When our home equity loan from National City Bank was taken over by the PNC/National City merger we were told that we lost the benefit of re-setting this loan which was something we could do through National City for a fee of $50.00 as often as we wanted (as the prime rate decreased it was beneficial to re-set the loan occassionaly). Now, under PNC, I have been told that this option no longer exists and when loan is due in full in (x) amount of years-you can not re-set, you must pay in full. Several different reps told me this and then one told me not true that I should write a letter. I did that and it was ignored.

Late fee has also gone way up, our due date changed without notice. Does this sound strange and wrong or is the uneducated consumer just out of the loop and out of luck? 1298883



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