Consumer complaint received 2016-11-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
SUBJECT : Fraudulent Transactions - CRISS reference # XXXX Reference is made to the attached letter dated XX/XX/2015. PNC advises that after a careful review of the documentation available and information provided by us, that the transactions were authorized and the merchandise or service requested using our card was received. Therefore, the claim was denied. 
I spoke to a PNC Representative at XXXX on XX/XX/2015 and informed her that we had not received the merchandise or in this case, the proceeds of the loan request from XXXX. I also advised the PNC Representative that we would be formally submitting a written appeal to this denial to the address noted on the XX/XX/2015 letter from PNC. The Representative also noted that she would place a note in our file that we were contesting the initial determination made by PNC. 
At the very mimimum, PNC should credit our account with {$580.00} given that I had advised PNC on XX/XX/2015, that my wife and I believed that the multiple transactions were based on fraud carried out by XXXX. The final transaction of {$580.00} was still in a pending status on XX/XX/2015. Please see my attached log of all e-mail transactions sent to PNC Bank and their responses. In particular, please note the following e-mail sent to PNC : Read Message Message List Send A Message Message Detail Subject : StopPayment Date : XX/XX/2015 Message : The following debit withdrawals were made friday. I now believe that this was a loan scam that I fell for. Is there anything I can do to void these tranactions? It involved XXXX for a loan. I was required to send these three transactions to cover insurance, processing fees and to increase my credit score. The loan company is not willing to refund my payments. XX/XX/2015 POS PURCHASE XXXX XXXX MD {$410.00} XX/XX/2015 POS PURCHASE XXXX XXXX MD {$710.00} {$470.00} 1 XX/XX/2015 POS PURCHASE XXXX XXXX MD {$370.00} {$1100.00} To assist in your review, I have included the following supporting documents : 1. PNC letter dated XX/XX/2015 ; 2. Summary Overview of the Fraud Matter ; 3. E-mail log providing our requests and PNC responses ; 4. XXXX Sheriff 's office IdentifyFraud/Theft report ; 5. Complaint Referral Form to FBI Internet Crime Complaint Center ; 6. PNC Bank Statements reflecting all the fraudulent transactions, including the pending status of {$580.00} on XX/XX/2015 which occurred after our e-mail notification to PNC on XX/XX/2015 ; and 7. Copies of all of the wire transfers to XXXX. 
Your review and reconsideration of our request to have all the monies restored to our account is urgently requested. And at the very minimum, the last transaction of {$580.00} should be credited back to our account based on the e-mail advisement we sent on XX/XX/2015 stating that the funds sent to XXXX were based on a fraudulent scheme by that company. 
Your re-evaluation and reconsideration will be most appreciated. If you require additional information, I can be reached at XXXX or by e-mail at XXXX Attachments

Company response to consumer: Closed with explanation