Consumer complaint received 2022-08-13
Company: PNC Bank N.A.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. 

On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. 
PNC is a disgrace company who has taken predatory actions against my personal credit. 

PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. 
My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit.

Company response to consumer: Closed with explanation