Reply
Established Contributor
Posts: 540
Registered: ‎01-09-2008
0

Wow I was just threatened by a PNC Bank REP - Gotta read this!

So I call to make my car loan payment and the rep is very rude to begin with.  Im still within my grace period as of today but the payment wont go through till tomorrow.

 

The rep begins to ask me personal questions and asked why I was late.  I told him I had missed work I was sick for 4 months.  He began to ask me even more questions,  I said 'Sir ive explained to you everything and Ive made my payment"    So he says if I dont answer his questions hes going to have my car reposessed tonight???  Can they do that?  Im not even past 30 days **bleep**? Ive tried contacted several managers and all they say is thats not possible he cant send someone out.  Ok but he threatened me with this and had me worried.

 

What can I do?  The managers just seem to not want to deal and give me off to another manager.

 

Please advise

 


Starting Score: 501
Current Score: EQ609/TU630/EX665
Goal Score: 700


Take the FICO Fitness Challenge
Valued Member
Posts: 39
Registered: ‎09-11-2011
0

Re: Wow I was just threatened by a PNC Bank REP - Gotta read this!

[ Edited ]

nope they cant do that... the guy was just being [mod cut] to you

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Wow I was just threatened by a PNC Bank REP - Gotta read this!

I suppose it depends on your contract and your state's laws. In my I-don't-care-about-credit days I signed two car contracts which both had a 10-day default clause. In other words, if I was 10 days late, they can come and repo if they wanted to. My state law had no provision blocking that from happening. I was late almost every time on one contract and despite being only 30-days late, they did take the car, though in fairness to them I was late more than half the time all the way up to 90 days late.

 

Will it happen? Odds are virtually zilch if you are beyond your due date and zero if you are not late now. He was being a jerk. I'm sure they have hundreds of outstanding contracts with folks being 30+late as we speak. They'd have to contact a towing company and they'd have to get it and it can potentially take days for that to occur. You also made a payment and an argument can be made that you paid today vs. tomorrow. Don't sweat it.

 

If super worried, you can file a complaint to that manager's manager.

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Wow I was just threatened by a PNC Bank REP - Gotta read this!

I'd file a written complaint, log the time/date you called (They say they are recording those calls, let's see if they are) and complain.  Oh Big Car Company Guy who takes phone payments!  He's so cool.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.