Consumer complaint received 06/16/2016 about Student loan (Non-federal student loan) with PNC Bank N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I apologize but I have to file another complaint against PNC in regards to XXXX XXXX XXXX 's response to my previous complaint ( Case # XXXX ), regarding my student loan I received for my time at XXXX XXXX XXXX of XXXX. Although I did dispute the response I need it addressed. The information provided by XXXX XXXX XXXX contains incorrect statements and she did not address my complaint nor did she provide evidence that PNC did inform me of the impending status of my loan. ( I 've attached her attachments form the above case # ) According to the submissions attached with her response there was almost 4 months of no contact between XXXX XXXX, XXXX and XXXX XXXX, XXXX, so the line of " repeated attempts to contact me '' in the letter dated in XX/XX/XXXX is false. 

And again I DID NOT RECEIVE this letter provided dated XXXX XXXX, XXXX ; and there were not any there after. 

Additionally, I have no record of any of these e-mails, I do n't even know what address they sent it to ; and they did not state it in this " final response. '' If it did not go to my XXXX account then I did not get it. EVEN SO the last reported e-mail was sent XXXX XXXX : 10 months prior. As for the phone calls, I do not have any record of them ; again I do not know what number they would have used to call. In all honesty I was not informed of its impending status. 

When this account was " closed '' my account was to my knowledge not 90 days late. I then made a payment in XX/XX/XXXX. AGAIN I was not made aware of this being " closed '' until I received a notice from XXXX XXXX XXXX XXXX, XX/XX/XXXX, clearly months after the reported closed date. 

According to my XXXX credit report the last payment received was XXXX XXXX, XXXX. This is absolutely incorrect ( My XXXX says it was XX/XX/XXXX, again : incorrect ). With the second payment I made XX/XX/XXXX I was caught up. I have to believe that the payments I paid after the date listed on my credit reports were not placed on my account ( in addition I had been paying {$50.00} over the amount due every month ). I stopped paying once I got the notice from the XXXX XXXX XXXX people. In the " final response '' XXXX XXXX XXXX stated I made a payment on XXXX XXXX, XXXX ; I did no such thing. I literally have no idea where this information came from but it is wrong. 

Below are the payments made to XXXX/PNC since XXXX XXXX, as far as I could go back without going into my bank, again I had been having troubles because of my lack of employment, to my knowledge, I had it caught up in XXXX. With the information I have been given and what I know to be true, I believe I was not given credit for the amounts under XXXX XXXX, XXXX due to the information on my credit report. These are the dates the payments cleared. ( I 've also attached proof from my bank ). 

XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} For any future reference I am not and have not been in contact with the co-signer, for my own protection, for the past 2+ years : meaning any contact between XXXX/PNC and him is unknown to me and will remain so.

Company response to consumer: Closed with explanation