Getting Calls About Your PNC Bank Student Loans?

Consumers who are receiving debt collector calls regarding their PNC Bank student loan may be able to take legal action under FDCPA.

What is a PNC Bank Student Loan?

PNC Bank offers several private student loan options, including undergraduate loans, graduate loans, professional loans, and educating refinancing.

“We are dedicated to helping you advance your education,” PNC Bank’s website states.

Is PNC Bank Allowed to Call You About Your Student Loan?

In some situations, PNC may be able to call you about your student loan – possibly looking for payment. However, the company is required to follow debt collection regulations set by the federal government.

How Does the FDCPA Protect You From Unwanted Debt Collector Calls?

Under the Fair Debt Collection Practices Act (FDCPA), debt collector calls are regulated in order to protect consumers. The following FDCPA rules must be followed by creditors such as PNC Bank:

• Only call between certain hours of the day: Debt collectors are only allowed to call consumers between the local hours of 8 am and 9 pm. Debt collector calls outside of these hours are only allowed when a consumer specifically requests them. Additionally, weekends and holidays may be considered inconvenient times for debt collector calls.
• Don’t call at work if consumers request it: Debt collectors are allowed to contact a consumer’s work, but must stop these calls if consumers ask them to cease.
• Don’t talk to other parties about a debt: FDCPA allows debt collectors to contact a consumer’s family, friends, and neighbors to get information but are not allowed to reveal any information about a debt.
• No repeated calls: Although FDCPA doesn’t outline how many calls are allowed in a day or week, it prohibits debt collectors from “causing the phone to ring repeatedly or continuously to annoy.”
• Don’t call if consumer requests it: One of the most important rules of FDCPA is that debt collector must stop calling if consumers request them to.

If any creditor, including PNC Bank, fails to follow these regulations, they may be able to take action under FDCPA.

Responding to Unwanted PNC Bank Student Loan Calls

Consumers who are being harassed through PNC Bank student loan calls have the right to ask for these calls to stop. If this does not work, consumers can report the FDCPA violations to the Consumer Financial Protection Bureau, Federal Trade Commission, and even their state’s attorney general.

If unwanted PNC Bank debt collector calls continue despite these actions, consumers may be able to take legal action. A cease and desist letter may help consumers. Should PNC Bank calls continue, consumers may be able to file a FDCPA lawsuit in state or federal court. In some cases, FDCPA lawsuits can be filed as class actions – meaning that one or several plaintiffs look to represent a large group of similarly affected individuals.

FDCPA allows for up to $1,000 for each violation, meaning that attorneys may be able to help consumers recover significant compensation through a complaint.

Join a Free PNC Bank Debt Collector Calls Class Action Lawsuit Investigation

If you received unsolicited calls from PNC Bank in connection with a loan, you may be eligible to join a FREE PNC Bank debt collection calls class action lawsuit investigation.

Fill out the form on this page for more information.

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This article is not legal advice. It is presented
for informational purposes only.