Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Formal Complaint Against PNC Bank for Mishandling of Fraudulent Debit Card Charge by XXXX Dear CFPB Representative, I am writing to formally file a complaint against PNC Bank for failing to appropriately handle a fraudulent charge made to my debit card, as well as their refusal to resolve the matter after multiple attempts on my part. 

On [ insert date of first charge ], a charge for {$140.00} was debited from my account by a company named XXXX, a service I have never subscribed to or interacted with. Upon noticing the charge, I immediately contacted XXXX, and a representative confirmed that no account exists under my name, phone number, or email address in their system. 

I then reported this incident to PNC Bank, which cancelled my debit card and reissued a new one. Despite this, another unauthorized charge occurred from the same company, suggesting a serious flaw in PNCs fraud prevention and resolution process. I again reported the issue, and PNC issued me a temporary credit of {$140.00} while investigating. 

To my dismay, I was later contacted by a representative from XXXX Executive Relations team, XXXX [ Last Name Unknown ], who advised me that because XXXX claimed the charge was valid, PNC would reverse the temporary credit and hold me responsible for the amount. This decision was made despite the clear evidence I provided that I did not authorize this charge, and without any concrete proof from XXXX linking the account or transaction to me. My father, who is an executive at a production company, checked and found several complaints within 3 minutes that showed this company had a history of overcharging customers or charging individuals who did not have an account with them. If XXXX had taken the time to check this himself, he could have found the same information and possibly alerted PNC so that they could be prepared for such charges from their customers. It appears he wanted to do the minimal amount of research and resolution regarding this matter. 

I have attempted to follow up with XXXX multiple times to resolve this, but have not received a response. Due to the lack of support, continued security concerns, and complete disregard for consumer protection, I have since closed my account with PNC and opened a new one with a different financial institution. I am an XXXX future freshman college student and do not wish to have something I did not do or authorize damage to my credit or cost me further. 

I have attached the independent research that my father provided that XXXX has a documented history of similar complaintsfraudulent or unauthorized charges tied to people who never signed up for the service. This appears to be part of a larger pattern, and PNCs unwillingness to challenge this vendor or investigate properly places customers like me at financial risk. 









Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation