Product: Checking or savings account

i was fraudulently charged twice by a merchant of {$20.00} and {$26.00} totaling {$47.00} on XX/XX/2022, i filed a dispute with PNC bank on XX/XX/2022 stating i did not authorize those charges. during investigation they gave me a provisional credit for the charges. once they completed their investigation and without notice asking me for further information they sent me a letter stating one of the provisional credit of {$26.00} would be reversed due to them finding " no error '' in the second charge. thus causing my account to be overdraft into the negatives of $ XXXX on XX/XX/2022. this negative charge caused my account to be overdrawn in which i reached out to PNC multiple times to resolve the issue. on XX/XX/2022 i spoke with 3 different representatives trying to resolve the issue. during that time i was put on hold for over 30 minutes and hung up on by XXXX a PNC representative without receiving a resolution. once hung up on i called right back to their customer service team and XXXX another PNC representative told me she would transfer me to escalation supervisor, as i waited she explained no one was available and i would receive a call within 1 hour and if not i could call back. i never received a call on XX/XX/2022. XX/XX/2022 i called again and explained to XXXX a PNC representative that i never received a call she explained to me no one ever put in a call or appointment for escalation for me and stated also my " account was being put into CHARGE-OFF status due to the overdraft of the account. this was the first time i had heard and received notice of any kind that my account was pending charge off status. i explained that this was the first time i heard of my account pending charge off and she submitted a complaint for me stating i should be receiving a call in 24-48 hours. within that time a supervisor contacted me on XX/XX/2022 stating she would resend the dispute on my behalf during the call i got hung up on again before receiving confirmation of that process. i called right back trying to get reconnected and was told no notes had been taken during the call, at that time i was told another escalation would be sent resulting in another call being made within the next 24-48 hours. on XX/XX/2022 I received a call after XXXX which was a very inconvenient time for me and told the representative of PNC to please call within the reasonable hours of XXXX and XXXX. on XX/XX/2022 i received a call to help resolve my dispute and was told they will refile my dispute and would receive a notice within 10 business days. i asked since their investigation was inadequate and caused the overdraft could they reverse the charge off status on my account. i was told since it was reaching 50 days of overdraft on XX/XX/2022 that i could not get an extension. thus i had a complaint and more questions and was transferred to PNC 's charge off department. once transferred i was greeted by XXXX stating they are attempting to collect a debt and i have until XX/XX/2022 to pay them or my account would be closed without my permission, thus causing me distress and ruining my reputation which is illegal pursuant to 15 usc 1681 s-2, and being willfully non compliant ( 15 usc 1681- n ( 1 ) ( 4 ) )