Consumer complaint received 2023-09-06
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:
On XX/XX/XXXX a transaction on my bank account for the amount of {$590.00} was still pending at the time but posted on XX/XX/XXXX for XXXX XXXX XXXX  XXXXXXXX XXXX XXXX which was an online purchase with my bank account and all my information. I have never even been to the amusement park nor do I like roller coasters. This purchase was not done by me. I got a notification from my bank stating my bank account is overdrafted at the time I did not have much money in the bank so on top of the {$590.00} charge. I was also charged a {$36.00} overdraft fee. I immediately called PNC bank to let them know I did not make that charge. The customer service rep told me they were temporary, reverse the charges and start an investigation. There was nothing more I needed to do unless I heard back from PNC Bank requesting more information. 
A little over two months later I receive a letter from PNC dated XX/XX/XXXX and it was XX/XX/XXXX when I actually received a letter, the letter was dispute. Investigation is complete, and they had denied my dispute and said that I was at fault because the information on the transaction matched my information. The previous credit was reversed on my bank account so the money was pulled back out of my account {$590.00}.

And then call PNC Bank to explain everything from start to finish and explain once again I did not make the charges nor did anyone have consent to use my account! The customer service rep was very helpful and said he was going to dispute the dispute but that did not work because the money was pulled from my account that same day!

PNC Said the transaction was valid because the tickets are in my name and XXXX XXXX  checks ID to match the tickets at the park entrance. 
PNC suggested I check my email to see if there was any emails from XXXX XXXX  because I explained the email they used is one I do not use, its basically for junk emails. 
We ended the call and I checked my email and there was 2 emails from XXXX XXXX. One was the order confirmation and the other was a thank you for visiting email. The email confirmation / receipt Which was two admission passes {$60.00} each to XXXX XXXX XXXX, XXXX each which is the front of the line pass to meal dining deals. Whats your {$41.00} each one all day drink bottle which is {$22.00} and preferred parking for {$45.00} so it this point Im very take him back and confused!!! 
And then decide to call XXXX XXXX  and ask them about the purchase to see if they can tell me anything that might bank didnt. 
I spoke with XXXX and we were talking about the purchase, and she asked me if I wouldve use the tickets whose names wouldve been on them? I told her myself and my husband which our names are XXXX and XXXX XXXX and then stated that those were not the names on the tickets and on the confirmation email they spelled my name with an XXXX  and I dont use an XXXX  in my name. 
XXXX then says I need to call your bank and give them this info. The XXXX XXXX  employee also stated that they do not check ID with one day. Admission passes only with season passes which is silly then why do they put names on it? 
So I called my bank back to let them know the new information and then I felt like that was enough proof to reverse the charges so I can get my money back and they still denied it for the second time and Im at a loss of what to do I have filed a federal commissioners identity theft report online And not sure what to do next cause theyre not giving me back my money!!!! 
I definitely did not purchase those tickets to the amusement park. 
Im literally so behind on my bills now because of all of this and my bank not having my back during a time they should be defending me! Im very disgusted and will be closing g my account with them as soon as this is all done with. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief