PNC Bank N.A. Complaint

PNC Bank N.A. Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Michigan

I have/had a student loan through PNC Bank, - ( - - - ) was servicing the loan for my time at The School -. I was admittedly behind on my balance, I 've been unemployed for the past 3 years, I 've had issues with all of my loans, my government loans have all been put on hold because of my unemployed status. I made a payment of $300.00 on -/-/-. I received a letter from an assumed collection agency dated -/-/-. this means it was sent to collections before the end of the month and therefor before it met the charge-off threshold. After I started the dispute process with the presumed collection agency, I began to think about this and realized something was not right : I was NEVER contacted by PNC or -, by post, that my loan was going to go into charge off. They could have tried calling, I

When I began to investigate this I found there was a severe inconsistency between my credit reports and what I know to be true, - states my last payment to PNC was on -/-/-, and - says its -/-/- when like I said it was -/-/-, I would have paid it again but I could n't because it was no longer there. In fact according to my credit report my account was closed in -/-/-. I was completely unaware and thus I have become very confused. Where did the payments go that I made after that assumed time? I complained about PNC before, about this loan actually, and was told at that time it was the last time they would help me, so that 's why I never contacted them when I became ultimately behind this time ( case number - ). As stated above and I am reiterating : I 'm currently disputing it with the presumed collection agency - - - - , - ).