Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I made a purchase online with what I thought was XXXX, through XXXX. I had never used XXXX or XXXX before and assumed it was just how XXXX did business. When I received the receipt immediately by email, it said it was for some company with a bunch of XXXX characters. The transaction was done with my debit card so I immediately tried to contact my bank 's fraud department but they were not open ( XXXX XXXX XXXX XXXX XXXX. The next morning I went to my bank PNC first thing and explained the whole situation and asked for the charge to be stopped and requested a new debit card. They took down all of the details, provided me with a new debit card, and told me I XXXX be contacted for more information. While I was waiting for my bank to credit this back to my account, I tried contacting XXXX to get them to reverse the charge. ( I am going to file a separate complaint against XXXX ) They gave me the only info they had for the merchant which was an email address. ( I sent an email with no reply ) They admitted to me that this is probably a fraudulent charge but would not be able to help me unless I opened my own XXXX account. I asked what that entailed and they said I fill out an online application with my name, address, phone number, birthdate, social security number and driver 's license number. I asked them if they were insane. There was no way I was providing all of the info needed to rob me XXXX to a company that so willfully aided and abetted this fraudulent company steal my money. I said if they required half of the information from the merchants as they were demanding from me, we wouldn't have these issues. But it is obvious all they care about is transaction fees. On XX/XX/XXXX, I received a letter from PNC 's fraud department asking for written information of exactly everything I provided on day XXXX, and said it must be received by XX/XX/XXXX for them to help me. I put all of the info together in writing and went back to my bank branch because I did not have a working scanner or fax machine and I was not trusting the XXXX by mailing it. I told my PNC XXXX that they have done nothing and I intended in filing a formal complaint against PNC for doing nothing. I filed a complaint on the PNC website and I held off on filing with regulatory bodies to give corporate a change to contact me. A woman named XXXX contacted me back by email and said she would escalate the issue. I then received a voice mail from a woman named XXXX who worked for some kind of PR department to mislead consumers. When we finally spoke this afternoon, XXXX, she told me basically that they couldn't do anything until the 90 days was up. I explained that I know how every business works now by protecting every XXXX and frustrate consumers until they give up. She tried to imply that they were following guidelines that all banks must follow, so I asked what these XXXX guidelines were. She realized she screwed up and gave a PR answer. I simply want my {$100.00} refunded to my bank account. Yep, this is all over a measly {$100.00}, but it is the principle involved. PNC and XXXX with spend far more than that answering my complaints.

Company response to consumer: Closed with monetary relief