Consumer complaint received 2022-04-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX I posted something for sale on XXXX XXXX for {$300.00}. 

XXXX XXXX I was contacted by an individual to buy this item and said she would send me {$300.00}. She said she was getting it for her daughter and wanted to know about the conditions. 

XXXX XXXX the buyer asked if I had XXXX through my bank and I said yes and gave her my email and phone number associated with my account. 

XXXX XXXX she stated she sent the money so I checked my account and I did not receive the money. She stated that she received an email from XXXX that I had to increase my intake limit and that I shouldve gotten an email as well. I went to my email and I did have an email from XXXX stating that I had to increase my limit. In order to do this the buyer had to send me {$500.00} and I would have to send it back. So I did this. And then received another email from XXXX stating that the buyer accidentally sent the amount of {$500.00} twice so I had to send another {$500.00}. I then did this. I received another email from XXXX stating that there was an internal server issue on my end and the money should be available in my account the next day. 

XXXX XXXX I had not received my money. I called my bank and they stated that there is no limit on how much I can receive through XXXX. At that moment I knew I was scammed. I filed a dispute with my bank, PNC. 

XX/XX/XXXX @ XXXX : filed dispute with my bank, PNC XXXX 

XX/XX/XXXX @ XXXX : called PNC to check on the dispute XX/XX/XXXX @ XXXX : called PNC again XXXX 

XX/XX/XXXX @ XXXX : called PNC again to find out that my dispute was denied and closed. They stated that I authorized this transaction. I opened the dispute again as I was scammed and did not authorize the charges. 

XX/XX/XXXX @ XXXX : called PNC again with no solutions. 

XX/XX/XXXX @ XXXX : called PNC again with no solutions. 

XX/XX/XXXX @ XXXX : called PNC again to find out thatd my dispute was denied again. I asked to speak to a manager and was told I would be contacted within 24-48 hours. 

XX/XX/XXXX @ XXXX : after 72 hours I was contacted by a case manager, not an actual manager. I explained that I looked up my rights and I should be protected under regular EXXXX She was very incompetent, unhelpful, and not empathetic towards my situation. She did not even know what XXXX was. I asked to speak to a manager again. I still to this day, XX/XX/XXXX, have not heard from a manager. 

XX/XX/XXXX : I filed a police report for the scamming. 

XX/XX/XXXX @ XXXX : called the case manager back. During our previous phone call, she gave me her direct line. When I called that was in fact not her direct line. I was given the run around again and never got to speak to the case manager or manager. I opened the disputes again. 

XX/XX/XXXX : have not heard anything from PNC bank. 

Regulation E protects individuals and our basic rights for sending funds electronically. Given my situation, I have read that the CFPB thinks I should be protected under Regulation E. My bank, PNC, has not protected my rights and they have not done their jobs correctly. I need someone to advocate for me. I lost {$1000.00} and the way I am being treated isnt fair.

Company response to consumer: Closed with explanation