Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
in re : forex scam and decepton by PNC bank XXXX XXXXXXXX XXXX  Forex conversion process and fees to profit and ultimately steal money from XXXX persons. 

PNC XXXX XXXX XXXX XXXX XXXX is the bank holding company that owns PNC Bank has been scamming and deceptive practicing to steal and profit from me and esepcially XXXX veterans of foreign transaction fees and other fees associated with it. the PNC bank has willfully and willingly and knowingly concealed the actual conversion rates. And the most strikingy is when items have refunded or credited back a merchant, the bank would willfully profit in the conversion rate instead of just refunding back the original charge in whole. 

they refused nearly most of the time to provide the conversion process and the actual rate for the forx mid market rate for that day. this is signficant. cause it rips off milllions of consumers in the millions of dollars by the bank. this requires a federal and other agency oversight in this bank ponzi scheme. 

they make profitis legitmately so they start ripping american XXXX citizen consumers, especially. and more importantly XXXX american military veterans relying on this stolen fees to survive for medical needs and to support their family. 

the most example was for a debit and credit from a merchant. i was charged {$860.00} but i dont know any details of rate i was charged. but then the merchant refunded amount, however, the bank, pnc on its return refund credited by back only {$850.00}. respectively. this is on top of the 1.5 % to near 2 % initial overcharge of fees and then on top of that another 3 % forex transaction fee on top of it, respectively. Now imagine that and see how much money, they -- PNC is stealing from consumers and espcially from XXXX military veterans and soldiers. But in this example real time case. this whole transaction was cancelled and refunded yet, PNC stole the refund money in parts as regular credit charge as if it was a new charge and thus, stole more and more money from me. They- PNC knows exactly what is going on! i have asking for dozens and hundreds of my transaction to be identified but they have refused and they state they can only tell me over the phone what my forex charge was but, ironically they dont know what the mid market rate and which mid-market rate they are using. they nothing but scammers at these banks ripping off american consumers that they know is fraudulant and deceptive. and its why XXXX XXXX XXXXXXXX, chase and others has been sued with class actions assisted by federal agencies for deceptive trade practices and willful violations of federal bank laws and consumer protection laws. 

as of of this date, there has been no copy of documents for my claim filing of dispute with the bank. every bank is known by law to provide a dispute claim document when it is filed with bank. but this pnc has refused to followup the laws of consumer banking and federal laws. and this is why so many evil companies in the XXXX go bust and because of its dark

Company response to consumer: Closed with explanation