Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I am filing this complaint due to PNC Bank 's failure to provide legally required documentation regarding the disposition of collateral following repossession, and their failure to respond to formal requests for information. 

BACKGROUND : - XXXX XXXX charged off XX/XX/XXXX - I made post-charge-off payments totaling {$11000.00} between XX/XX/XXXX and XX/XX/XXXX- PNC repossessed and sold the vehicle in XXXX - PNC now claims a deficiency balance of approximately {$5500.00} ISSUE XXXX : FAILURE TO DOCUMENT COMMERCIALLY REASONABLE SALE ( MULTI-STATE TRANSACTION ) This transaction involves XXXX states : - XXXX XXXX XXXX purchased while I was resident in XXXX XXXX XXXX : I was resident in XXXX  at time of default and charge-off in XX/XX/XXXX XXXX XXXX  : XXXX residence where PNC is attempting collection Under UCC Article 9 Section 9-610 ( XXXX XXXX XXXX XXXX XXXX XXXX ), a secured party must dispose of collateral in a commercially reasonable manner. The standard for commercial reasonableness depends on relevant market conditions, customary practices, and geographic context. 

PNC has failed to provide documentation showing the sale met commercially reasonable standards under ANY applicable state law, including : XXXX XXXX XXXX : - Which state 's market was used to determine fair market value? 
- Was the vehicle marketed in XXXX ( likely repo location ), XXXX  ( purchase state ), or XXXX? 
- What is the basis for claiming the sale method was reasonable across state lines? 

Sale Method and Marketing : - How was the vehicle sold ( dealer auction, online platform, private sale )? 
- Was it marketed to dealers or buyers in relevant geographic markets? 
- What efforts were made to maximize sale price given multi-state context? 

Governing XXXX and XXXX : - Which state 's XXXX provisions govern this transaction? 
- Which state 's repossession laws were followed? 
- Were notice requirements met under all applicable state laws? 

Sale Documentation : - Sale date and location - Gross sale price and itemized deductions - Evidence sale conformed to customary practices in the relevant market Without this documentation, PNC can not establish that the sale was commercially reasonable under XXXX XXXX Section XXXXXXXX XXXX  XXXX Section XXXX, or XXXX XXXX XXXX XXXX 

Under XXXX Section XXXX, if disposition is not commercially reasonable, PNC bears XXXX burden of proof and the deficiency is not enforceable. 

ISSUE XXXX : FAILURE TO RESPOND TO FORMAL REQUEST On XX/XX/XXXX, I submitted a written request to PNC XXXX Client Relations ( XXXX XXXX and XXXX XXXX ) requesting the above documentation before any further collection activity. 

PNC acknowledged my request on XX/XX/XXXX, and stated they would provide a written response no later than XX/XX/XXXX. 

As of XX/XX/XXXX ( XXXX days overdue ), PNC has not responded. 

ISSUE XXXX : PRIOR CFPB COMPLAINTS UNRESOLVED I previously filed CFPB complaints ( Case XXXX : XXXX, XXXX, XXXX ) regarding : - Unauthorized post-charge-off fees - Missing payment accounting - Inconsistent credit reporting - Lack of sale documentation PNC 's XX/XX/XXXX XXXX claimed the matter was resolved but failed to provide written resolution, fee breakdowns, or sale documentation. 

ADDITIONAL CONCERN : IMPROPER VENUE AND JURISDICTION PNC is attempting to collect a deficiency in XXXX based on a XXXX contract, XXXX repossession, and an undisclosed sale location. If this matter were to proceed to litigation, PNC may be required to prove personal jurisdiction, proper venue under the contract and applicable state law, and that the sale complied with commercial standards in the relevant state market. 

PNC 's failure to document these elements suggests the claimed deficiency may not be enforceable in any jurisdiction. 

PATTERN OF NON-RESPONSE PNC has a pattern of promising resolution and failing to deliver. I request CFPB intervention to compel a substantive response within XXXX days, not another promise to respond later.

Company response to consumer: Closed with explanation