Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Hello to whomever this may concern, XXXX the XXXX, my car was repossessed. I was given to XX/XX/XXXX to bring payments up to current or the vehicle would be prepped for auction. I was to come up with the amount of {$1700.00}. 

I paid the {$1700.00} on XX/XX/XXXX and was told the vehicle would be back from storage on the XXXX of XXXX, it was finally returned to me on XX/XX/XXXX. 

XX/XX/XXXX, I went to get a emissions test, XX/XX/XXXX attempted to register my car for tags. Georgia tag office told me I couldnt register the car because the title was out of state in Virginia. I was told to retrieve my title from Virginia then the car could be registered. I dont know how the car title ending up in Virginia XXXX The only conclusion I have is that they auctioned my car anyway assuming I wouldnt make the payment. Then, had to ship my car back to Georgia, which is why it took two weeks to get it back after I paid the money. If they were going to auction it, they shouldnt have given me the option of paying my past due installments in order to get my car back. 

I got in contact with the lien holder of my car ( PNC Bank ) and told them upon releasing the car back to me they failed to reverse the paperwork back into my name. As of XX/XX/XXXX, my car is no longer legal for driving. As a result, I have suffered an income loss as my car is used to ride-share in order to supplement my income- its the main reason I bought the car. Ive been confined to my home unable to live and travel. 

My children live out of state in Kentucky and spend breaks and summers with me. Im unable to go and get them nor visit them or my dad, whom is XXXX  years of age and resides in Kentucky. I am the only child and unable to physically check on him. I go to Kentucky once or twice a month. My dad, my children and my grandchildren all stay in the same town. 

Ive had to pay for XXXX back and forth to work from time to time, and occasionally Im forced to sneak and drive back and forth, because ride-sharing is expensive and I cant afford it every day. I have already been stopped by law enforcement once, but he let me go because he frequents the shop I work. 

PNC Bank keeps telling me that theyve contacted Virginia DMV, that they are waiting for Virginia to respond. Its been over three months that Ive been inconvenienced with this matter. 

Ive had to continue making car payments and insurance payments on a car that I cant drive and its hurting financially.

I called PNC every day in the beginning but reduced my attempts to once every two to three weeks allowing them time for progress, but to no avail. Im afraid that I will eventually get stopped by law enforcement again, lose the car and my driving privileges, ultimately suffering another repo that would be no fault of mine.

I asked PNC Bank is this the only option I have is to wait for Virginia to respond? They replied, this is the only option. 

It seems as though they arent putting in any real effort to get the paperwork straight, they seem quite passive when I call. The time before last about three weeks ago, I called PNC they claimed they were going to contact the titling agency. This past Friday PNC told me they were expediting the process.

I dont know what else to do, but Im the one that will reap all the consequences in this ordeal. Here it is XXXX, Ive had to make four car payments without being able to drive my car. My car payments are {$420.00} and insurance is {$200.00} amongst other expenses, but the time and inconvenience is greater. Our vehicles improve our productivity and quality of life, this has made me absolutely miserable. Not being able to fight back is the worst. 

Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation