Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: PNC Bank N.A.
State: LA

Complaint narrative:
XXXX XXXX XXXX ( B ) ( XXXX ) ( U ) English Proficiency Requirements ( CT : XXXX ; XXXX ) a. ( U ) In General : XXXX XXXX ( a ) ( XXXX ) ( C ) ( XXXX ) gives the XXXX XXXX XXXX XXXX XXXX  XXXX, in consultation with the XXXX XXXX XXXXXXXX, the sole authority to set the level of competence in oral and written English appropriate for all health care fields in which the applicant will be engaged. Individuals who seek to meet the English language requirements will be required to do XXXX of the English language tests mentioned in XXXX XXXX XXXXXXXX ( B ) ( XXXX ) paragraph c. 
b. ( U ) General Exemption for Certain Individuals : According to 8 CFR 212.15 ( g ) ( 2 ), applicants who have graduated from a college or university of professional training school located in XXXX, XXXX ( except XXXX XXXX, XXXX, XXXX XXXX, the XXXX XXXX, and the United States, are exempt from the XXXX language requirement. 
XXXX ( XXXX ) Approved English Language Tests for Certain Healthcare Workers : The HHS has approved the following tests as acceptable English language testing systems for health care workers certification in certain occupations : ( XXXX ) ( U ) XXXX XXXX XXXX ( ETS ) ; ( XXXX ) ( U ) Test of XXXX in XXXX XXXX ( XXXX ) XXXX XXXX ; and ( XXXX ) ( U ) International XXXX Language Testing System ( XXXX ). 
XXXX ( XXXX ) Passing English Test Scores for Certain Healthcare Occupations : ( XXXX ) ( U ) Occupational and physical therapists : An applicant seeking to join the labor force in the United States as an occupational or physical therapist must pass a test administered by XXXX. The certifying organizations shall not accept the results of the TOEIC or the XXXX tests. The applicant must obtain the following scores on the XXXX tests administered by ETS : ( a ) ( U ) Test of XXXX as a Foreign Language ( TOEFL ) ; ( b ) ( U ) Paper-Based XXXX ; ( c ) ( U ) Computer-Based XXXX ; ( d ) ( U ) Test of Written XXXX ( XXXX ) : XXXX ; and ( XXXX ) ( U ) Test of Spoken XXXX : XXXX. 
( XXXX ) ( U ) Registered nurses and other health care workers requiring the attainment of a baccalaureate degree : An applicant coming to the United States to perform labor as a registered nurse ( other than a nurse presenting a certified statement under XXXX ( r ) of the Act ) or to perform labor in another health care occupation requiring a baccalaureate degree ( other than occupational or physical therapy ) must obtain XXXX of the following combinations of scores to obtain a certificate : ( a ) ( U ) ETS : XXXX : Paper-Based XXXX, Computer-Based XXXX, TWE : XXXX ; XXXX : XXXX ; ( b ) ( XXXX ) XXXX XXXX XXXX : XXXX : XXXX ; plus XXXX : XXXX and XXXX : XXXX ; or XX/XX/year>, XXXX AM XXXX FAM XXXX ( U ) INELIGIBILITY BASED ON INADEQUATE DOCUMENTATION OF QUALIFICATION - XXXX XXXX ( A ) ( XXXX ), XXXX XXXX ( A XXXX (... 

https : XXXX # XXXX XXXX ( c ) ( XXXX ) XXXX : XXXX overall with a spoken band score of XXXX. This would require the academic module. 

( XXXX ) ( U ) Occupations requiring less than a baccalaureate degree : An applicant coming to the United States to perform labor in a health care occupation that does not require a baccalaureate degree must obtain XXXX of the following combinations of scores to obtain a certificate : ( a ) ( U ) ETS : XXXX : Paper-based XXXX, computer-Based XXXX ; TWE : XXXX ; XXXX ; XXXX ; ( b ) ( XXXX ) XXXX XXXX XXXX : XXXX : XXXX ; plus XXXX XXXX and XXXX : XXXX ; or ( c ) ( XXXX ) XXXX : XXXX overall with a spoken band score of XXXX. This would allow either the academic or the General module.

Company response to consumer: Closed with explanation