Consumer complaint received 2017-10-10
Company: PNC Bank N.A.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My vehicle was repossessed by PNC Bank in the State of Illinois on or about XX/XX/XXXX. Please take special note that PNC Bank AND XXXX XXXX violated my legal consumer rights on multiple occasions which are detailed below. My rights were violated before, during and after the repossession of the vehicle.
My rights were violated prior to the repossession in three forms. First, PNC Bank repeatedly accepted partial and intermittent account payments prior to the repossession, but then stopped accepting those same types of payments immediately prior to the repossession of the vehicle. This is a clear violation of my rights as outlined by the State of Illinois Motor Vehicle Retail Installment Sales Act ( MVRISA ) : 815 ILCS 375/20. Second, I contacted PNC Bank through the customer service phone number and attempted to negotiate new terms of the existing vehicle loan contract. The PNC Bank customer service representative was very clear that PNC Bank would not attempt to re-negotiate my loan terms to refinance. Although PNC Bank was under no obligation to re-negotiate the terms of the loan, the lack of assistance from that point forward was a clear violation of my rights as outlined in the State of Illinois MVRISA. Third, I did not receive a single phone call or message from any recognizable ( defined below ) telephone number, either landline or cellular. During my possession of the vehicle, there were only two recognizable phone numbers that communicated with me, either PNC Bank calling me or I calling PNC Bank. Neither of these two phone numbers communicated with me concerning the repossession of the vehicle. Again, this demonstrates unfair and unethical consumer business practices by PNC Bank, My rights were directly violated by PNC Bank and XXXX XXXX during the repossession ( after the vehicle was removed from my residence ). Within the allotted time, according to the State of Illinois Notice of Redemption, I contacted PNC Bank through telephone customer service and attempted to speak directly to XXXX XXXX. I DID leave a message on XXXX XXXX voicemail box stating that I would like to make a deal to get my vehicle back. My telephone call/message was not returned. Once again, this is a repeated violation of my consumer rights by PNC Bank and XXXX XXXX.
Under the laws and statutes of the State of Illinois, a deficiency can not be claimed and a vehicle can not be repossessed unless all of the required notices were delivered accurately, properly and timely, and all of the allowable redemption and cure time limits were adhered to. On multiple occasions, PNC Bank and XXXX XXXX also violated my legal rights under the Servicemembers Civil Relief Act ( SCRA ). PNC Bank and XXXX XXXX did not afford me the proper opportunity to apply my rights under the SCRA.
Thus far, I have simply asked PNC Bank to cease all collections, negative credit reporting and remove negative credit reporting activities from all my credit reports related to this account.
I have sent a total of three ( 3 ) certified letters attempting to resolve this issue with PNC Bank. PNC Bank refuses to address the points that I have outlined above or any points in my communications. Instead, they have now turned the debt over to a collection agency named XXXX XXXX XXXX. XXXX XXXX XXXX., has since sent me a letter demanding payment in the amount of {$13000.00}. They have clearly stated they are going to seek legal judgement against me if I do not pay the {$13000.00}.
PNC Bank and now XXXX XXXX  are violating my rights. PNC Bank and XXXX XXXX do NOT even have matching amounts they are demanding for payment. Regardless, the vehicle was repossessed illegally.

Company response to consumer: Closed with explanation