Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

My name is XXXX XXXX. 
I received a alert from XXXX on XXXX that PNC Bank reported that I'm 30 days past due on my installment loan in the amount of {$48.00} for the month of XXXX. My loan payment is {$750.00}. For the month of XXXX I made my loan payment in the amount of XXXX ( The Majority ) of the actual payment. Once I received the alert I contacted PNC and spoke XXXX and she explained that the payment was 30 days behind in which I told her I understood, but what I explained to her was I've been a customer since 2018 when I acquired this loan, I've never missed a payment, never been 30 days behind with my payments even while we were in a pandemic I might add. I even spoke to a young lady over the phone at PNC when I made my XXXX payment that I was in deed short and I will definitely cover it and whatever fees that will be added will be covered for XXXX and she said that was ok. So my question to XXXX was being that I have been a long standing customer with great pay history you mean to tell me you guys will report me 30 days behind for {$48.00}! When I spoke to someone about it got the ok! and I still get reported which tanked my credit score from a high XXXX to the low XXXX XXXX points. Help me make it make since. XXXX stated that she completely understood my frustration and explained that there was no one there that I could speak with and advised me to file a dispute with the 3 credit agencies and that she would file a complaint on my behalf. I asked XXXX to go over my account with me to make sure I wasn't missing anything. She explained that my XXXX payment is due but isn't 30 days behind but there is a late fee because it's after the due date of XXXX and she informed me that I have 2 additional late fees for the same amount for XXXX & XXXX which I wasn't aware of the XXXX fee but it was fine I had no issue with that because there system and my online banking had two different totals. XXXX payment isn't due until the XXXX but I told her I was going take care of the complete balance on Friday XXXX in the amount of XXXX which would include all the fees for the past due and the remaining {$48.00} for XXXX 's payment, XXXX 's payment as well as XXXX. We ended the call and I went ahead and did what XXXX advised and filed the disputes with the credit agencies. Friday XXXX I get an alert from XXXX that PNC has responded to the dispute which they changed the the balance of {$48.00} that they stated I was 30 days behind on to {$790.00} and that it's XXXX & XXXX I'm 30 days behind which now shows I'm past due for 2 months which is incorrect. Mind you my XXXX payment is not until the XXXX and XXXX is not 30 days past due until the XXXX and we're only in the XXXX day of XXXX. I called XXXX and let her know what has happened she asked if someone has contacted me I told her no she said someone is going to contact me about the initial complaint filed on XXXX and I have yet to speak to anyone from PNC complaints department. I expressed to her that I get companies can pretend to care for there consumers and want the best for them but this is just ridiculous I'm in the process of trying to purchase my home so my credit is very vital at this point! I have never had any issues with any of my creditors except for this company! When they made the switch from BBVA the customer service left with them. How do you go from {$48.00} 30 days past due for XXXX to {$790.00} 30 days past due for XXXX & XXXX two months past due when XXXX isn't even due yet! What's really going on companies can just make up what they want to report! HELP ME MAKE it MAKE SINCE! All XXXX told me was they will be in touch and we ended our call. And yes the full balance was paid as agreed with XXXX for XXXX.