Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I sent a letter to PNC Bank regarding : Dispute of IRS Form XXXX and Request for Validation and Correction. I received a response from XXXX XXXX, a Partner with the firm XXXX that represents PNC. The response did not provide a disposition of the funds collected from the sale of the property to XXXX XXXX XXXX XXXX in the amount of {$190000.00}. On XX/XX/XXXX I sent a letter to PNC Bank and copied its attorney XXXX XXXX Partner XXXX XXXXXXXX. Email : XXXX I requested : 1. A reasonable investigation of this account. 2. Verification of the accuracy of the reported balance. 3. Deletion or correction of any inaccurate information. 4. Written results of your investigation. I am filing this formal complaint against PNC Bank, N.A. due to severe, systemic accounting contradictions, inaccurate data furnishing under the Fair Credit Reporting Act ( FCRA ), and a failure to provide a transparent accounting of a mortgage liquidation. PNC Bank, N.A. executed a judicial foreclosure on the subject property ( XXXX XXXX : XXXX ). Throughout this process, PNC has maintained drastically conflicting financial records regarding the true balance of the debt, misrepresenting the amounts across different legal and regulatory platforms : 1. Judicial Foreclosure Record : PNC certified to the court that the final judgment debt owed was approximately {$180000.00}. 2. IRS Tax Reporting : PNC subsequently issued an IRS Form XXXX, swearing under penalty of perjury to the Internal Revenue Service that the balance of principal outstanding at acquisition was {$150000.00}, with a Fair Market Value bid of {$170000.00}. 3. Credit Bureau Furnishing : As recently as XX/XX/XXXX, PNC continued to furnish data to consumer credit reporting agencies stating that I owed an active, accumulating balance of {$160000.00}, despite the fact that the property had already been transferred via a Certificate of Title. A servicer can not report an active monthly balance on a post-foreclosure account. 4. Third-Party Liquidated Sale : PNC subsequently sold the underlying property to a third party via a XXXX XXXX Deed for {$190000.00}. When I submitted a formal request to PNC Bank for a full GAAP accounting, a complete corporate transactional ledger, and an explanation of how the {$190000.00} third-party sale proceeds were disseminated ( including a calculation of any potential surplus due to the trust ), PNC failed to provide the ledger. Instead, PNC issued a correspondence dated XX/XX/XXXX, admitting that they " instructed the consumer reporting agencies to delete the trade line '' completely from my credit files. Deleting the historical tradeline does not absolve the bank of its regulatory obligation to provide an accurate, legal financial accounting under the Real Estate Settlement Procedures Act ( RESPA ) and Truth in Lending Act ( TILA ). PNC is using trade-line deletion as an evasive measure to mask severe backend accounting mismatches that span from {$150000.00} to {$190000.00}.

Company response to consumer: Closed with explanation