Consumer complaint received 2023-04-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XX/XX/XXXX bank statement had several unauthorized transactions on my debit card listed with the greatest amount of {$980.00}. XXXX occurring on XX/XX/XXXX. On XXXX XXXX I called the customer service of PNC bank to file disputes on the unauthorized transactions. The PNC customer service representative assisted me in identifying the unauthorized transactions. She filed the disputes for me on the phone and also issued provisional temporary credits and reversal of insufficient funds fees that had been debited as a result of the unauthorized withdrawals. She had me identify transactions dating back to XXXX, XXXX. I know that the banks will not consider disputes if they are not notified of the fraudulent transaction within 60 days of the date the unauthorized transaction is first noticed. I did ask the customer service rep about this, since the oldest of these unauthorized transactions occurred more than 60 days from the date I was disputing them, which was XX/XX/XXXX. The customer service rep told me there was no problem and each dispute would be considered by itself whether it was affected by the 60 day policy. I was most concerned about the more recent transactions that had been done within that 60 days. I received letters from PNC Bank 5 days later that allowed most of the transactions that were unauthorized but they denied the dispute for the {$980.00} which had occurred a week earlier in XXXX Pennsylvania. I went in person to a local branch to discuss why the {$980.00} debit and an unauthorized transaction that I had filed a dispute on was denied. The bank teller at the local branch made a phone call to the main office in Pennsylvania of PNC Bank. He asked why this dispute for the individual unauthorized transaction of {$980.00} was denied. He could not do anything else for me except file another dispute for that amount of money. I did not initiate that transaction I have never been to XXXX Pennsylvania and the payee on that transaction was XXXX parking. Also my debit card had not been stolen or lost and I had not given the information to anybody the card has been in my possession the whole time. This was a fraudulent use of my debit card information and my account that resulted in a {$980.00} withdrawal of my money. The second dispute that was filed that day at the bank the local branch was also denied without a reason given and the money in the amount of {$980.00} was it was again debited debited from my account. I have spoken with the retail services department of PNC Bank which is located out of state to understand and to ask why this money is not going to be returned to me I was informed that the money will not be returned to me because it was reported more than 60 days prior to the unauthorized transaction, even though the transaction occurred on XX/XX/XXXX and I reported it originally on XX/XX/XXXX to PNC Bank the fact that several transactions back in XXXX of XXXX and XXXX of XXXX were included in the disputes that I filed on the phone that evidently affected ones that were being reported in a timely manner. I am unsure of how to proceed as I do need that money restored to my account and because it's out of state I can not file a police report of the theft locally. Pnc bank retail services department representative advised me to contact the payee XXXX Parking to see if they will reimburse me. I will do that but highly doubt they will be concerned with returning the money.

Company response to consumer: Closed with explanation