Consumer complaint received 2022-11-04
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Excessive fraudulent activity occurred on my PNC debit ( checking ) account. The first amount appeared on XX/XX/XXXX when 2 orders were made to XXXX XXXX. The following day, XXXX purchases began being made at various places in California. These were slowly appearing in between my normal purchases. 
I was made aware of the fraud on XX/XX/XXXX when I saw XXXX Robo purchases made to XXXX XXXX XXXX 1 day. I then noticed numerous larger XXXX purchases, XXXX purchases, and numerous other food and miscellaneous purchases, all of which were out of state ( I live in Ohio ). 
I cancelled my card at XXXX on XX/XX/XXXX. I called the bank at XXXX and spoke with a teller for 45 min and began the dispute process. I was told to continue at a branch due to the excessiveness. I went to the branch at XXXX and was there for 2 hours. The card was put on hold and remaining funds removed. On XX/XX/XXXX, XXXX more fraudulent charges went through. Days later, I received 2 letters from PNC stating that the disputes were closed because they did not see any fraudulent activity on their end. 
I have now visited the branch 3 more times, made a number of corporate phone calls in order to speak with someone who will actually help resolve this. I have repeatedly explained the entire dispute and have not received sufficient support. I have been told this has been escalated ( 2nd time ), but have only further been told that the process will take 45-90 additional days.

Thus far, I have only received a temporary provision for 6 of the fraudulent charges. Four of them are have the exact same charge approximately 25 more times, yet the others are not being viewed as fraudulent. So far, the provisional credits total around {$200.00}, but the grand total is over {$1400.00}. 
Disputes can not be made beyond 90 days of a purchase. I feel that this is PNC 's attempt dismiss the situation and not have to take any fault. If I wait the 45-90 days, it is clear that this will be a closed case for them. However, this is my money and time. It is obvious that fraud has occurred. I have been a customer with PNC for 20 years. I only had one card to the account and have never shard my personal banking information. Please see the attached documents that clearly support my claims. 
FRAUDULENT WITHDRAWALS FOOD CHARGES {$30.00} XXXX  ( Debit XXXX, XXXX ) XX/XX/XXXX {$50.00} XXXX XX/XX/XXXX {$11.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$43.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$45.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$91.00} XXXX XXXX ( Debit XXXX  ) XX/XX/XXXX {$34.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$55.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$23.00} XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$43.00} XXXX XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$37.00} XXXX ( Debit XXXX  XXXX  ) XX/XX/XXXX {$21.00} XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$21.00} XXXX ( Debit XXXX  XXXX ) XX/XX/XXXX {$20.00} XXXX ( Debit XXXX XXXXXXXX  ) XX/XX/XXXX {$36.00} XXXX ( Debit XXXX  XXXX ) XX/XX/XXXX {$27.00} XXXX ( XXXX XXXX  ) XX/XX/XXXX {$40.00} Senetaste ( XXXX CA ) XX/XX/XXXX {$18.00} Donatos ( XXXX, XXXX : Second purchase in same day- belief this is when fraud began ) XX/XX/XXXX Initial XXXX purchase was for XXXX on XX/XX/XXXX in XXXX XXXX XXXX TOTAL = {$650.00} XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. $ XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. $ XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XX/XX/XXXX ( Debit XXXX ) {$10.00} XXXX XX/XX/XXXX ( Debit XXXX XXXX XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX  ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) {$100.00} XXXX XX/XX/XXXX ( Debit WA ) TOTAL = {$470.00} MISC. 
{$2.00} Parking ( Debit XXXX ) XX/XX/XXXX {$290.00}. XXXX XXXX XXXX Debit XXXX XXXXXXXX XXXX  ) XX/XX/XXXX TOTAL = {$300.00} GRAND TOTAL = {$1400.00}

Company response to consumer: Closed with explanation