Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (OH)

PNC closed my line of credit with no notice to me, the customer. PNC has been unethical throughout the entire process. On XX/XX/2023 I stopped at PNC and with {$3000.00} off of my HELPC. 
I have worked hard on my own home, and three years ago I worked with Pnc to get a {$75000.00} line of credit. 
I Utilized about {$20000.00}. I have never been late one time and three years with a payment. I have never once missed a payment. 
In XXXX, I received a phone call from a woman named XXXX at a PNC branch located in a Different county. I live in XXXX XXXX and I opened my line of credit in XXXX XXXX. 
XXXX called me from a branch in XXXX XXXX. XXXX stated it was time for my annual and that I just needed to stop in the branch for a few minutes. 
I made the appointment, but I missed the appointment due to unforeseen circumstances. 
XXXX calls me and makes another attempt to schedule an account review. its important that you understand. This Pnc representative never mentioned that my line of credit has been abruptly closed. The conversation was as if there was no issues, and this was a courtesy of PNC. I missed that appointment as well. 
I worked for XXXX XXXX so Im well aware that these are sales tactics. 
A few days later, I stopped my local PNC branch again to make a line of credit. I was literally turned away from the teller window. No one in the branch could answer what was going on or why my line of credit was unavailable. 
They handed me a piece of paper with a XXXX XXXX number on it. I had to go to my car and from there it took me three hours to get through to a representative that had an understanding of what was going on. 
For the next month and a half I would be misled and lied to. 
When I first started investigating this, Pnc reps blamed me. They stated they needed more information for me to keep my line of credit open and I mustve ignored a piece of mail. 
It wouldnt be until later, when I worked with XXXX, that I learned Pnc did not send me a letter requesting additional information. In my opinion, they didnt send me anything. Pnc resent a letter with the following explanation : the only issue PNC stated was my credit score from XXXX. PNC states my credit score was in the XXXX in XXXX and thats a flat out lie. I have included my XXXX credit report bc it certainly reflects differently, and Im currently waiting to receive my other reports. 
Hypothetically, why would Pnc run my credit in XXXX but not close my line of credit until XXXX? 
Pathetically, why would a personal banker be calling me in XXXX for an account review on an account that was closed according to PNC records. 
I have included a copy of my credit score from XXXX. 
My credit score dropped XXXX points because Pnc abruptly closed my line of credit and then reported it to the credit bureau. That is another lie I was told my PNC reps- they stated my credit wouldnt be affected. 
I provided the verification email for the appointment. The rep is scheduled me for XX/XX/XXXX and I have also included a copy of my credit score that disputes Pncs report. 
I would prefer not to be handed off to the ladies at the executive client relations department. XXXX was kind. The other ladies, dont give a lick. Please do not pass me off to that department again and if you do send it to California instead of Pennsylvania, I have emailed corporate & and Ive been CCing them on emails with my documentation as well