Consumer complaint received 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: NM

Complaint narrative:
during the week of XX/XX/year>, me and my fianc went into the PNC bank in XXXX XXXX XXXX  to procure a personal loan. When sitting down with a loan specialist, she was amazing and very thorough. However, she was not trained properly by her own bank manager and ended up showing us the wrong interest rates for a personal loan. The model she showed us was for internal use only with their bank. So the percentages were much lower than what shouldve been quoted. We agreed to do the credit check and try to procure the loan due to the interest rates that were marketed to us. when the rate came back for the interest, it was double what we were expecting. When prompting as to what happened and why it came back that way we were told they didnt know and the manager would have to get back to us. We had a female manager ( maybe an assistant manager ) get back to us that day who didnt even speak to the underwriting department and had no idea how to fix the issue so me and my fianc went into the office the next day to talk to the original loan specialist and see what happened. The loan specialist started to explain her error and what happened the day we were quoted the loan interest rate. Still at this time no manager available for us to speak with. So that representative scheduled a meeting with her branch manager to discuss. me and my fianc showed up for a third time on Friday, XX/XX/XXXX and had a sit in conference with the branch manager and regional manager during which time they said they would attempt to get us the interest rate as discussed or come to a compromised interest rate. if that wouldnt suffice, they agreed to make sure that the credit check that they did was wiped for my credit if we decided to not pursue the loan. Due to the multiple errors and the multiple inconvenience factor of wasting our time and running a credit check on completely wrong information that was given to us. I wanted a letter from PNC Bank on their letterhead, confirming that they would be fixing the issue with my credit. For I know that the credit will not actually be fixed for months and I just want verification from that bank that they are taking responsibility for this. The branch manager reached out to me and told me that it should be about two weeks for me to get that letter. I have not received any letter and I have not received any communication from anyone at PNC to verify that they are still fixing and rectify the situation. my fianc currently is stationed in XXXX XXXX  and is a PNC member. I gave him two cashiers checks from a bank in XXXX  XXXX  where I reside and he took them to a PNC branch in XXXX  XXXX  to cash them. With them being cashiers checks there shouldve been no problem to cash them and the whole time because the cashiers check is basically cash just in paper form. However, the head bank teller at the PNC Bank in XXXX  XXXX, told my fianc that these looked fraudulent and that they would need to go through a processing verification and it could take up to two weeks. My fianc has scheduled an appointment with their regional manager to discuss on Monday, XX/XX/XXXX. I want PNC Bank to be researched into and looked into these two issues.

Company response to consumer: Closed with explanation