXXX. Come now, PNC Bank, do you think I would be stupid enough to let payments lapse on a " LIEN? '' The first thing I would do is contact PNC Bank if I was unable to make a payment. Not that it would do any good. They don't care ... they don't listen. Legions of other people feel the same. That's why I've had to come to you the CFPB. 

I took, this document accusing me of needing " help '' no formal letter stating I had missed a payment ( s ) ( impossible if I'm making them at the local branch because PNC hasn't sent me a statement in five years ) to the same branch I always make my payments at. the poor banker, I felt sorry for him ... he was very understanding and contacted Billing or whoever right away. The " claim '' alleged by them is that two account numbers were transposed and the payment was credited to someone else 's account. " Ineptness. '' what can I say.

I don't know why they recently gave everyone new account numbers ( XX/XX/XXXX ) I have the letter scanned if you need it but I suspect their ineptness travelled down this path too. A fiasco can always occur when people like this are handling new account numbers and precious information like loans with liens attached to them. The banker and I thought the problem was fixed. The change was " supposedly '' made and everything was fine. 

Then, Saturday I got some packet I never ordered from them accusing me of " get this '' of " MISSED PAYMENT ( S ) '' plural. OH!!!! Now, it's missed payment ( s ). I don't know how many but I have copies of the last five months of receipts from the local branch. ( hmmm ). Still no formal letter defining these " recently missed payments '' OH MY GOSH BEGOSH! Well, thank XXXX they're " RECENT ''. It didn't take long to put my hands on and scan the receipts for the past five months. It would be funny if it wasn't so sad that former XXXX XXXX XXXX a bank my dear Mother banked with for years has been sold to this ... ... .. ... Still no monthly statements but still I keep taking my payment to the XXXX XXXX XXXX OH branch every month and paying it without fail. The packet wants to " help me '' ( violins and orchestra please with just a little bit of obbligato from the lead voice if you please make it sound " serious '' " sad '' you know like " sack '' " cloth '' and " ashes '' thank you ) " explore my possible options for repaying my debt. '' What in blue blazes are they talking about? " Ineptness. '' I have copies of any documents you may need including the original agreement. Feel free to ask me I have them scanned. I'm sorry for so much info overload already. In short ... they're lying about " missed payments. '' Again, thank you for your assistance in this matter and yes I would love for you to share this information with your website I can not tell you or the world how much I loath PNC Bank. And one other thing This is a message to PNC. I own the house. You don't. You " have '' you " HAVE '' you " HAVE '' a piece of paper stating there is a lien on the property. That doesn't give you the right to invade " MY HOME ''  whenever you take the whim. with your ineptness in not properly handling my account.. And harassing me with this monkey nonsense anytime you please.. This .... is .... MY PROPERTY! DO YOU UNDERSTAND???? ( hmm? ) and when the load is paid I'll be rid of you for good.

Company response to consumer: Closed with explanation