Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I checked my PNC bank account after work to make sure my paycheck had been deposited. At that time, I noticed that a payment of {$1600.00} had been authorized by the bank, without my knowledge to a " XXXXXXXX XXXX XXXX XXXX 

Next, I checked my email inbox and found an order confirmation for a " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ''. Upon doing a XXXX XXXXXXXX XXXX search, I found a matching set, the " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. It is only listed for XXXXXXXX XXXX on the XXXX website. The only contact information that the merchant listed in the confirmation email was a XXXX email address " XXXX ''. I sent multiple emails threatening legal action with no response. 

The attached XXXX website that I alledgedly made the purchase on : " XXXX XXXX XXXXXXXX '' does not exist. As of the XXXXXXXX XXXX XXXX XXXX the website is deactivated. " XXXX XXXX XXXX '' is a real store in XXXX Florida, but they do not sell anything close to this " XXXX XXXX ''. I never recieved the product. I checked my porch everyday and the products did not arrive in any form whatsoever. 

The confirmation had my email address, phone number, and address listed. I did not make this purchase. Nobody had access to my bank account, and the debit card linked to this account had not left my wallet. Despite these discrepancies, PNC Authorized the payment anyways. 

After realizing that something was very wrong, I immediately contacted PNC 's support hotline. I was connected to a call center in XXXX, where I was told that my case would be reviewed over a 45 day period. I gave a statement, and was temporarily credited back the full {$1600.00}. When the investigated concluded, I recieved a letter from PNC declaring that the purchase was in fact made by me, and that the merchant was able to privately confirm that I did. the {$1600.00} credit was taken away from me, overdrawing the account. 

On the letter from PNC, I was told that it is my right to request any and all documentation pertaining to the dispute that PNC had used to rule against me, so I called the hotline again and requested these documents. I recieved nothing. 

Next, I went to my local PNC branch and spoke to the manager. He took my information, listened to my story and filed a second dispute. He told me that the support hotline had none of my information on file and that he would be updating the case with the details that I had already communicated to PNC Bank a month and a half prior. I asked him for any kind of proof that I made this purchase, as PNC claims I have the right to do. Nothing was ever provided. 

About a week and a half later, I recived the exact same letter declaring that the dispute was denied for the second time. According to the letter, the merchant was again able to prove that I purchase the pot set. No proof was provided. 

I went back to the same PNC branch and spoke with the same gentlemen. I filed a third dispute, and requested the same documentation that the bank has been unable or unwilling to provide. PNC claims to be in contact with the merchant, but will not give me this information. 

The third dispute was denied, and the manager at my PNC Branch elevated the case to PNC corporate in XXXX, XXXX Over the course of a week I called the case manager, XXXX every single day, I left multiple messages with no response. I went back to the PNC branch, withdrew the rest of my money and told the manager that nobody was available to take my call. The next day, the case manager XXXX in XXXX finally called me. She claimed she had attempted to contact me, but I had no missed calls or voicemails. 

XXXX asked me for more details, and I told her everything I knew pertaining to the case. Again, she updated my file and filed another dispute. 

Again, the dispute failed. I recieved the exact same letter in the mail, that the merchant was able to confirm that I made the purchase, and that I would be liable to pay the full amount. Again, I recived no documentation or proof. 

After speaking with XXXX, my account was sent to collections. I made it clear that I would not be making any payments until I recieve documentation proving that I made the purchase, as I was directed to do by the local PNC Branch manager. 

In early XXXX I recieved a call from XXXX, the second case manager to contact me. I spoke with XXXX, confirmed every detail that I have written in this report. She told me she was going to attempt to freeze the account so collections wouldn't come after me. This was not the case. Again, I requested the documentation that I have the right to see. 

As of XX/XX/XXXX, my second PNC account was closed, and {$730.00} was seized from the account. This was everything I had in the account at this time. This is also the account that my direct deposit gets sent to every month, so I was unable recieve my pay at that time. I was still dealing with my parents medical issues at the time which further worsened the situation. I have called the case manager XXXX during her office hours on a daily basis since XX/XX/XXXX to no avail. 

PNC Collections still wants the remaining XXXX dollars to settle this debt. To this date I have not recieved any documentation from PNC bank regarding the case.

Company response to consumer: Closed with explanation