Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I would like to file a complaint against my AUTO LOAN COMPANY : First National Bank. I received a letter in XX/XX/XXXX stating they have accepted my monthly car payment, and my loan has been placed in deferred. It does NOT state I owed any additional payments And I havent received anything prior stating a delinquent amount. I reached out to the loan department and was informed I missed XX/XX/XXXX payment. I was told I had to take proof of payment to the bank to show I paid my balance. The next month I received another letter stating I now was behind 2 payments. When reaching out to the loan department, I was then told they miscalculated and it was between either XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX that a payment was missed. Again, Ive taken my statements to the bank that verified an all payments have been made. Since, XX/XX/XXXXXXXX XXXX I have been receiving letters of a missed payment and the date of the missed payment keeps changing. On XX/XX/XXXXXXXX XXXX  I went to the First National Bank again with my bank statements showing all proof of payment. Ive spoken with the auto loan company the same day and the error was made when I submitted {$1400.00} XX/XX/XXXX for both my XXXX and XXXX payments. I received 2 additional letters after being told it was being fixed! Once on XXXXXXXX stating I owed my original monthly payment for a missed payment in XX/XX/XXXX which I already made payment of XX/XX/XXXX in the amount of {$750.00}. I received another XX/XX/XXXXXXXX  saying I needed to now pay {$1500.00} for a missed payment XX/XX/XXXXXXXX XXXX Ive spoken with the Auto Department again today XXXXXX/XX/XXXX and was told I missed a payment back in XX/XX/XXXX and I was only playing catch up for nearly 2 years. This makes absolutely no sense. Being as when I originally received the letter in XX/XX/XXXXXXXX XXXX  no missed payment was recorded. The missed payment date changed 4 times after PROOF of payments were received. In XXXX  I made my monthly payments in the form of cash at their bank branch. Online payments werent allowed without having a checking account with them specifically. ID had to be used also to make purchases. Once, I mentioned that their are cameras that proved I went directly in their bank to make cash payments last year, the loan adjuster hung up on me. I have the original letters stating that no payment owed was recorded. Also, all of the phone conversations were stated to be recorded proving the companies attempt of fraudulent missed payments. Using the times I paid in cash of last year to say an entire year from now I missed a payment nearly 2 years ago now. Yet and still the amount owed has went from XX/XX/XXXX {$770.00} in the XX/XX/XXXX letter to {$1500.00} on XX/XX/XXXXXXXX I received another letter XX/XX/XXXX for an intent to repossess if {$1500.00} plus additional {$47.00} for late fees arent paid by XX/XX/XXXX. I do not owe any additional payments and Im sure there is a edit history to show how this company is trying to scam customers. Especially, since theyre stating I owed them in XX/XX/XXXX and I havent received any late payments until XX/XX/XXXX when I called in to see what the issue was.

Company response to consumer: Closed with explanation