Consumer complaint received 2020-01-11
Company: PNC Bank N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX To : PNC Mortgage Re : Formal Credit Dispute : 3 ( Three ) Inaccurate delinquencies : 30, 60 & 90 day. 

The latest formal dispute ( XX/XX/XXXX ) was successful as PNC agreed to remove the 90-day delinquency reported on my credit. 

All delinquencies originating from the same issue/account that was not resolved properly from the beginning. 

After this dispute was filed on XX/XX/XXXX, my credit report was pulled again XX/XX/XXXX, reporting 2 ( two ) additional delinquencies, relating to the same 90 day that is NOW pending removal via PNC. The original credit report that brought all this to my attention ( see attached ) did not show the additional delinquencies, hence the purpose of this new dispute with CFPB. 

*** This NEW dispute is to request the additional REMOVAL of the 30-day & 60-day delinquencies reported by PNC. 

ACCOUNT HISTORY : The subject account was Paid-In-Full following PNC ONLINE BANKNG PAY OFF TABS ( See attached example ), yet never closed, charges accrued, credits from PNC were received ( thank you ), but delinquencies were still reported because the various DEPARTMENTS, ONLINE BANKING, and DELIQUENCIES TRIGGERED AUTOMATION which seem irreversible, unless these steps are taken. 

At the end of the day, the account was never closed, managed, communicated or resolved properly. The main reason it seems PNC Departments and Bank Technologies do not seem to sink. Therefore, once a delinquency is triggered, whether for {$40.00} or {$40000.00}, it can not easily be undone. Although, I was given credits via the Escalations Dept. on my account, with the understanding these problems were solved and behind me. 

PNC CONTACT TIME-LINE : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX- PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX # 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XXXX. These can be references based on the credits received on my account after the conversations were complete. See attached bank statements. 

XX/XX/XXXX XXXX XXXX : Executive Client Relations - XXXX XXXX responded to my last credit dispute via Consumer Financial Protection Bureau - She was helpful in REMOVING the 90 Day Delinquency reported via PNC Mortgage XX/XX/XXXX XXXX XXXX email/letter from PNC agreeing and removing 90-day delinquency per request To Whom It May Concern : Im requesting for PNC to consider removing the additional delinquencies ( 30-day & 60-day ) reported from XX/XX/XXXX - XX/XX/XXXX ( see attached credit report ) with the same considerations and understanding that lead to the agreed removal of the 90-day.

I believe there were mistakes, inaccuracies and lack of proper account management with my Equity Line of Credit ( account # na ). 

The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance via PNC ONLINE BANKING ( see attached example ). I understood this payment to XXXX  out my balance to {$0.00}. 

I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts and loans, including my Business Accounts. 

Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, by crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance and the PNC representative would properly fix the problem, I could not understanding that the fees continued and the account was still active, given the payments were all made and/or credited after complaining and discussing with PNC. It became very disappointing, unfair and accusatory why this continued. 

After multiple months of this, finally one individual within escalations was able to officially close out my account and remove all payments and fees. 

In the meantime, these delinquencies for nominal amounts were reported. 

Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. 

Important note, Executive Client Relations has agreed to reverse the 90-day. This precedence should follow the same reasoning to remove the 30 and 60. 

. 
I hope youll consider this loyalty and any other miscommunications with the subject account and realize having these delinquencies, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s.

Thank you for attention, consideration and immediate resolution with this matter.

Company response to consumer: Closed with explanation