Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX at XXXX, I received a phone call from XXXX ( XXXX ) XXXX from a man stating he was calling from PNC fraud alerts on a recorded line. He asked me if I had authorized a XXXX transaction in the amount of {$2500.00} to a woman named XXXX XXXX in XXXXXXXX XXXX I told him I did not authorize this transaction. He told me he would help me dispute this fraudulent transaction on my account. 

Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX. He then prompted me to enter my home address, email address, and phone number under the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account by XXXX XXXX. He told me to write the Purpose and Memo as XXXX. He asked me to state the confirmation number. 
Wire Transaction Details : Recipient : XXXX XXXX Recipient Details : XXXX XXXX XXXX XXXX XXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXX He kept asking me to log out of my account as I was placed on a hold, then he told me to log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX. This wire transfer was completed. 
Wire Transaction Details : Recipient : XXXXXXXX XXXX Recipient Account : XXXX XXXX XXXX XXXX XXXXXXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXXXXXX XXXX  Reference Number : XXXX Through out his interaction I expressed concern about where my money was being transferred to and he continued to reassure me that the money will not be withdrawn from my account and these steps were required to dispute the fraudulent XXXX transaction. 

He asked me to transfer the total amount of funds from my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX He told me he found fraudulent charges on my XXXX XXXX account and I needed to take further action to dispute these charges. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX told him I do not feel comfortable clicking the link for the XXXX  payment and he reassured me that this is standard procedure to get my funds back. I hung up and he attempted to call me back repeatedly from the same phone number. I called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back on XX/XX/XXXX to dispute this charge, and there is no guarantee I will get my funds back from the wire transfer. I was under the impression I was speaking with a PNC employee and did not willingly authorize these funds to be transferred to the recipient, as I was coached by the caller to take these actions to dispute a fraudulent XXXX transaction from my PNC account.