Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (NJ)

** On XX/XX/XXXX, I originally called PNC Bank and reported all XXXX fraudulent charges as soon as I landed in XXXX from my flight. My phone alerted me of the fraudulent charges and I called PNC Bank immediately. I closed my credit card and PNC Bank initiated a temporary refund on my account. PNC Bank opened an initial investigation, which was shockingly deemed as " denied. '' I received this information via mail. I called PNC and requested my claim to be re-opened since the times in which the XXXX fraudulent charges were made, I was on a flight. To my dismay, I am being told once again that the claim is being denied. PNC has failed to provide me with the times in which the XXXX charges were made on XX/XX/XXXX. This is after I have repeatedly requested this information. They tell me that they can see the times on their end, but they are not releasing this highly important information to me. PNC will not release what category of vendor XXXX XXXX is. My credit card was fraudulently charged a combined amount of {$1200.00} and PNC can not tell me what was purchased for this total amount. 


Dear PNC Bank Fraud Dispute Department, I am contesting the results of the resolution regarding the fraudulent charges on our account ( credit card ending in XXXX. ) My husband and I were notified by letter from XXXX XXXX from the Dispute Resolution Department on XXXX/XXXX/XXXX that coverage for fraudulent charges was declined. We were informed that the reason for negative judgement was that it was deemed that transactions were made in person. We were informed that all XXXX charges were made within 3-minutes of each other. The timing of the charges coincides with the time we were on a flight from XXXX XXXX XXXX to XXXX. Copies of our boarding passes are included for reference. Furthermore, there are valid charges on our card at the XXXX XXXX XXXX that confirm our time and location. Although fraud claim rejection was based on the supposed physical use of the card, no one has been able to provide us with the exact vendor name and address where the card was supposedly used. 

We have been notified that the XXXX fraudulent claim charges made with our credit card ending in XXXX are not being honored and refunded. These are the charges - Merchant Name : XXXX XXXX Amount : {$330.00} & {$520.00} Transaction Date ( XXXX ) : XX/XX/XXXX Merchant Name : XXXX XXXX Amount : {$380.00} Transaction Date ( XXXX ) : XX/XX/XXXX We respectfully request that our claims be revisited and re-opened based on the hard evidence summarized and presented below : My husband and I ( the only authorized card holders and owners ) were both on a flight from XXXX XXXX to XXXX during the time that the XXXX fraudulent charges were made. 
Please see flight confirmation information below, along with our boarding passes attached. 
We traveled on : XXXX XXXX, XXXX XXXX - flight duration XXXX - XXXX Monday, XX/XX/XXXX. 
WE BOARDED THE PLANE AT XXXX on XX/XX/XXXX ( view attached boarding passes. ) All XXXX fraudulent charges were made within 3 minutes of each other at XXXX SEPARATE vendors/locations. 
We request that you ask the merchandizer ( XXXX XXXX ) for proof of purchase as to what we are being accused of purchasing. We have been told XXXX XXXX is the merchandiser for all XXXX contested charges. We would like to see a proof of purchase receipt. 
The {$44.00} XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) charge on XX/XX/XXXX was our approved charge for breakfast at the XXXX XXXX XXXX. Please view the timestamp of when this charge occurred as continued proof that we were at the airport and not making the charges we are being wrongfully accused of making. 
The {$14.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge on XX/XX/XXXX was our approved charge for XXXX coffee right before we got in a taxi cab to head to the airport. We were at the airport a half-hour after this charge was made. 
Since our credit cards ending in XXXX were physically with us during our travels ( at all times ) the likely scenario of what occurred is that the scammer physically scanned our credit card chip while our cards were in our pockets/purse. This is a known. advanced, scamming method that is becoming more and more prevalent. All evidence is pointing to this is how we were victimized. 
PLEASE VIEW OUR CONFIRMATION FLIGHT INFORMATION BELOW AND ATTACHED! We ask that justice be granted to us by our claims being honored. We have wrongfully been forced to pay {$1200.00} when all of our provided documents and information undoubtfully point towards fraudulent charges.