Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hello, I'm going to copy and paste our last conversation with PNC 's Executive Client Relations. They are refusing to delete and provide accurate information to the credit bureaus. My last payment was XXXX of XXXX. Every time i dispute the information is inconsistent and has cause damages to me. 


Hello, I have not heard back from you but just to piggyback off the email from yesterday, i dispute the reporting account again since the information that your company is reporting is incorrect. This is not the last late payment and now you guys are falsely reporting. Where are we at with this issue? this needs to be taken care of immediately! 



XXXX image On Thursday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, In order to ensure we are both on the same page, below I have provided a visual for you to understand my position and your colleague inability to perform their job accurately which now has cause me damage and will now be filing a fair credit reporting complaint. I have called on XX/XX/XXXX and informed your company that you have been paid in full in XXXX of XXXX and will like for this item to be removed since it has now reached its XXXX years SINCE ITS LAST LATE PAYMENT DATE not LAST PAID DATE. 

I have also written your company a goodwill letter seeking for you guys to have compassion and to kindly remove this tradeline from my credit report since it was a extenuating circumstance and would like to provide for me family again and in order to do so, i need to increase points on my credit in order for me to obtain an apartment or house. However, your cold blooded and non-compassionate heart rejected my request and asked me to suck it up and follow a law that doesn't states that you can not do this. Many creditors have deleted tradeline as an agreement after PAID IN FULL. Your company has punished me enough and i had to wait XXXX years in order for you to disappear from my credit and for me to share my story in social media on how PNC treated me and how cold hearted this bank is. If a bank could seek a handout/ bailed out during their hard times using our federal tax dollars but when we the public needs one, you guys refuse!!! you are not deserved thy of any one business due to your lack of compassion. 

I disputed this item with all 3 credit bureaus to come to a result of someone with a pea size brain again rejected my request because they are so ignorant on the status. Therefore, I have provided you a screen shot below and to show you proof of how you cause me damage. Your failure to properly have someone capable to do their job correctly by being educated to understand this. The federal Fair Credit Reporting Act ( FCRA ) says how long specific types of information can be part of a credit report. Most information about delinquencies can show up on credit reports for XXXX years from the first missed payment. So please help me understand why your company returned with date of deletion of the year XXXX. You guys have not only change the date XXXX but per your records you provided XXXX that the last late payment was XX/XX/XXXX! SO, LETS DO THE MATH ..., XXXX XXXX XXXX year XXXX XXXX year XXXX XXXX year XXXX XXXX year XXXX XXXX year XXXX XXXX year XXXX Is this induvial so despicable but the question is, you hired a person who clearly can't do math and perform a job that is now a liability to your company because with this information you are now in violation of the fair credit act and now, I could sue you for damages since this cause damages to me. 

I've have attached a copy of a letter that i emailed your company and another person send me a secure email without a password. Worst, I'm not longer have access to a portal. So, who is conducting the hiring process and how is this not a common sense? 

I demand you to forward this to its correct department and delete yourself from my credit report immediately. 

Thank you, XXXX XXXX XXXX image On Thursday, XX/XX/XXXX at XXXX AM XXXX, XXXX XXXX XXXX wrote : Hi XXXX, Sorry I missed your call and email. Once you have a few minutes please call me at XXXX. 

Thank you, On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX wrote : Hello XXXX XXXX, Connecting with our customers is very important to us. A concern was recently brought to the attention of PNC Bank Executive Client XXXX, for priority handling and oversight. 



I would appreciate the opportunity to discuss your concerns. My office hours are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. You may reach me at XXXX. 



Please be advised that this is an unsecured form of communication. In efforts to protect your privacy respond only with general information. I look forward to speaking with you. 



PNC Reference : XXXX Sincerely, XXXX XXXX XXXX. 

PNC Bank Officer, Executive Client Relations XXXX ( Office ) XXXX ( Toll Free Office ) XXXX ( Fax ) XXXX XXXX

Company response to consumer: Closed with explanation