Consumer complaint received 2022-11-20
Company: PNC Bank N.A.
State: DE
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:
On XX/XX/XXXX, I was notified via email by XXXX XXXX XXXX ( aka XXXX ) that the merchant can no longer service the United States market due to unregistered securities as determined by United States Securities and Exchange Commission ( US SEC ). Simply put, they are an unauthorized business operating in the US. This was not disclosed to me during my purchase, hence the dispute. 

On XX/XX/XXXX, I filed a credit card dispute to PNC Credit Card for a fraudulent transaction that was made on XX/XX/XXXX from the merchant named XXXX XXXX. The amount was {$11000.00} for a XXXX package. XXXX XXXX did not fulfill my purchase which I have paid for and agreed upon. XXXX XXXX XXXX package includes a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and XXXX XXXX  ( XX/XX/XXXX to XX/XX/XXXX ). I decided to file this dispute after failed attempts of multiple requests for a refund from XXXX XXXX XXXX ( aka XXXX ). 

On XX/XX/XXXX, PNC Credit Card Dispute Department provided my account a credit for the amount of {$11000.00} while they were investigating this dispute. 

On XX/XX/XXXX, I received a certified letter from PNC with enclosed documents from XXXX XXXX  ( aka XXXX ) claiming that it was a valid transaction and they fulfilled the purchase agreement since I received the mining computer. This is a lie. The equipment has been in their possession while hosting it. The merchant did not provide any proof of delivery to show that the said equipment is in my possession. 

On XX/XX/XXXX, I responded via fax to PNC with letter and documents explaining that merchant did not fulfill our purchase agreement. Please see attached letter. 

On XX/XX/XXXX, I emailed PNC with an article about XXXX 's fraudulent activities. Please see attached file. 

On XX/XX/XXXX, PNC re-billed my account for the amount of {$6100.00} without any explanation. I received XXXX letters from PNC a week later basically saying that I still owed the said amount. PNC is claiming that the merchant provided them information supporting this transaction. On XX/XX/XXXX, I talked to XXXX from PNC Credit Card Dispute Department. I explained to XXXX that the merchant 's claim that I have the mining equipment is false. Also, I explained that the XXXX package I paid includes a XXXX XXXX XXXX which I do not have and XXXX hosting fee. PNC is claiming that I only paid for the XXXX hosting fee based on the sales receipt I provided. I contacted XXXX and requested an itemized invoice multiple times but the merchant has not responded. 

On XXXX XXXX, I sent a letter via email to PNC with documents as a response to their claim that I still owe them {$6100.00} after their investigation. Please see attached file. 

On XXXX XXXX, I received a letter from PNC saying that they are investigating my dispute of the charge from XXXX XXXX for the amount of {$6100.00}. PNC requested an itemized invoice from the merchant supporting what was purchase. 

On XX/XX/XXXX, I sent a letter with document via email and fax explaining that I requested an itemized invoice from XXXX with no response. In addition, I explained on the letter that the invoice the merchant have provided in XX/XX/XXXX was not itemized but not according to what I agreed to and what is stated on their website upon purchase. Please see attached files. Please refer to a video below showing the breakdown of one of their packages. 

https : XXXX On XX/XX/XXXX, I received a letter from PNC saying that based on the findings of their investigation, they are unable to honor my claim.

This dispute is valid for a full credit not only because the merchant did not fulfill the transaction ( no equipment and incomplete hosting ), but more so because of fraud. I do not think PNC considered the supporting documents I sent. 

Please do a thorough investigation on this case with in-depth consideration. Attached are documents for your reference.

Company response to consumer: Closed with explanation