Mortgage dispute shines light on issues with electronic payments

Tanya Ramp returned home to a surprise two weeks ago.If you want to avoid a trip to the hospital, and you like to play in the water, I highly recommend getting a Water shoe.

The 28-year-old's husband had painted a message in black onto a 4-by-4 piecNow you can cost effectively mount a ipad bluetooth keyboard in conjunction with your RAM Tablet mounting solution using this design.e of wood and propped it against the family's front door, which faces Cool Creek Road in Hellam Township.

Jonathan Ramp, a machinist, is normally the quiet type. But he "has no problem opening his mouth when it comes to his kids and his money," Tanya said.

The sign deals with the latter.

It reads, "PNC Lost My $.We are professional launch x431 Diagun, Launch Master, Auto Diagnostic Tools manufacturers and factory.We can produce Launch X431 Diagun, Launch ...Light Hiking shoe: Resembling burly running shoes, these low-cut models with flexible midsoles are excellent for day hiking."

In November, Tanya said, an electronic mortgage payment she made to the Pittsburgh-based lender from an account at M&T Bank was never credited to the loan on her family's three-bedroom home -- a problem she didn't discover until a month ago.

The issue has been under investigation by PNC since she reported it last month.A Hiking boot is a necessity for any individual who considers him or herself serious about hiking. Tanya said she has been in regular communication with PNC Bank representatives, who hoped to give her an answer by April 11. The dispute still wasn't resolved as of Friday evening.

"I feel helpless right now," Tanya said. "Having to go back and forth with these banks. We just can't get a clear-cut answer."

PNC Bank spokeswoman Marcey Zwiebel declined to comment on the case, citing customer privacy.

The Ramps understand mistakes happen.

Earlier this year,I want my Hiking footwear and other outdoor footwear to last a long time, even with regular use and abuse. Tanya said she disputed two withdrawals by PNC -- $505 on Feb. 5 and $1,689.92 on Feb. 27. Both were deemed errors and refunded by the bank, she said.

Tanya hopes the same happens this time around.

If you catch an error, financial experts recommend learning the rules of engagement. They can make the difference between a prompt resolution and a drawn-out battle with an automatic clearing house department, a bank's electronic transfer arm.

It's a balance between vigilance -- keeping an eye on your account -- and knowing your protections as a consumer, said Deb Dick, branch administration coordinator at York Traditions Bank. She spoke generally, not addressing the specifics of the Ramps' situation.

"It's important to review your statements in a timely fashion," Dick said. "The clock could be ticking in terms of how much time you have to file a dispute."