Consumer complaint received 2023-05-26
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Subject : Complaint Against PNC Bank for Violation of Consumer Rights and Failure to Protect Against Fraudulent Activities and Items not received.

Dear Sir/Madam, I am writing to file a formal complaint against PNC Bank regarding their egregious mishandling of a series of disputes that I filed in XX/XX/2019. I am deeply dissatisfied with PNC Bank 's response and their failure to protect my consumer rights in the face of fraudulent activities. I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter promptly. 

In XX/XX/2019, I approached PNC Bank seeking assistance in recovering funds that were fraudulently charged by a company for purchases that were never delivered. I provided PNC Bank with a substantial amount of evidence, including incriminating emails from the fraudulent company, text messages, incomplete credit card refund receipts indicating the merchant 's admission of owing refunds, and explicit messages from the merchant instructing me to initiate chargebacks as a means of recovering my funds. Furthermore, I highlighted instances where the merchant resorted to coercion, threatening to sell the purchased items to other individuals if I did not send additional money. 

Despite my efforts to provide comprehensive evidence, PNC Bank neglected to conduct a thorough investigation into the matter and instead violated my consumer rights by disregarding obvious facts. As a loyal customer who has spent over {$10.00} million on PNC Bank 's cards without any previous incidents, I expected to be treated fairly and have my claims properly evaluated. Regrettably, PNC Bank unjustly assumed my role as the " bad guy '' in this situation, shutting down the cases against me and allowing the fraudster to continue their deceitful activities. 

When I approached PNC Bank seeking clarification on why the merchant consistently won these cases, PNC Bank evaded responsibility by claiming an inability to judge the merit of the case. Concurrently, they permitted the merchant to utilize outdated tracking numbers that did not correspond to the purchase dates. Additionally, PNC Bank allowed the merchant to employ the same tracking numbers across multiple cases, despite the significant time disparities. Furthermore, the merchant provided tracking numbers indicating a package weighing only 1 pound, while the corresponding invoices clearly documented purchased items weighing well over 20 pounds. Despite repeatedly highlighting these blatant manipulations by the merchant, PNC Bank chose to persist in violating my rights and neglecting their duty to protect me as a customer.

In a distressing turn of events, after opening multiple chargebacks and disputing PNC Bank 's findings, I was advised by PNC Bank to litigate the matter, with the assurance that if I could prove in a court of law that I had been scammed and had not received the purchased goods, they would then provide the necessary protection. I heeded their suggestion and pursued legal action, successfully presenting my case in federal court. The jury 's verdict unequivocally found the scammers guilty of breach of contract and fraud, as they failed to ship the merchandise I had purchased. However, upon returning to PNC Bank with the court 's verdict and requesting the reopening of the chargebacks, my rights were once again violated as PNC Bank refused to comply. 

In light of these troubling circumstances, I demand that PNC Bank immediately reopen my chargebacks and, in light of the jury 's verdict, honor my claims. The evidence presented in court and the subsequent jury 's findings validate the validity of my claims beyond any reasonable doubt. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and thoroughly investigate PNC Bank 's actions, ensuring that my consumer rights are protected and justice is served. I kindly request your active monitoring of this case

Company response to consumer: Closed with explanation