Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX - Borrower : XXXX XXXX submitted loan application to PNC Bank XX/XX/XXXX - Borrower : XXXX XXXX was approved for a {$15000.00} auto loan to purchase a vehicle for his daughter XXXX XXXX XXXX XXXX did not have a job at this time XXXX XXXX had a secondary account under the primary account of XXXX XXXX o Secondary account opened in XXXX to facilitate XXXX XXXX necessities XXXX XXXX agreed to pay the monthly automatic withdrawals via this secondary account in an effort to build her credit. 
The PNC Check Ready check specifically referenced XXXX XXXX as the borrower and XXXX XXXX for the monthly automatic withdrawal payments Auto dealer pressured daughter for information beyond that of a drivers license, i.e. ; place of employment, income, although the check was payment in full and did not require anything other than the signatures. 
o XXXX XXXX paid the overage of the {$15000.00} PNC Check Ready check in the amount of {$720.00} Consumer Loan and Security Agreement, Loan Use Section ( XXXX ) ( C ) ( v ) o Be exclusively owned by and titled in the name of every borrower who is listed on the check and who signs the check. 
The auto dealer issued the registration to DMV in the name of XXXX XXXX only o No reference to XXXX XXXX borrower Consumer Loan and Security Agreement Section ( 9 ) DEFAULT o ( i ) the title to the motor vehicle used as security for this loan contains any Defects. 
It is totally obvious that XXXX XXXX auto dealer breached this agreement at that time. 
XXXX XXXX added XXXX XXXX to his auto insurance policy whilst paying for the additional amount through XX/XX/XXXX from his primary account via automatic withdrawal XXXX XXXX was hired by XXXX on XX/XX/XXXX XXXX XXXX made all auto loan payments via automatic withdrawal from her secondary account through XX/XX/XXXX o All PNC statements reference my primary account ending in XXXX XXXX XXXX made the decision to move-out for unexplained and truly questionable and meritless reasons on XX/XX/XXXX o Did not embrace the rules of my house with honesty and integrity. 
Lies, half-truths, dishonesty over more than the past five years. 
On or about XX/XX/XXXX, the borrower discovered that the secondary account had been XXXX  out by the secondary account holder XXXX XXXX met with PNC Branch on XX/XX/XXXX and ; o paid the XX/XX/XXXX payment o Executed automated withdrawal from primary account Avoidance of late fee Avoidance of % increase of loan percentage rate o Presented PNC with document from DMV No XXXX on his record from PNC Bank XXXX XXXX received notice from PNC Bank that automatic payment service was cancelled on XX/XX/XXXX by secondary account holder. 

On XX/XX/XXXX XXXX XXXX asserted that she made the XX/XX/XXXX although such was not disclosed by bank employee ( s ) during meeting on XXXX XXXX Told by XXXX Customer Service that XXXX XXXX was a co-borrower who had the equal right to me, despite the fact that she had no job or credit history and disregarded the Security Agreement. 

No Job + No Credit = Co-borrower??? 

XX/XX/XXXX PNC Bank XXXX XXXX Received phone call from PNC Bank ; I Told that State of Arizona does not require that both signatures on the check as being the registered owner, despite the fact that the loan agreement clearly documents it without exception.

Company response to consumer: Closed with explanation