Consumer complaint received 2018-07-20
Company: PNC Bank N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Back in XX/XX/XXXX I went online to set up my auto payment for my credit card ( a card in which I had to put the money down to get ) I only got the card to build credit and used it for small bills. For some reason my online auto payment did not go through and caused me to be late on my payment. The payment was late for over 30 days and cause my account to become delinquent. The only way I found out about this delinquency was from the alerts on my credit report and seeing that my Scores had dropped over 85 points. PNC never tried to contact me by email, phone, mail, or by text to inform me of the overdue balance in which was only {$52.00} when I had gave them permission to do so when I opened the account. I called XXXX   XXXX XXXX explaining to them my situation, letting them know that I thought my account was set up for auto payments and they told me that it wasnt. Stating that i did put all the bank information in as for the account number and route number but the auto payment didnt go through. I explained to them again that I thought it was set up thats why I havent been making my usual manual payments and told them to check my bank account balance just to show them that I had plenty of money in my savings and checking account to make the payments just that I wasnt aware that the card payment wasnt being paid. I then let them know that I had paid off the full balance of the credit card ( secured card ) from my bank account the night before on XX/XX/2018 and that it was still pending. I then as asked them to help me set up the auto payment so this would never happend again. I let them know that I was only using the card for small bills and just had opened my restaurant and wanted to make sure all my small bills were being taken out automatically. They then help me do so and then I told them that they could clearly see that I wasnt trying to not make my payments but thought my account was set up for auto payments but it wasnt. He then told me yes he do understand and could clearly see that the money wasnt the issue but just a mistake on either there end or mines. I then asked him well what about my credit issues l mean this mistake on your end or either mines just made your company report this to the credit agencies and now its on my credit report and causing my scores to drop drastically I mean over 85 points. I then told him how high my score was and what it was now and his words to me was you are still in good standards. I then told him that the reason why Ive been working so hard to build my credit was do to me and my wife was seeking to buy a house soon and he told me well your just above the qualifying score and should be good when I was expecting him to help me resolve the issue. He then told me that there was nothing he could do. After leaving the bank I then called the Credit card services and told them everything I did and asked for a waiver do to I had no late payments for over a year and was in good standing with them. They did put in a request and told me to wait 1-3 business days and to call back to see the outcome. Now my complaint is I feel someone should have at least called, emailed, sent a letter or texted me to let me know my bill was overdue before reporting it to the credit bureau. It took me three years to get my score where it was and this was clearly a mistake and they should take it off my report. The address on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 

Thank you for your help

Company response to consumer: Closed with explanation