Consumer complaint received 2019-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A. (OH)

Re : PNC Mortgage Credit Dispute : Inaccurate {$40.00} delinquency reported from PNC Mortgage : Account Paid in Full, never closed, charges accrued, credits received, but delinquency reported and never closed or resolved properly from PNC. 

2nd mortgage ( HELOC ) PNC Contacts : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX XXXX 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XX/XX/XXXX. 

Mistakes can be references based on the credits received on my account after the conversations were complete. See attached bank statements. 


To Whom It May Concern : Im asking for PNC to consider removing the delinquency reported on XX/XX/XXXX as I believe a mistake was made with my Equity Line of Credit account and was not managed, reported, advised and/or resolved correctly through the many channels, including the escalations department & branch management, after multiple attempts at PNC. 

The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance. I understood this payment to XXXX  out my balance to {$0.00}. 

I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts, including my Business Accounts. 

Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, my crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance, I was not understanding that the fee continued and the account was still active, given the payments were all made and/or credited after inquiring with PNC. 

After multiple months of this, finally one individual within escalations was able to " officially '' close out my account and remove all payments and fees. 

In the meantime, a delinquency was reported for {$40.00}. 

Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. 

Please note, my family and I are lifelong customers of PNC ( formally with NCB ). My son, whom is now XXXX, opened an S is for Savings account this year. I also used PNC for my auto loan in XXXX. I have multiple other accounts, credit cards, business accounts and mortgages with PNC. 

I hope youll consider this loyalty and any other miscommunications with the subject account and realize having a delinquency, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s. 

Thank you for attention, consideration and immediate resolution with this matter.