Consumer complaint received 2016-10-17
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I had taken a home equity line of credit for XXXX with National City Bank. It was never used ( not one penny ). XX/XX/XXXX PNC took over National City. We never used those checks not one. 
My ex-husband lived in the other house we sold. I never got a bill or notice or email for a charge from PNC yet XX/XX/XXXX when I was already divorced I applied for a 0 % energy loan and on my credit reports there was a blemish that I did not pay PNC. I had no idea it was there. 
I called PNC and talked to the loan dept, they would not tell me what the char charge was for. Finally they claimed it was for flood insurance. I did not need flood insurance our town maps were not coded and it was not mandatory. Yet I was asked to pay {$160.00} and they would close my account with them. They reported the payment as a " charge off " I thought I was free and clear they asked me to pay XXXX and claimed they would close the account and report it to the credit bureaus. I got XXXX loan loans after that. How was I to know that not only did they charge me for an amount I did not owe, but now I ca n't get a mortgage or refinance because of their error. 
The documents attached will prove this. XX/XX/XXXX I was able to get a loan and buy my ex-husband out of the home I live in ( 35 years ) plenty of equity. The banks overlooked the PNC ( charge off ) so I was able to get the loan. 
I am now newly married and my husband and I have been trying to get a mortgage/home equity to fix up this house. My mortgage company did a refresh of my credit and PNC still has this charge off reported on my credit. This will stop us from getting a mortgage or a home equity for 3-4 more years. By then the rates will go up and I already lost a very good rate. 
Everything is at a standstill and I have called so many people at PNC and nobody would help or guide me. 
My dispute is very easy there never should have been any charge in the first place ( see attached documents ) with PNC letterhead that states clearly No Flood Insurance Required. Also I am aware that divorce issues are taken into consideration as far as me receiving any bills from I PNC I never received notice of any kind. No email, no letter, no phone calls My ex-husband claims he never got anything from PNC either or he would have forwarded them. 
I am asking for recourse from PNC and an explanation of what those charges were for. Why did n't they bill me. Why did they report me to the credit bureaus and not my ex-husband who was a co owner and co signer? Why are my calls and my certified letters going unanswered? 
My husband and I have excellent credit. That one charge off from PNC has caused so much frustration and XXXX. PNC refused to give me email addresses, physical addresses and would not return my calls. 
They also would not give me a person to talk to that could help. I did get names of people at PNC I talked to that were not helpful. I have documented there names and there depts. and extension numbers. 
I have also sent a report to the Comptroller of the Currency in Ohio where PNC has a home office. All of my letters to the XXXX major credit companies XXXX, XXXX, and XXXX were sent certified. They ha have not helped at all. I also sent a certified letter to The Loan Dept at PNC in XXXX, Pa but they have not sent my certified receipt back yet, and I have all of the others. No help whatsoever. 
Please I would like you to advocate for PNC to remove this from credit reports. All three major credit bureaus will remove by XX/XX/XXXX. 
This is a charge I am completely disputing and a charge off that I want removed from my credit reports as soon as possible. 
Can you please help us? Attached are the documents with proof.

Company response to consumer: Closed with explanation