Ratulowski v. PNC Bank, N.A.

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF INDIANA HAMMOND DIVISION VINCENT I. RATULOWSKI, on behalf ) of himself and all others similarly ) situated, ) ) Plaintiff, ) ) v. ) Cause No. 2:22-CV-004-PPS-APR ) PNC BANK, N.A., d/b/a PNC AUTO ) FINANCE, ) ) Defendant. ) OPINION AND ORDER Plaintiff Vincent Ratulowski claims that PNC Bank knowingly collects and unlawfully retains unearned insurance fees that are sold as an add-on to automobile finance agreements. He brings three claims: one for breach of contract; a second under an obscure equitable concept known as “money had and received”;…