Consumer complaint received 2018-04-08
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been having an ongoing problem with Pnc concerning a lease buyout dating back to XX/XX/2018. I have filed a complaint with the CFPB which was eventually taken care of thanks to you ; however, since then new problems have arose. In XX/XX/2018, Pnc has said that I did not make a payment for the loan. The payment is autopay from my checking account. I was not informed of this till late XX/XX/2018. In XXXX, I was double billed @ {$450.00} ea. When I called they reversed out 1 payment @ {$450.00}. Still charging me an additional {$450.00}. Then a series of late fees ensued @ XXXX. Ea. @ XXXX ( I have lost count ). To complicate things, I was XXXX from work from XX/XX/2018 to XX/XX/2018. I was able to pay XXXX payment. In XX/XX/2018 I  was billed for 2 payments again, $ XXXX.ea. It was then that I was informed that a payment was never taken out in XX/XX/2018. The payments escalated to {$950.00}. 
I called their XXXX # to inquire on this XX/XX/2018 and talked with XXXX XXXX concerning the account, who was very helpful. I had attempted to close my checking account 3 times prior, only to have my checking account go from " {$0.00} '' balance to @ - {$140.00} due to overdraft fees. She took care of all the overdraft fees and left my account to a + {$61.00}. She mailed me the check. She then closed my checking account, after 4 attempts on my part. I informed her I had 2 autopay accounts and I would need payment books or paper billing to continue making payments on 2 loans, 1 auto and 1 personal unsecured. 
I was transferred to the loan dept and talked with XXXX. She gave me the account # s, so if the paper billing did not arrive I would put the account # s on check to make  payments. She also gave me payment amounts of {$420.00} auto due XXXX and {$170.00} personal due the XXXX. She then transferred me to XXXX ( spelling? ) In the deferrment department. I was transferred there because of the work status XXXX issue. I was told that Pnc has a provision with their loans to defer loans 2 months in a 12 month period for personal issues which my 2 month XXXX falls into. I had the money to pay that day for {$450.00} but according to XXXX, it was no problem to make payment XX/XX/2018 for {$450.00}. The additional money would go on the regular payment date. 
Approximately 2 weeks later I received a letter from Pnc that they were not going to honor that conversation, and now my payment is late. Now the payment is + {$950.00} due immediately or I was in default. 
I received notice from a credit monitoring company today that my credit score has  dropped +120 points because of this issue. 
I believe that Pnc is " bullying '' me. They have changed the amount of my payment to {$450.00} from {$420.00} monthly and even higher other months. 
I have been offered an unsecured loan of 5.99 apr from XXXX, my new bank but fear that this " reported '' non payment will jeoprodize this. I want to severe all ties with Pnc but these " harrassments '' will NOT stop. 
Please help ... XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX PHONE # XXXX. I am unable to take calls from XXXX. Please leave message. Email : XXXX Thank you for any assistance you can provide. 
Any paperwork I have is available upon request.

Company response to consumer: Closed with explanation