Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XXXX, I applied and was approved for a home equity line of credit. I own my home outright and my home with the XXXX acres was appraised over {$200000.00}. My credit score at that time was close to an XXXX PNC granted me a {$75000.00} credit limit. I have never utilized more than XXXX dollars from this line of credit. 
I have NEVER missed ONE payment on my line of credit! 
On XX/XX/XXXX I went into the local branch and withdrew a couple of XXXX dollars for the holidays. 
When I went back in XXXX, I went into the local branch, and the teller said there was a block on my line of credit. 
They didnt reduce the available credit. They made it to where I could do nothing with my line of credit. No funds were/are available!! 
I learned that there is NO ONE ( not a manager, teller, personal banker ) could answer questions or maintenance a loan at ANY of the physical PNC locations. 
It took me three hours to get somebody on the phone through PNC. 
The first week of XXXX in XXXX ; I received a phone call from a PNC personal banker. 
This banker never disclosed my line of credit was closed. ( pnc claims the block went on XX/XX/XXXX ). I specifically asked if there was a reason she was calling me? should I be worried? She reassured me this was procedure. She was very blas & and said she put me on her schedule for a few weeks from now to stop. I work with a the local courts and I had an emergency and I did not attend the appointment. Shortly after my line of credits is closed. Coincidence? 
I didnt attend the appointment, After hours on the phone, being transferred, being hung up on etc I was able to speak with someone. They blatantly lied to me and said they sent me a letter on XX/XX/XXXX putting my line of credit on hold. Thats another coincidence because XX/XX/XXXX is the exact day I went in and withdrew a couple of XXXX dollars before XXXX. Another coincidence? 
The first excuse I was given- was that they needed more proof I resided at the home? This is bogus. People hold lines of credit for decades. I feel discriminated against and targeted The Institute of responsibility to reach out to me. I received nothing in the postal mail, no emails, and no phone call. I was under the impression I had a {$75000.00} line of credit ( minus the balance ). 
Most customers do not utilize their entire line of credit. Its a back up. What if I need a new roof? What if my furnace goes? Etc. 
There had been an adjustment in my credit score due to a discrepancy with XXXX XXXX. This caused a little bit of flex in my credit score but nothing over XXXX points. 
PNC just closed my line of credit, and then reported it to the credit bureau, which resulted in XXXX point drop in my credit. 
PNC they have a reinstatement office, but you cant speak to anyone there. We as customers are supposed to fax/email our most sensitive information to our department where we cant speak to anyone? Theres no one to speak to at the physical location. 
No one else can explain why or how theres random block on my account. 
Is PNC going around and putting blocks on customers line of credit that hadnt turned in proof of address in the last two years?? 
Theyve laid off over XXXX employees and closed down multiple branches. Is PNC having financial struggles? 
Are they not able to provide to its patrons, but trying to blame us? 
PNC has acted unethically and unlawfully in these matters. Thank you for your help. 


I have included a copy of my electric bill just to verify my address to you folks.

Company response to consumer: Closed with explanation