Consumer complaint received 2023-07-24
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023. I miss placed my card after paying for some thing at a restaurant I realized I left my card so I went back in and they handed me my card after going back to the restaurant which was XXXX XXXX and XXXX Michigan few days later XX/XX/XXXX my card was stolen. I filed a police report gave my financial institution which is PNC bank a copy of everything that they possibly needed. I did everything on my end. I disputed the charges they gave me a new card but they keep denying the claim it has been multiple charges it has been charges made in areas that I dont live in I live in XXXX XXXX it was a charge made in XXXX for {$700.00}. I dispute the transaction quickly. They have denied my claim at least three times. My account is overdrawn. I am one month late behind on paying my mortgage. Ive had multiple people to try and help me and XXXX me money in my account for me to be able to pay a bill they took the money because my account is completely overdrawn because they reversed, the claims with the charges I did not make it was another charge for XXXX for a hotel. I did not stay at. I filled out the paperwork and sent everything to them as well as the police report. They denied every single claim and now at this point, they are threatening to close my account due to it being overdrawn, I dont want to go into foreclosure I just want my money put back in my account I did not make the charges. Ive stressed this to them. Multiple times I spoke with bank managers I spoken with everyone I possibly can. Everyone keeps telling me it can take up to 90 days, I dont know what else to do if my purse phone everything was stolen I dont even have my car. My car has been broken and unable to get fixed due to lack of funds. I did not make that trip to XXXX all the credits that they issued me they reversed, which put my account in the negative. For XX/XX/XXXX it was a charge made in XXXX Ohio. For XXXX I dont live in XXXX Ohio . My bank at this point is allowing whoever stole my card to get away with it at this point I just want my money back and I just rather close the account and go to another bank but I just need my money back immediately. I do not want to go through a foreclosure. Its almost the first of the month which means I will be two months behind on my mortgage. The bank said to me the reason why they denied the claim is because I used my card that day. It dont make sense. Its my debit card. Of course I used my card that day up until it was stolen so it just dont make sense the reason for them denying me my money I received a XXXX I received money. I went to the ATM and withdrew {$200.00} I had a friend to XXXX me some cash and because of that they denied the claim it doesnt make sense and I feel like my own bank is scamming me by not refunding me my money after it was stolen and a police report has been filed and now theyre trying to close my account after they denied my claims.

Company response to consumer: Closed with monetary relief