Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This complaint is a duplicate of the complaint filed by XXXX XXXX XXXX the same date herewith. XXXX XXXX XXXX and XXXX XXXX XXXX are " the Account-holders. '' Purpose of complaint : delete, or correct, the late payment reported with the XXXX major credit reporting agencies ( XXXX, XXXX and XXXX ) ( " Credit Agencies '' ) concerning the XXXX XXXX payment. PNC Bank has refused to delete, or correct, this information, in spite of their unfair and fraudulent practices ( set forth below ). 
The XXXX XXXX payment was due on XXXX XXXX, XXXX. The amount due was {$230.00}. This payment was not made and a {$40.00} late fee was assessed, along with interest ; however, during the month of XXXX XXXX, PNC 's website reported an affirmative " Next Scheduled Payment, '' dated XXXX XXXX, XXXX, in the amount of {$230.00}, when in fact NO payment was scheduled. 
The Account-holders reasonably relied upon this information and did not take additional steps to satisfy the XXXX XXXX payment ( believing that either a payment had been affirmatively scheduled by them, or that the account was enrolled in automatic deduction ). 
When the fictitious " Next Scheduled Payment '' in the amount of {$230.00} was not made on XXXX XXXX, XXXX ( as indicated by PNC 's website ), the Account-holders affirmatively scheduled a payment on XXXX XXXX, XXXX, in the amount of {$450.00}. An additional payment of {$200.00} was made by the Account-holders on XXXX XXXX, XXXX. 
To date, the Account balance has been paid in full and no payment is due. 
1. UNFAIR AND FRAUDULENT PRACTICES IN COLLECTING THE DEBT PNC 's website is unfair and fraudulent because : ( i ) it displays a false " Next Scheduled Payment, '' which includes a false payment amount and false payment date, each and every month that a balance is due ; and ( ii ) it does NOT display a due date each and every month that a balance is due. 
For reference, the only fields reported on the website, with respect the Account, are : Available Credit : Balance : Principal Balance : Credit Limit : Current Interest Rate : Interest Paid Year to Date : Interest Paid Last Year : Original Note Date : Last Payment : Next Scheduled Payment : 2. UNFAIR AND FRAUDULENT PRACTICES IN MANAGING THE ACCOUNT a. Suspension of Automatic Deduction Sometime prior to XXXX XXXX, the Account was enrolled in an automatic deduction, wherein the minimum payment due was withdrawn from my Account-holders ' PNC Bank Checking Account automatically and applied to the Account. Sometime prior to XXXX XXXX, this feature was disabled by PNC without the permission or knowledge of the Account-holders. 
b. Failure to Update the Account-holder 's Mailing Address In XXXX XXXX, the Account-holders moved from XXXX to XXXX. In XXXX XXXX, the Account-holders moved locally within XXXX. Several telephone calls were made to PNC Loan servicing and PNC customer service requesting address changes to the Account. The address changes to the Account-holder 's PNC Bank Checking Account were honored but NOT to the Account which is the subject of this complaint. PNC was made aware of the moves by the USPS on various dates ( most recently on XXXX XXXX, XXXX ) ; however, PNC did not update the mailing address. 
3. FALSE STATEMENTS AND FALSE ASSURANCES REGARDING THE CREDIT REPORTING OF THE ACCOUNT : On XXXX XXXX, XXXX, XXXX XXXX XXXX called PNC 's customer service number and explained that no payment was made in XXXX XXXX because of 1. 2.a. and 2.b., above. The customer service representative conceded 1. 2.a. and 2.b., above, and refunded the {$40.00} late fee and interest. The customer service representative further stated that PNC would NOT report this payment to the Credit Agencies because of 1. 2.a. and 2.b., above, were tantamount to bank error ; however, PNC reported the XXXX XXXX payment was 30 days past due with the Credit Agencies.

Company response to consumer: Closed with explanation