Pnc has changed the terms of my fixed rate auto loan and then lied about it. They have lied so many times saying they did not recieve a payment when my bank says they cashed the check... Then threatening me to give them additonal payments or they will repossess the car. It is constant.
The whole point of getting a fixed loan rate is that it is fixed! Pnc changed my monthly loan amount and the payment due date. And then sent new payment coupons that state it is not late until after the 15th of each month, but they charge a late fee after the 5th and report is as late to credit bureaus, and of course, add on their late fee on the 5th. My loan was fixed, and due on the 15th of the month, now i get charged a late fee if not paid by the 5th.
I called to ask them, why do i need new coupons if you haven't changed the loan and they would not give me a straight answer. Then they tacked on a $20/mo fee claiming i did not have car insurance so they attached a fee to provide car insurance on the loan (my car has never had lapsed coverage and i sent them the declarations page several times to prove it). Then they said i could call the insurance department to get the extra money charged each month back, and that department told me they had never once charged my loan or account for any insurance.
So... Not only did they change my fixed loan, fixed rate and terms of my loan, they tacked on a $20 fee on top of my regular car payment that no one will tell me what is for or gives me a run around to another department claiming another pnc dept. Is responsible for the added fees. Round and round she goes. No one can tell me why i have to pay an extra fee and every time i call i get a different rep that lies about it some more. When i made a regular car payment and didn't pay the mystery $20 added fee on a late car payment, they said i was $20 short that month and used it to reposess my car.
What it comes down to is this. Pnc paid a repo co. $345 to reposses my car in the middle of the night when it should not have been reposessed - so they could charge me $2000 to get it back (when less then $400 was owed) - all greed and bad, crooked practices! Pnc sucks. I will do whatever i have to to refinance my car. I will never bank or do any business with pnc ever again. Pnc employees crooks and liars.
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