Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
Good morning, I was recently a victim of fraud/theft ; this fraud included three separate amounts in my checking account that have been denied after I submitted a claim. I will provide you with further details regarding this unfortunate situation below : I was purchasing a brand new, sealed in box, XXXX XXXX, Unlocked, XXXX gb, in the color purple from XXXX XXXX. The person whom I was purchasing the phone from requested that I use XXXX as a form of payment and agreed to ship the product to me. This scammer first requested a payment of {$500.00} from me. However, she indicated that because this was our first transaction, that I would have to be the one to send the payment ( as opposed to her requesting the payment from me ) ; hence, a second amount of {$490.00} was sent ( the scammer said that the amount sent for first-time transactions could not be more than {$500.00} ). This person sent fake transcripts from a chat with XXXX saying that my first payment of {$500.00} would be refunded by the next business day ; the scammer also sent fake receipts from UPS showing the product as shipped. Additionally, I was scammed {$180.00} for another product from XXXX XXXX, which was for accessories for my new phone ; I was also sent proof of delivery for these products as well, which unfortunately were never received ( this payment was submitted through XXXX ). 

This is an extremely large amount of money withdrawn from my account as a young, working woman, totaling {$1100.00}. It is your duty as the Consumer Financial Protection Bureau ( CFPB ) to protect me from situations such as the ones mentioned. I am not ignorant of the fact that this transaction was authorized. However, there has been {$250.00} XXXX dollars in fraud from XXXX since XXXX ; since PNC has partnered with XXXX, I would hope that more protective measures would be in place, considering this great loss. 

When disputing these transactions with my financial institution, PNC bank, they were denied on XX/XX/XXXX - the dispute with the amount of {$180.00} needed additional information for review. However, there were measures that did not seem to be taken into consideration during my investigation which include : 1. Comparing the purchasing pattern for the claim, such as types, amounts, and purchases, with the consumer 's previous purchases ; you can see that I have never used XXXX nor XXXX XXXX prior to this incident. 

2. The place of delivery of the payment ( relative to my home ). 

3. Getting in touch with the other party that committed the fraud. 

According to Regulation E of the Electronic Fund Transfer Act of 1978, when someone is induced into giving money, even if it is agreed upon, it is the bank 's duty to replace the funds. 

I have filed a police report for this incident if you would like to use the following case number to assist with this dispute : XXXX. 

I am requesting that you further look into my disputes and provide me with a reimbursement. Thank you and I look forward to hearing from you. 

Thank you very much for your time,

Company response to consumer: Closed with explanation