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kylieagain

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  1. Thank you, that's easy. I told them I would...they didn't need to send me a text message at 10:00 p.m. to reaffirm that I was coming in.
  2. Thank's for your response; I apologize...I realize the Cap1 part was not clear. I called them because I wanted to see if what the dealership told me was in fact true. I know they have 500 different scenarios in which they can get a deal with the lenders.... the dealer told me that Cap1 came in at a higher rate than T&D - so I went the T&D route. I wanted to verify with Cap1 the exact rate they quoted...in order to do that Cap1 asked me for the detailed info on the paperwork....which is when I realized I didn't HAVE the paperwork. Trust me, after haggling back and forth for a few hours and looking at so many different documents, it's easy to leave not realizing you don't have all the docs. There were too many unanswered questions and what I perceive to be "loose ends" so of course I am now highly suspicious. Add the 10:00 p.m. text message last night and now I REALLY have my suspicions.
  3. ok - sooo..... what does that mean?
  4. Current State: North Carolina - Purchased new Hyundai Santa Fe Sport 8/5/16 - Sorry, a little long - 8/5 Went to dealership with Cap1 preapproval letter -They said they could get me better rate...we went back and forth a few times (we had a conversation about NOT "shot-gunning"...I was planning to use Cap1 but would consider going through Hyundai Finance if I could get their "special offer")ALLEGEDLY not approved by Hyunda, but approved thru TD Auto Finance 5.44%, $1,500 Down, 72 mos with Trade-in....agreed to that offer. Car was not in the area, had to be picked up from another dealership (supposedly) 3 hours away - Drove home in my car with dealer tag. Sat 8/6 checked my reports through CCT....saw they app'd more banks then they disclosed to me 8/6 Called Cap1 and went over their offer and provided them the information on "purchased" car....which is when I realized I didn't have ANY of the paperwork (buyer's purchase order, retail installment contract, etc.) - Contacted dealership immediately and raised hell about credit pulls, not being given my signed documents, etc. We had numerous conversations - something was amiss...as they were scrambling around, told me they'd call me back, etc. I told them that I would not move forward (even though I don't know if I had any legal right to cancel at that point) if they did not immediately provide the VIN and purchase order information, which they did. Mon 8/7 - dealership contacted me to come pick up car (I did - and provided title to my trade-in). Car has temporary tag and I contacted Insurance company to change policy. FRIDAY 8/19 - voicemail from "business manager" ...."We need you to swing by to sign paperwork to finalize your deal".... WHAT???, 8/19, Notice from TD Auto Finance arrives in mail - STATEMENT OF CREDIT DENIAL, TERMINATION, OR CHANGE - "We are unable to approve your application for terms requested...however, we have conditionally approved on alternative terms which have been communicated to your dealer...please contact dealer for additional info....blah blah blah and a lot of other information. 8/19 Contacted dealership - spoke to salesman who sold me car...(I did not reveal that I had the notice from T&D during the conversation) he states...."oh yes, no big deal, just need you to stop by and "resign" the credit application (I hadn't signed a credit application in the first place). Told them I'd stop in today. 8/19 @ 9:58 p.m. I received text message from "business manager" (who does this???) ​ "Hi_____, this is _____ I received your message and thank you for getting back to me. The bank that financing your vehicle requires a diffrent form for your credit application to finalize your loan. I just need you to stop by for a few minutes to sign the credit application that they want to finalize your loan. I apologize for inconvenience. You said you can stop by tomorrow. Please let me know when would you like to stop by and I will have ______ ready to get you in and out. Thank you very much!" What on earth is going on? I need to know what to ask (or state) when I go back today.
  5. ~~Update~~ Progress to date: Transunion: All medical accounts deleted Experian: 4 of 5 medical accts deleted Equifax: Still waiting.... WhyChat, For the items that were deleted, can I expect them to pop back up again in the future? Several years ago I had a couple medicals deleted (not using your method) and eventually they made their way back....what do I do in that case?
  6. THANK YOU THANK YOU THANK YOU THANK YOU!!!!!!
  7. Thank you for the response....I performed a search for PNC here on the CB and read some of your posts....and I ALSO read some of the responses about it being long and complicated. It brought back really back memories of the battle I had with them and trust me, if I posted MY whole crazy story here, it would have made yours and "easy read". I do appreciate your responding....PNC is a joke.
  8. Where should I be posting my question?
  9. -Anyone?? Sent from my iPhone using Tapatalk
  10. Hi I'm hoping for some input on an old, AGREED Final judgement of Foreclosure situation. I've posted this in two places so I apologize for the duplication but I am hoping I'll get a little input on this situation So here we go again..... .History: State of FL 2011 I Worked through an atty to reach agreement on foreclosure. Everything was finalized October 2011....Judgement was reported for two years and then dropped off reports, however, cannot get the "closed, charged off" 'Real Estate" HELOC removed from my reports. I have all of my documentation from the property transaction including the "agreed upon final judgement". I've included exact verbiage from last paragraph of agreement. “Final Judgement of Foreclosure” "The Plaintiff, its assigns and successors, waives any and all in personam claims that it may have against defendant (….) arising from any mortgage, loan and line of credit secured by the property referenced in paragraph above, including any claim for deficiency judgment against (defendant’s name) for the property which is the subject of this final judgment." PNC continued to pursue the HELOC which I ignored as it was included in the judgement. (Is there some hidden code or message in the above statement that says, "perfectly ok to continue collection activity on HELOC and will stay on plaintiffs credit reports forever"?) I've had various correspondences from PNC, as well as some from the law firm that represented PNC in the Foreclosure proceedings. One of the more recent ones (2013) states that "this law firm has been retained to collect the outstanding balance due and owing on this account to the current creditor referenced above" (PNC). I've had a few "offers to settle my account in full" along the way and a "charged off as bad debt" letter early in 2012. In June of 2013, as the result of an Independent Foreclosure Review, I received a payment of $400.00 (wooo hooo) due to "deficient mortgage servicing and foreclosure process"...on the part of PNC...and I'm REALLY sick of this showing up on my reports as a CHARGED OFF real estate loan with a horrible history of late payments (which weren't late...they were non-existent due to the foreclosure. Can anyone help me with this?
  11. kylieagain

    PNC Heloc collection/charge-off Debacle

    Sent from my iPhone using Tapatalk
  12. Well this certainly is good news....thanks!
  13. kylieagain

    PNC Heloc collection/charge-off Debacle

    Sorry- I don't know how else to move this over from credit forum.......... tmcgill, on 08 Jun 2016 - 11:27 AM, said: 1. If the HELOC was satisfied in the judgement, what does PNC state it is trying to collect in its correspondence? According to them: "outstanding balance due" 2. What happened with you disputed with the CRA(s)? A couple of years ago...nothing, couldn't get rid of it. Currently haven't touched it yet, which is why I'm preparing to do so now, after final results of Medical Disputes. 3. FL is the state? Yes, FL (bought in 2004, lost job in 2008, fought the good fight to keep it and finally gave up 2011) My probable course of action would be to create a paper trail prior to a CFPB, state AG or bank regulator complaint. 1. Dispute with CRA(s). 2. If not removed or updated, send ITS (Intent to Sue) letter to PNC. 3. If not resolved, file complaints with: CFPB, state AG, bank regulator ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Thank you very much for your response! Specifically what reason should I be using in the dispute, as nothing has worked thus far. I will proceed with your suggested course of action as soon as I'm finished with the medical disputes. I've had various correspondences from them: some directly from PNC, some from the law firm that represented PNC in the Foreclosure proceedings (the 2nd of two firms that were involved). One of the more recent ones (2013) states that "this law firm has been retained to collect the outstanding balance due and owing on this account to the current creditor referenced above" (PNC). I've had a few "offers to settle my account in full" along the way and a "charged off as bad debt" letter early in 2012. In June of 2013, as the result of an Independent Foreclosure Review, I received a payment of $400.00 (wooo hooo) due to "deficient mortgage servicing and foreclosure process"...on the part of PNC....sorry, forgot to mention that in my initial post. So ultimately, this thing could possibly keep hanging out on my reports and just get updated every time I dispute? The last payment made on the mortgage was some time in 2011 yet they keep updating as if there has been some activity. Again, thank you for your suggestions...should this post be moved to a different forum to possibly get better visibility or additional suggestions??
  14. History: FL Mortgage 2011: Worked through atty to reach agreement on foreclosure. Everything was finalized October 2011....Judgement was reported for two years and then dropped off reports, however, cannot get the "closed, charged off" 'Real Estate" HELOC removed from my reports. I have all of my documentation from the property transaction including the "agreed upon final judgement". I've included exact verbiage from last paragraph of agreement. “Final Judgement of Foreclosure” "The Plaintiff, its assigns and successors, waives any and all in personam claims that it may have against defendant (….) arising from any mortgage, loan and line of credit secured by the property referenced in paragraph above, including any claim for deficiency judgment against (defendant’s name) for the property which is the subject of this final judgment." PNC continued to pursue the HELOC which I ignored as it was included in the judgement. Any advice (short of hiring another attorney) for how to rectify this situation would be greatly appreciated!!! P.S. Side-note, most recent reports, pulled for purposes of addressing old medical collections, has an OLD (previously removed) medical collection now being reported by PNC Bank - which I disputed per Why Chats's advice. I am still awaiting final results of latest medical disputes for Experian and Equifax.

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