To (hopefully) bring a close to the ongoing saga of Schroeder vs. PNC Bank, I checked our credit rating with each of the three big credit score companies last week.  All is well, so I’m satisfied with the result of my efforts.  I am, however, still a little resentful that PNC didn’t simply correct their failure to file our paperwork, choosing instead to file a $50 lien against our house and report us as delinquent to the credit score companies.  Would you believe that $50 reported delinquency took 125 points off our credit rating?!

After eight weeks of being nice and trying to work things out with PNC, on February 16, I reported them to the Federal Reserve, to the Missouri Attorney General, and to the Channel 4 investigative reporter.  Channel 4 responded within an hour, the Fed responded in three business days, and the Missouri Attorney General sent us a letter on May 18 (very timely–not!) to say they had forwarded my complaint to PNC and were awaiting a response.

PNC had already met the Fed’s deadline for action on April 11, so the Attorney General’s action reached PNC more than a month after official resolution of the problem.  This apparently irritated Andrea, the PNC Executive Client Relations Representative in Pittsburgh.  Today we received a letter from her with copies of:  her February 29 response to us saying she is happy to correct PNC’s error for us; her April 11 response to the Fed describing how her mess will be cleaned up; and her May 27 response regarding the Attorney General’s investigation.  

The May 27 letter includes the phrases “PNC previously responded to your complaint,” “I have enclosed copies,” and “Thank you for allowing me to clarify.”  The letter is very polite, but obviously has an undertone of disgruntlement.  Well, too bad, so sad.  I can’t help it the Attorney General took so long, and I was pretty frustrated myself for the eight weeks I tried to play nice with PNC.  How does it feel to be on my end, Andrea?