Consumer complaint received 2018-02-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've been a PNC customer since XX/XX/XXXX, and I've never had a issue until now. I am a student and I receive financial aid checks from my college. I had 2 checks deposited in my account by my university, one for XXXX and another one for XXXX, both on XX/XX/XXXX. This is where the issue begins.From the dates of XX/XX/XXXX to XXXX, XXXX XXXX, purchases were made with my card without my authorization. 

I have no idea how this occurred since only I have access to my account. Even when I would give money to family, I would personally withdraw the money myself and give it to them. Throughout this period of unauthorized purchases being made, I did not log in to view my statements since I had lost my password, and getting my account back was something I often procrastinated about. This bank has never given me issues, so why should I worry, right? I deeply regret this now. 

Around XXXX, I noticed that my account balance was off, like WAY off, to the amount of hundreds of dollars. I contacted my local branch manager, and managed to sort everything out, or so I thought. He carefully looked over the charges, and even agreed that my information had been compromised. I was told of charges to stores I've never shopped at, in towns and cities I've never even been in. My information had been used to buy nonsense such as popcorn, fruit baskets, and XXXX, to even sketchier dealings such as packet shipping, which deeply worried me. I didn't want to be implicated with something I did not do. The charges were multiple, but they were small amounts such as under {$20.00}, so I didn't notice right away, it wasn't until XX/XX/XXXX, when XXXX dollar purchases were made, that's what got my attention. 

Anyways, I was told a investigation would be done and in the mean time, I would have my account credited. I was satisfied. According to my bank statements, I was credited for a total of XXXX for XXXX fraudulent charges on my account. I was also given a new debit card. 

In XX/XX/XXXX, I log in to view my bank statements, and I'm shocked to find that on XX/XX/XXXX, 4 of the provisional credits had been reversed. The amounts are XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, I had XXXX accredited to my account again. I went to my local branch manager to see what was going on, and was told that the investigation was still ongoing so I would have to give it some time. It's already XX/XX/XXXX now, and nothing has happened. That is until XX/XX/XXXX. I log in again, and found that the XXXX credit which they have given me, then removed and given me again was removed ... again. I also get a letter in the mail telling me that their investigation was over and I was still going to get charged XXXX. No mention of the other missing money I am owed. 

This put my account into overdraft and I had to deposit {$80.00}, which I had put aside to buy a textbook for school and pay my phone bill, into this PNC account, in order to put my account into the positive again. I can't simply afford to take money that I need for my schooling and deposit it, when PNC decides to get finicky and take away provisional credit that were given to me, due to the fact that MY money was stolen. I'm a student and I barely get by, I don't need to stress over the fact that my money was already stolen and my information was probably used to do something illegal and dangerous. I also have to take money that I have to make up for the mistakes of PNC, which is unacceptable and ridiculous. 

I'm a person living in the real world. The real world has BILLS which I am unable to pay due to PNC. I'm disgusted and deeply unsatisfied with the way PNC has handled this issue. Telling someone to " wait '' months for investigations that yield NO results is despicable. Should I also tell my rent, phone, and textbooks to " wait ''? I don't think so ...

Company response to consumer: Closed with explanation