Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent transaction on my PNC Bank checking account and the discriminatory treatment I experienced at one of its branches. 

Unauthorized Transaction On or around XX/XX/XXXX, an unauthorized charge of {$970.00} was made to XXXX XXXX via my PNC Bank checking account. I did not authorize this transaction and reported it to PNC Bank as fraudulent. Despite notifying the bank promptly, my dispute was denied, and my account was closed, penalizing me unjustly. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, consumers are protected from liability for unauthorized transactions, provided they report them in a timely manner. I reported the unauthorized charge promptly. Per 12 C.F.R. 1005.6 ( b ), consumer liability should be limited to {$50.00} if reported within two business days. 

Relevant case law includes : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX ) the court held that a bank may be liable under the EFTA if it fails to conduct a reasonable investigation into a consumers unauthorized transaction claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) the court recognized that improper denial of a legitimate EFTA claim constitutes a violation of federal law. 

PNC Bank appears to have violated these statutory protections by denying my dispute without proper justification and closing my account. 

XXXXXXXX XXXX Additionally, when I visited the PNC branch on XXXX XXXX in XXXX XXXX to seek resolution, I was subjected to XXXXXXXX XXXX XXXX was treated dismissively, with overt suspicion and lack of assistance based solely on my race. 

Such treatment is a violation of Title VI of the Civil Rights Act of 1964 ( 42 U.S.C. 2000d ), which prohibits discrimination based on race, color, or national origin in programs and activities receiving federal financial assistance. As a federally regulated financial institution, PNC is bound by this law. 

Relevant case law : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) plaintiff successfully brought a claim for XXXX discrimination under federal and state law against a bank after being denied fair service. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX. XXXX XXXX ) court held that discriminatory treatment by a bank teller, if proven, can form the basis of a Title VI violation.

Relief Requested I respectfully request that your agency investigate this matter thoroughly, including : A full review of PNC Banks handling of the {$970.00} fraudulent charge and its compliance with the EFTA.

Examination of the improper closure of my account in retaliation for reporting fraud. 

Investigation into the XXXXXXXX XXXX  I experienced at the XXXX XXXX branch. 

Appropriate penalties and corrective actions against PNC Bank for any regulatory violations. 

I would appreciate a formal acknowledgment of this complaint and a summary of the steps your agency will take. Please let me know if additional documentation or evidence is needed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation