Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Improper Denial of Fraud Dispute, Failure to Notify, and Failure to Investigate ( CaseXX/XX/XXXX XXXX ) XX/XX/XXXXTo Whom It May Concern, I am filing a formal complaint against PNC Bank for improper handling of a fraud dispute, including failure to provide required notice, failure to respond to submitted documentation, and failure to conduct a reasonable investigation. XX/XX/XXXX Dispute DetailsXX/XX/XXXX Case # : XXXXXX/XX/XXXXAmount : {$500.00} XX/XX/XXXX Merchant : XXXXXX/XX/XXXX( fraudulent / undelivered services )XX/XX/XXXX Key Failures by PNC XX/XX/XXXXFailure to Provide Verifiable Notice XX/XX/XXXX PNC claims the dispute was denied due to a timeline issue and states that a letter was sent. XX/XX/XXXX I never received this letterXX/XX/XXXX No proof of mailing or delivery has been provided XX/XX/XXXXNo alternative communication was attempted ( email, phone, or secure message ) A denial based on a deadline that was never properly communicated is invalid. XX/XX/XXXXXXXX. Failure to Acknowledge or Respond to Evidence XX/XX/XXXX I submitted documentation multiple times to the exact email provided by PNC ( [ XXXX ] ( XXXX : XXXX ) ) : XX/XX/XXXXXX/XX/XXXX Full dispute documentation and evidence XX/XX/XXXXXX/XX/XXXX Additional updates and proof of merchant non-performanceXX/XX/XXXX XX/XX/XXXX Request for confirmation and escalation PNC did not respond to any of these communications. XX/XX/XXXX. Conflicting Guidance from PNC Representative XX/XX/XXXX On XX/XX/XXXX ( XXXXXX/XX/XXXX ), I spoke with a PNC representative ( XXXX XXXX. ), who confirmed : * No further documentation was required * The investigation was in process * Resolution timeline : mid-to-late XXXX Despite this, the claim was later denied again for the same timeline issue, without acknowledgment of submitted evidence or prior communication. XX/XX/XXXX. Failure to XXXX a Reasonable Investigation XX/XX/XXXX The merchant ( XXXX XXXX ) failed to deliver any contracted product. XX/XX/XXXX No completed deliverables were provided XX/XX/XXXX Merchant ceased communication XX/XX/XXXX Public evidence shows multiple similar fraud complaints PNC failed to incorporate readily available evidence and instead relied on a procedural denial. XX/XX/XXXX. Loss of Account Access and Resulting Harm XX/XX/XXXX My account has since been closed with an alleged overdraft balance exceeding {$800.00}. XX/XX/XXXXI can not access account records to verify this balance XX/XX/XXXX I am unable to review dispute-related transactionsXX/XX/XXXX This has caused additional financial and administrative harmXX/XX/XXXX Requested Resolution XXXX. Refund of the {$500.00} disputed transaction XXXX. Reversal/write-off of the alleged XX/XX/XXXXXXXX account balance due to lack of access and improper handling XXXX. Formal confirmation of corrective action taken on this caseXX/XX/XXXX Basis for Complaint PNC failed to meet basic obligations in dispute handling, including : XX/XX/XXXX Providing verifiable notice XX/XX/XXXXResponding to submitted documentationXX/XX/XXXX Conducting a reasonable investigation XX/XX/XXXX Ensuring fair access to account records during an active dispute XX/XX/XXXX I request a formal response and resolution within XXXX business days. Sincerely, XXXX XXXX XXXX XXXX [ XXXX ] ( XX/XX/XXXXXXXX )

Company response to consumer: Closed with explanation