Consumer complaint received 2024-08-23 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing number:XXXX ; an account number:XXXX. I recently made a claim with you guys about my account an a bunch of UNAUTHORIZED TRANSACTIONS ... .... My original claim stated " Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing XXXX ; an account XXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my smoke shop transaction for {$22.00}. After that I fell sick, an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in XXXX!! including a hotel charge, XXXX, ect... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, im late on rent, my car note, an even child support. '' ... ... ... ... ... ... ... ...... I then filed another claim an stated that " After all of that, I was contact and told that I will be receiving a new card in the mail ( WHICH I NEVER RECEIVED ) ... .... an also provisional credits during the investigation ... my account did receive provisional credits however I DID NOT have the card yet when the money was added on there.so I just saw it posting provisional credits THAT I COULDNT USE YET .... An then all of a sudden the credits start being used as well!!! ...... so someone must have intercepted my card, and began using the credits as well as a bunch of other purchases I don't recognize ... .. so basically I NEED TO DISPUTE EVERY SINGLE TRANSACTION ON MY CHECKING ACCOUNT ENDING IN XXXX starting from ( XXXX XXXX ) through TODAYS DATE ( XX/XX/year> ) ...... I seriously need my cash and I haven't been able to do anything as PNC is the only bank account that I have, I've been waiting and waiting on a new card just to see that my account is still being used, and when I called to let them know this I was transferred line after line and always with someone who didnt understand me or I didnt understand them, an I eventually got hung up on one time .... I really need all of my funds immediately, even if it's just the original provisional credits/final dispute credits that you guys posted. I have called multiple times and have not been able to get through or either there's a language barrier, please return my money I do not have money for food, child support, my car note, and I am going to be put out in 15 days please give me my money back, at least the provisional credits/final dispute credits totaling XXXX '' ... ... ... ... ... .... NOW ( XXXX XXXX ) the situation has been escalated even further as I was SUSPENDED from my online banking account when I tried to login. It said to CALL to remove the suspension however when I called they asked over 25 identity verifying questions an STILL did not give me access to my account, THEY THEN told me that my account was overdrawn because of the UNAUTHORIZED CHARGES that I disputed already .... an that it would need to be brought back to a positive balance BY ME!!! to utelize my account. This is so unfair, I dont know what to think is truly going on, I even asked about the debit card that I havent received still an they have no answers. So now I cant monitor my account, I cant see my balance at all times, I also dont even have a debit card .... I need my money asap, as well as access to my account. I cant pay any of my bills including child support or my rent because of this.

Company response to consumer: Closed with explanation