Consumer complaint received 2023-04-06
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
PNC is a XXXX and Fraudulent Establishment that carries out Deceptive Practices internally with their participating dealerships. 

I am a XXXX XXXX  who was kicked out of one of their branches in an attempt to make a payment on an Auto Loan. To this day the establishment has failed to address the incident. 

Upon Further Review Fraud at the Beginning of My Loan was discovered. My Credit application is in someone elses handwriting with signatures that dont belong to me. I have requested documents repeatedly and they recently responded to FL Dept of Agriculture to Say a Subpoena was needed in order to get access to the evidence. 

My Response and Continued Complaint are as Followed: 
I have reviewed the correspondence sent by PNC Bank and The Correspondence and have arrived at the following: 

PNC Bank: 
It has become clear to me that PNC refuses to Directly Correspond with me directly or DIRECTLY  answer any of the concerns set forth in the complaint originally issued in XXXX XXXX PNC Continues to go around the issues and insists on withholding the documents and items requested. 
At this point the Institution is hiding and withholding all evidence that prove guilt in the matters of Discrimination and Fraudulent Practices which transpired between themselves and the Dealership as it pertains to my Loan. 
I believe at this point PNC Bank is holding enough evidence to prove the following: 
1.	The Handwriting on the Application for credit does not match the actual credit application I filled out or any of the documents that I have sent in that contain my handwriting (Money orders, letters etc.). I dont have to argue at all if that alone is taken to court or reviewed by a Financial Companies and Bank Regulating Authority. My Signature doesnt even match. 
2.	The Continues to Fail at Holding the Dealership Accountable which shows me that this was a Joint effort to insert the Fraudulent Occurrences which have occurred and now blatantly evident. 
3.	My Concerns from the VERY BEGINNING of my loan were never taken seriously. There has been no internal department to review such matters. Neither for Fraud nor Discrimination. I Furthermore dont even believe that PNC bank is in Possession of any of the items I requested being that most their employees were working from home with the turn of the pandemic. It has been said that a Subpoena is what they need in order to provide the items, then a Subpoena is what they shall receive. The Aforementioned Subpoena will come in addition to all necessary actions to address Discrimination, Fraud and Failure to Directly Correspond and Only Corresponding via complaint responses. 
4.	There have also been recent discrepancies that show me PNC Bank and XXXX XXXX  Completed their own application and Fact of My Life and Status were never taken or considered from my actual and original consumer loan application. 
It doesnt take a Rocket Scientist to see that whats happening here is the silencing of Discrimination. If I were a bank and had a customer constantly calling to talk about an incident which made her feel uncomfortable and repeatedly told customer service representatives that she didnt want to be a customer of a XXXX organization. Id find a REAL way to reach out to her DIRECTLY and not send here XXXX  Reps in Escalation who only continued to escalate the issue because there was no actual department that resolved Discrimination and XXXX Occurrences. I would even go as far as going to see her to make sure that her issue was resolved. I have been extremely kind about this situation in hopes that PNC Bank would take the initiative to remedy this issue without a Discrimination or Fraud Lawsuit. 
What you guys have done is refuse to hold yourself accountable for your own constructively deceptive, fraudulent and selfish reasons. The Problem with big establishments is they use manipulative tactics in hopes that the client simply Lets it go.
I wont be letting this go. You are a XXXX establishment. 
The Ability for me to CONSTANTLY request the incident be reviewed, and lied to about it being escalated to a relevant department and NOTHING ever got done. Not even a letter of acknowledgement. In emails the reps who reached out in emails NEVER responded to me when I gave them times to contact me. 
This is an Establishment built on covering their asses. The Falsified letters you sent to CFPB that NEVER were sent to me prove that. The only correspondence I ever got from you are bills in the wrong name and even that was never corrected. Its crazy to claim I signed my correct name and viewed documents that had my actual name on there and you somehow end up with documents I allegedly signed with the wrong name. Come on now, thats a blatantly obvious sign something changed. 
Id never sign something with the wrong name or information I didnt agree to. Especially with someone elses handwriting. The responses covering the acts of fraud to negate the obvious actions only you could take in an attempt to pass the defective information is astounding. Miraculously my title paperwork says my correct name. Seems to me like somethings I actually completed made it to the appropriate place. My Registration didnt have the wrong name. That alone shows the paperwork submitted to the bank was swapped. This is far from rocket science. Even if my name was spelled incorrectly in Error, a handwritten application in another persons handwriting and signature isnt an error. 
You wouldnt have a car at my door if I didnt complete an actual credit application that wasnt qualified. Count the time it took to sell me the car. Less than 3 hours. So I know that my application was highly approved but there were add ons. Whats on the quote doesnt match what went on the contract. 

Dont waste my time with lies. The Problem is this bank and Dealership think XXXX folks are XXXX and have all the sense. I know exactly what made you guys THINK you could do this foolishness. XXXX XXXX XXXX XXXX  NOT AN XXXX 
The Dealership clearly XXXX  my application up (Which is Blatant Fraud) and even named me XXXX vs. XXXX There are so many cause for concerns with the Sale, Transaction and Loan at this point that maybe a Lawsuit to Subpoena the records may be the best route to remedy the ISSUES between us. Who in their right mind wants to be a customer of an establishment that kicked her out because she was too XXXX to be one of your XXXX XXXX XXXX XXXX customers? Cant even get a Proper discrimination complaint submitted.  I lived 5 Minutes away from the Branch. Maybe PNC Bank or XXXX XXXX and All affiliated Companies shouldnt be operating businesses in the state of FLORIDA as Florida has laws and statutes which do not support racism or discrimination in any way shape or form. The Comptroller of Currency, Federal Reserve, Human Rights, EEOC and Many other Regulating Authorities make this clear. 
You have the AUDACITY to write to me to even utilize the Verbiage Attempt to collect a Debt. I hope my correspondences from the day this incident occurred (Which Im sure you have tracked down and deleted from your records) has made it clear I have the right to pursue damages, emotional distress along with the pain and suffering Which resulted from the incident. I made that clear with my attempts to get out of the loan without penalty (This was me being fair). Even when the opportunity was on the table to agree Id made the catch up payment and simply provide the dealership with the exact payoff amount given the ability I had at the time to Trade the vehicle in. XXXX XXXX made sure I remained entrapped in the loan and continued to repeat I was in default and in repo status causing me to have an occurrence of sensory overload since I already suffer from. I have requested the records, recordings and surveillance to advocate for myself and PNC bank has gone against that by repeatedly Claiming Those records cannot be produced without Subpoena meaning that the Establishment is Challenging the Consumer to Pursue a Lawsuit vs. Remedy the issue independently. 
I sent my initial complaint in XXXX We are now in XXXX NONE OF WHAT I REQUESTED HAS BEEN PROVIDED. 
Yet what YOU HAVE DONE, is CONFIRMED my initial speculations that there was something done on the back end with this loan which caused the price to increase and my name to change. I also SUSPECT That you illegally misused government awarded money issued during the pandemic based on the paperwork which you have sent to me. I have NEVER received the vast majority of those letters and there wasnt any assistance given to me by FEMA. Its Strange to see how you have your letters NAMED. Because youd think that your establishment provided REPEATED assistance to me. I had 3 ongoing hardships. 1 Losing my Business Consulting Contracts During the Pandemic. A Health-Related Hardship and A Natural Disaster Displacement. The last resulted in a Family Member Passing away due to the flooding. Where I was required to pitch in and aid with Funeral Accommodations. Despite losing my Home and a Family Member I was never approved nor denied. You guys NEVER Sent me Direct Correspondence and I have the USPS service Informed Delivery Which can be utilized to back that statement up. I never even got a welcome packet and full terms or disclosures with my loan. The Most tactless Financial Transaction I have partaken in throughout my entire adulthood. NOTHING is ever documented or in writing. One of my biggest issues with this institution. 
The Representative Responding to this Complaint reached out to me Via email and I emailed her back. NEVER did she respond to me. This Company knows EXACTLY what they are doing. The whole company is a FRAUD. What are they really doing? Their Issues are not ERRORS its internal FRAUD as they benefit from IT ALL.
You (PNC) threw me out your branch discriminating against me after committing fraud with the XXXX XXXX Auto Dealership Inflating my loan with products I did not consent to along with misrepresentation of my vehicles warranty in order to push the deceptive practice of adding a non-factory warranty. I still have the window sticker which says I could inquire about an outside warranty WHICH I DIDNT DMV records will show you I was already an XXXX  Owner and Familiar with the Warranty being 5 years on all XXXX  (Which the Dealer Failed to Disclose and The Bank Failed to Review, That within itself is a misrepresentation) so I wouldnt need a 3rd party non factory warranty that wouldnt out live the manufacturers warranty. This is something you agreed to check for on all Auto Sales Transactions in order to service auto loans in Florida and Failed to Investigate even after I told you something had changed on my loan when I made the first payment. This Bank is Clearly FULLY AWARE of all that they have done. 
What was the reason to NOT respond to that but jump around to respond to every regulating authority to Appear as though you have a standing position or a good position of prior correspondence with me. Your Establishment is a XXXX  Organization whose ethics are flooded and stained with Fraudulent and Unethical Practices and Business Affiliates. 


I Stand on Everything I Said, and I am STILL REQUESTING ALL ITEMS Previously requested. Since the ONLY WAY to Acquire Said Documents is through a Subpoena, Supply where I should have it served along with any and all correspondence for your legal departments. I am going to deem this scenario as the Following: 
1.	Breach of Contract 
2.	Fraudulent Credit Application(s) 
3.	Discrimination in a Public Place of Service 
4.	False Documentation of Pandemic and Natural Disaster 
5.	Refusing to Correspond Directly 
6.	Refusing to Furnish Requested Documents and Items 
7.	Maliciously Manipulating and Altering Credit History based on Failure to Keep Legitimate Records 
I will summons each in the appropriate regulating authorities, commissions, local governing counties PNC and XXXX XXXX Do Business, Any Relevant Media Outlets and All Relevant Court(s). 
You clearly dont seem to understand when a person doesnt want to be a part of a XXXX  consumer and financial company relationship. 
I am not and wont be willing to mediate anything with your establishment outside of the courts with the outcome of a Jury Trial from this point forward. You guys understood what was being asked of you and I will not allow you to go around the issues any more. 
Due to Failure to Provide Accurate Resolutions, I am requesting Cease and Desist on all Telephonic and Electric Correspondence and am requesting all correspondence in Writing to submit for Review for Future Court Proceedings as it has been shown all correspondence electronic and telephonic are potentially being hidden or destroyed to protect PNC Bank. Im 1000% sure there were numerous employees that escalated the issue but we can all do things Your Way. The Last thing Im going to do is argue with a Financial Institution that has a completely different credit application not in my handwriting with documents I didnt even sign. 

The Evidence speaks for itself. You can either START telling the truth NOW or it can be brought forth in court with Subpoena and analyzation of actions and documents providing evidence. 

A Subpoena is needed to prove you discriminated against me? By Default you should review that and do your due diligence as well as make sure I am apologized to a remedied. NOT IGNORE ME and SABOTAGE MY Credit. You're out to paint me to look bad when the government, states and local laws go against discrimination and XXXX  acts against consumers. You're simply covering your A_____ and trying to smear my name and account history to do what "Silence me"? YOURE A XXXX ORGANIZATION who sabotages and manipulates people of XXXX  and dont deserve to be in business ANYWHERE.

Company response to consumer: Closed with explanation