Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have drafted the formal audit and dispute package for your business account XXXX. Below is the final email prepared for XXXX XXXX at PNC, itemizing the unauthorized activity attributed to XXXX XXXX and the specific business expenses you have authorized. Subject : Formal Internal Audit & PNC Bank Dispute : XXXX XXXX XXXX ( Account XXXX ) Dear XXXX, I am providing you with the finalized audit and the formal dispute package for XXXX XXXX XXXX, regarding the unauthorized depletion of the {$30000.00} capital deposit. The audit confirms that while I authorized approximately {$11000.00} for legitimate business operations and specific cash withdrawals, an employee, XXXX XXXX, utilized the business debit card to spend {$18000.00} without my knowledge or consent. This includes a major unauthorized purchase at XXXX XXXX XXXX and extensive personal lifestyle spending. Below is the formal letter and itemized report being submitted for your department 's review. PART 1 : DISPUTE LETTER To : PNC Bank Fraud & Dispute Department RE : Formal Dispute of Unauthorized Transactions Account XXXX To Whom It May Concern, I am writing to formally dispute a series of unauthorized debit card transactions on the business checking account of XXXX XXXX XXXX ( XXXX ). An internal audit has revealed that {$19000.00} ( including associated fees ) was spent without my knowledge or consent by an employee, XXXX XXXX, who was the sole holder of the business debit card. I. Authorized Transactions ( Acknowledged ) : As Principal, I recognize only the following as legitimate : * Business Checks : # XXXX ( {$5000.00} ) and # XXXX ( {$1100.00} ). * Real Estate : XXXX XXXX XXXX ( {$2300.00} ). * Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Owner-Verified Cash : Specific withdrawals on XX/XX/XXXX ( {$2100.00} ), XX/XX/XXXX ( {$1000.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). II. Disputed Transactions ( Unauthorized ) : I am contesting all other activity, most notably : * XXXXXXXX XXXX XXXX ( {$4000.00} ) : An unauthorized debit purchase on XX/XX/XXXX. * XXXX XXXX ( {$1400.00} ) : Multiple recurring charges for personal accounts. * Retail/Personal Consumption : Excessive unauthorized spending at XXXX, XXXX, and various XXXX XXXXXXXX * Fees : The {$36.00} Overdraft Fee resulting from this unauthorized activity. I request an immediate investigation and the reversal of these fraudulent charges. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX PART 2 : ITEMISED UNAUTHORIZED EXPENDITURES | Category | Description / Merchants | Estimated Total | | -- -| -- -| -- -| | Major Purchase | XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) | {$4000.00} | | XXXX | XXXX XXXX ( XXXX XXXX ) | {$1400.00} | | XXXXXXXX XXXX XXXXXXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$2300.00} | | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$5200.00} | | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$2600.00} | | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$3300.00} | | Bank Fees | PNC Overdraft Item Fee | {$36.00} | | TOTAL DISPUTED | | {$19000.00} | Audit Conclusion : The capital was depleted through a systematic pattern of unauthorized debit card usage for personal gain by the cardholder. XXXX XXXX XXXX seeks full restoration of these funds. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation