Consumer complaint received 2020-03-11
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I happen to find this on my credit report by accident. I received an email from a mortgage refinance company that said I needed to get a letter from PNC mortgage stating I was not currently in a foreclosure. I was very confused since I had NEVER been in a foreclosure status with PNC mortgage. I had to respond to this email on XX/XX/XXXX. 

Now, I am refinancing my home again to obtain a lower interest rate. This process started on XX/XX/XXXX. In the process, I investigated my credit report through XXXXXXXX. When I opened the link to my closed account with PNC mortgage, I saw what this woman from almost three years ago was talking about. PNC had reported late payment for me from XXXX to XXXX with " FS '' meaning " foreclosure started '' during the good part of a year. Then all of a sudden all of the payments after ( and before ) this period were all marked on time. 

I have made EVERY SINGLE PAYMENT on time in XXXX, XXXX and XXXX. However, my payments were due on the XXXX of the month and sometimes would not post until the XXXX or XXXX of the month. My statements would reflect a " late payment charge '' and then a credit for the " late payment charge ''. I am assuming this is because my ON TIME payment was not reflected in their system in real time and it generated a late payment charge which had to be " erased ''. However, this should NEVER have prompted a reporting of 30 days late and certainly not 60, 90, 120 or 150 days late! 

Of course, I disputed this charge, especially considering PNC had reported a FORECLOSURE which was adamantly FALSE. Everything was corrected except that my payments continue to reflect a late payment of 30, 60, 90, 120, and 150 DAYS LATE!! for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is absolutely FALSE as every payment made during this time period was on time. As I previously stated, I NEVER MADE LATE PAYMENTS ON MY MORTGAGE. 

Also, I requested THREE separate times that PNC mortgage send me my account information for XXXX, XXXX and XXXX to verify my payment status for that time period. All payments were made on their website and I no longer have access to any of that information. They told me that the information was archived and it would take at least 30 days to get that information to me. I received a letter yesterday with the payments during XXXX but no other time period. All payments were made on time as I said ( although initially this was marked as a foreclosure period before it was corrected ). The last phone call I had with PNC 's " customer service '' was a woman who told me I had to file a " formal '' dispute. I told her I had filed a dispute for both XXXX and XXXX through XXXX XXXX 's   website. She told me that was not a " formal '' complaint although it did get them to remove the other negative information including the " foreclosure '' from my initial dispute. 

I can not give the credit bureaus any evidence of my paying them on time without the information that PNC holds in their " archives '' regarding my account. I do not even have access to that time period for my bank statements because it was over three years ago. 

I am deeply disturbed that I can not get more information from PNC and that PNC will not correct this information. It is costing me a higher interest rate due to my credit score being dinged for " severely delinquent accounts ''. I have worked very hard to maintain an excellent credit rating and I am appalled at the lack of action or empathy regarding how this detrimentally affects people lives and livelihood.

Company response to consumer: Closed with explanation