Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (IL)

I purchased a XXXX XXXX XXXX bag from a seller on a sell/buy app called XXXX for {$1300.00} on XX/XX/XXXX. The bag that I received from the seller was in a very used condition compared to the new condition the seller listed it as. The seller said there was no damage to the bag at all, but the bag that I received had visible signs of usage. I filed a return with the selling app XXXX and explained everything in my case, and I uploaded photos of the bag 's condition as well. The representative from XXXX that got back to my case initiated the return, told me to print the shipping label and drop the return off at the post office at my earliest convenience. After the package was received by the seller, I would be refunded within 24 hours, according to the agent. I did everything as told, I dropped it off at XXXX on XX/XX/XXXX. I have the return package 's tracking number and tracking receipt. The package was delivered back to the seller on XX/XX/XXXX and the XXXX carrier uploaded a photo for proof of delivery. The seller received the return and I waiting for days for XXXX to refund me. However, XXXX never refunded me, they ended up closing my account with no explanation why, completely wiped everything so I could not refer back to anything, and left it at that. They claimed they would refund me within 24 hours after the return was delivered to the seller, just for them to end up completely erasing everything. I then proceeded to dispute the charge with my bank, PNC. I emailed them screenshots of all the proof for them to investigate this dispute, from the conversation I had with XXXX 's representative for my case, to the XXXX return tracking number and receipt, to the XXXX carrier 's photo proof of delivery of the return to the seller. Over a month went by and I did not hear anything from PNC regarding the investigation. Nothing in the mail, nothing in my email, nothing through phone. 

Then today, XX/XX/XXXX I see that my PNC checking and savings account has been closed by PNC. I am extremely confused because I use PNC regularly for everyday purchases, I did not violate anything in their user agreement so I called them immediately, the representative only kept telling me that they reserve the right to end business with consumers whenever they want, I asked for a supervisor and she told me the same thing. They both just kept telling me to wait for whatever shows up in the mail. They told me my disputes were denied and a letter will be in the mail eventually. I have a few other disputes with PNC regarding some things I ordered online and did not receive but those are small things compared to my main dispute. These claims were also denied despite my most recent one in XXXX was not even investigated because they never asked me for any proof to help them investigate. I feel very wronged as a PNC consumer and the people that I have spoken to so far at PNC clearly do not care about how they treat their consumers. I have more than enough evidence for PNC to see that I was a victim to whatever scam XXXX merchant did, and I am seriously doubting they even conducted a proper investigation, much less ever even started one.