Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NY)

The way I have been treated by PNC Bank is unacceptable. The XXXX XXXX is not an excuse for the poor treatment from PNC employees, and it only exacerbates this case. PNC Bank shouldnt be taking advantage of customers vulnerabilities during a worldwide pandemic or under any circumstance. 

The situation with PNC began PRE-COVID/PRE-Pandemic, and due to PNCs lack of follow-up, effort, and questionable ethical practices. 
PNC Bank has extended the problem since XX/XX/2019. I have called PNC Bank to remedy the situation, and much like the norm, problems are passed to a new rep who makes promises never delivered. 
The most important aspect of this complaint centers around a dispute that began in early XX/XX/2019. I have been dealing with the dispute issue for seven months. One out of two transactions were confirmed as permanently credited, and considered in my favor. The larger of the two debits, XX/XX/2019, for {$540.00}, was permanently credited, and the circumstances surrounding the problem was the same as the transaction that occurred on XX/XX/2019, as they were XXXX transactions, debited separately for XXXX order. 


Breakdown of the dispute : XXXX transactions at XXXX XXXX store on the following dates : XX/XX/2019, for {$540.00} and XX/XX/XXXX for {$460.00}. 

The transactions mentioned above were placed under dispute because XXXX XXXX who admitted via email ) charged my PNC XXXX card in addition to my XXXX XXXX card. The intended card for use was XXXX, as it was my default payment method on XXXX web payment form. XXXX maintained both cards on file and charged both of the cards the same amount, hence the reasoning behind the dispute, paid by other means. Both PNC and XXXX were my XXXX methods of payment on file with XXXX. They charged my card based on the selection during checkout, where the selected card was my XXXX XXXX card, not my PNC XXXX card. Please note, this matter is the first time I have ever opened a dispute with PNC Bank. 

To better illustrate the situation ( XXXX dont want this to be confused with a double charge ). This matter is specific to paying by other means. 

Debit # XXXX on XXXX XXXX XXXX - {$540.00} on XX/XX/2019 Debit # XXXX on PNC XXXX XXXX - {$540.00} on XX/XX/2019 Debit # XXXX on XXXX XXXX XXXX - {$460.00} on XX/XX/2019 Debit # XXXX on PNC XXXX XXXX - {$460.00} on XX/XX/2019 I have attached the following documents to this complaint with the CFPB, to support my dispute with PNC Bank : - XXXX statements from PNC Bank displaying the charge from XXXX for {$540.00} and {$460.00}. 
- XXXX Statements from XXXX Bank, showing the debits from XXXX for {$540.00} and {$460.00}. 
- Statement from PNC Bank, displaying permanent credit for {$540.00} XXXX first of the two-part transaction XXXX This proves that they permanently credited, in my favor, the first of a two-part transaction, that pertained to XXXX single order ( broken up into two-parts vis-a-vis XXXX. 

- Statement from PNC Bank, displaying provisional credit for {$460.00} - Statement from PNC Bank, displaying the first credit reversal XXXX XXXX XXXX for {$460.00}. 
- Statement from PNC Bank, displaying the second provisional credit for {$460.00} - Statement from PNC Bank, presenting a second credit reversal XXXX XXXX XXXX for {$460.00}. 
- Emails from representatives at PNC Bank confirming they were rectifying the situation and never followed through with their promises. 
- Fax confirmations sent to PNC Bank prove that I sent supporting documentation, within the time frame requested, that the bank required, to dispute the charges. 
- Email proof from XXXX web services that they did charge my PNC card in error and stated I would have to dispute the charge with my bank.