Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.

Complaint:
My PNC debit card was subject to unauthorized use leading to fraudulent purchases and withdrawals totaling {$2300.00}. 

***************************************************************************************************** The physical debit card was with me during all the time when the fraudulent charges happen. The only digital device with the card linked to it was with me the whole time as well ( my XXXX 's XXXX XXXX ). 
***************************************************************************************************** The first fraudulent use was a {$100.00} ATM withdrawal posted on XX/XX/XXXX. However, I was unaware of all the fraudulent purchases and ATM withdrawals until a phone call from XXXX ( PNC Bank 's lost card and prevention center ) at XXXX XXXX in the evening of XX/XX/XXXX. Upon notice by the phone call, I immediately contacted the PNC personnel on the other end of the phone call to freeze the debit card ending in # XXXX, but by then all the fraudulent purchases/withdrawals are already posted or pending ( can not be undone ). The fraudulent dispute center was already closed by then ( closing at XXXX XXXX ). 
***************************************************************************************************** In the morning of XX/XX/XXXX, I called the PNC PNC Bank Customer Service ( XXXX ) to file disputes for all fraudulent uses already posted by end of XX/XX/XXXX. The personnel connected through phone helped me file 3 separate claims, gave me a {$100.00} provisional credit, and a final refund {$15.00} ( for two small-dollar amount fraudulent use ). Immediately after, I went to the PNC branch in XXXX, CA and met with XXXX XXXX XXXX XXXX XXXX, who confirmed that I need to wait for the pending transactions to be posted before filing dispute ( transactions that eventually posted by end of day on XX/XX/XXXX ). After going to the PNC branch, around XX/XX/XXXX XXXX XXXX  XXXX I went to the XXXX XXXX XXXX XXXX ( in XXXX XXXX, CA ) to file a fraud report. Initially I was advised by XXXX to file a report at XXXX 's police deport instead because the first crime ( a {$100.00} ATM withdrawal ) happened at XXXX, CA. However, XXXX XXXX argued that since I lived in XXXX XXXX, XXXX should file the report and ask them for evidence ( e.g. video tapes ) if needed. Hence I met with officer XXXX XXXX ( badge # XXXX ) to open a case ( XXXX ) for these fraudulent charges. 
***************************************************************************************************** In the morning of XX/XX/XXXX, I noticed that the pending fraudulent charges were all posted with date XX/XX/XXXX and hence immediately called the PNC Bank Customer Service ( XXXX ) to dispute the amount posted on XX/XX/XXXX and also asked them to link the above XXXX case number for all my claims. 

***************************************************************************************************** The date posted and amount of these fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX  Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az

Company response to consumer: Closed with monetary relief