Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IL

Complaint narrative:
FROM XXXXXXXX XXXX  XXXX WE WERE FLYING/TRAVELING XX/XX/XXXX TO XXXXXXXX XXXX XXXX 
NEEDED A RENTAL CAR ONCE WE LANDED. 
XXXX  AND SAW AD FOR " XXXX  RENTAL CAR '' AVAILABLE AT OUR AIRPORT. 
IT HAD A PHONE NUMBER, AND THE SITE HAD XXXX  IN IT. 
CALLED IT. HE SAID IT WAS AFTER HOURS, SO WE WOULD HAVETO DEPOSIT A REFUNDABLE {$300.00} AND PAY {$62.00} AND HAD TO USE XXXX XXXX. He told us to go to the XXXX counter to pick up our car. We get to the counter and give them our name and the lady said there wasnt a reservation under our name. We told her the story and she informed us we had been scammed and that XXXX  NEVER ASKS for a deposit. 
XXXX XXXX  ONLY WORKS WITH MY VISA DEBIT CARD. SO I FUNDED THE XXXX XXXX  WITH MY VISA DEBIT CARD FROM OUR PNC BANK HE SAID {$360.00} TOTAL AND WAS THE {$300.00} REFUNDABLE DEPOSIT AND THE {$62.00} RENTAL FEE. SEE BELOW : SENT ME : Charges Breakdown Rental Fee : {$62.00} Refundable Security Deposit : {$300.00} Convenience Fee : {$0.00} Taxes : {$0.00} Total Amount Paid : {$360.00} ARRIVED ENTERPRISE OFFICE TO GET CAR. THEY HAD NO RECORD OF ANY RESERVED CAR AND SAID WE HAD BEEN SCAMMED, THAT THEY ARE AWARE OF THIS SCAM GOING AROUND USING THEIR NAME AND COMPANT, AND FOR US TO IMMEDIATELY NOTIFY XXXX XXXX AND OUR BANK. 
WE IMMEDIATELY DID DO THAT. We contacted XXXX XXXX  customer service as they have BUYER PROTECTION GUARANTEEXXXX XXXX  SAID IMMEDIATELY TELL OUR PNC BANK TO STOP PYMT ON THE CHARGE. WE DID. AND PNC BANK SAID THEY WOULD, THEY SAW IT PENDING, BUT COULD NOT REFUND {$360.00} CHARGE UNTIL IT WAS NOT PENDING. BUT WHEN IT WENT THROUGH. 
NOW PNC IS REFUSING TO HONOR THE VISA FRAUD GUARANTEE. AND NOT HONORING OUR DISPUTE ON THIS. WE HAVE GIVEN THEM ALL INFO THEY REQUESTED FROM US ON THIS. 
WE DID ALL REQUIRED STEPS. WE NOTIFIED XXXX AND PNC BANK IMMEDIATELY. WE PROVIDED PNC BANK ALL AVAILABLE FACTS AND INFORMATION ON THE TRANSACTION THAT WE HAD. 
( I tried filing a dispute twice with them for this transaction ) THEY NEED TO UNHOLD THEIR END OF THIS GUARANTEE. AND REFUND THE CHARGE OF {$360.00} TO THIS FRAUDULENT TRANSACTION. 

SEE BELOW THE XXXX CONTACT SCAM : -- -- -- -- -- -- -- -- -- -- -- -- -- From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Payment Request, Dear, XXXX Thank you for choosing XXXXXXXX XXXX. We are pleased to assist you with your rental reservation. 

Reservation Details Confirmation Status : Pending Pickup Date & Time : XX/XX/XXXX, Before XXXX PM Drop-off Date & Time : XX/XX/XXXX, Before XXXX PM Please complete your payment within the next XXXX minutes to confirm your booking. 
Vehicle Information XXXX Model : XXXX XXXX XXXX Category : Full-Size XXXX Transmission : Automatic Cylinders : XXXX Engine Displacement : XXXX cc Renter Details Name : XXXX XXXX XXXX XXXX XXXX Age : XXXX Additional Services Selected Unlimited Miles : {$0.00} Full Coverage ( Insurance ) : {$0.00} XXXX Coverage : {$0.00} Charges Breakdown Rental Fee : {$62.00} Refundable Security Deposit : {$300.00} Convenience Fee : {$0.00} Taxes : {$0.00} Total Amount Due : {$360.00} Note : The security deposit of {$300.00} is fully refundable upon the vehicle 's return, adhering to the terms and conditions. 
Payment Instructions To confirm your booking, please complete your payment using the details below : Payment Platform : XXXX XXXX XXXX XXXX XXXX : XXXX Final Amount : {$360.00} We highly recommend completing the payment promptly to secure your rental. 
Thank you for choosing XXXX XXXX. If you have any questions or need assistance, feel free to contact us. 
Best Regards, Reservation Desk www.enterprise.com XXXX XXXX

Company response to consumer: Closed with explanation