Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Subject : Auto loan with unperfected lien after 7 month ; inability to issue title due to odometer disclosure defect ; I am submitting this complaint regarding an auto loan serviced by PNC Bank arising from a vehicle purchase that can not be lawfully completed due to unresolved title and odometer disclosure defects attributable to the selling dealership. 
Summary of Issue I purchased a vehicle on XX/XX/XXXX through a Pennsylvania dealership. More than six months after purchase, the title has not been issued and the lenders lien has not been perfected. I was only notified of the title defect in late XX/XX/XXXX. 
I have since learned that correction of the defect requires execution of a New York odometer correction form ( MV-103 ), which requires my voluntary signature and physical verification of the odometer reading. I dispute the mileage disclosure and have declined to execute the form. I have also revoked any power of attorney previously granted to the dealership.

Despite this, PNC continues to : * treat the loan as fully enforceable, * instruct me to work with the dealership to resolve the issue, * and require ongoing loan payments, while having knowledge that the lien can not be perfected and the title can not be issued under New York law. 
Timeline and Knowledge * The lender advised me that it sent multiple requests to the dealership over a period of approximately six months seeking correction of title defects and lien perfection, culminating in a formal demand letter around XX/XX/XXXX. 
* The dealership allegedly did not respond until required to certify receipt. 
* I was personally notified of the title issue on XX/XX/XXXX. 
* In XX/XX/XXXX, the dealership attempted to send paperwork for signature and stated it intended to rely on a previously executed power of attorney despite my express revocation.

* PNC has been copied on communications confirming : * my refusal to sign odometer correction paperwork, * revocation of power of attorney, * and the dealerships intent to submit alternative paperwork.

Compliance Concerns At this point, PNC has actual knowledge that : * The title has not been issued.

* The lien has not been perfected.

* The defect can not be cured without my voluntary execution of an odometer correction.

* I have lawfully declined to execute such documentation.

* The failure to perfect the lien is not due to consumer inaction, but due to a material disclosure defect and prolonged dealership inaction.

Despite this knowledge, PNC continues to require payment and directs me back to the dealership, even though the transaction can not be completed as structured.

I am concerned this conduct raises issues related to : * risk and compliance management, * treatment of consumers when collateral can not be perfected, * reliance on a consumer to cure seller defects, * and continued collection on a secured loan that is effectively unsecured. 
Harm to Consumer As a result, I am : * making payments on a loan secured by collateral that can not be perfected, * unable to obtain lawful title, * placed in ongoing uncertainty regarding ownership status, * and pressured to execute disputed odometer disclosures to protect the lenders position.

I have fully cooperated, acted in good faith, and notified all parties promptly once informed of the defect.

Requested Review I am requesting that the agency review : * PNCs handling of this unperfected lien, * its continued payment demands despite known defects, * its reliance on the consumer to cure dealership noncompliance, * and its internal risk and compliance response to a transaction that can not be completed under state law.

I am not requesting damages through this complaint. I am seeking regulatory review, compliance oversight, and appropriate corrective action.

I would also note that this matter is currently under review by the New York State Office of the Attorney General ( case number : XXXX ) following my formal complaint regarding the dealerships failure to resolve the title and odometer disclosure defect. That office has advised me that it is investigating the matter and will be contacting the dealership for mediation. I am submitting this complaint separately to ensure appropriate regulatory awareness and review of the lenders handling of a loan in which the lien remains unperfected and the underlying transaction can not be completed under state law. 

Attached are XXXX  of the emails between the dealership and myself as well as an email to PNC with that information.

Please let me know if any more documentation or information is needed.

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation