Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I went on XXXX XXXX to purchase a shed on Friday, XX/XX/2021. I found a supposed person selling a shed on XXXX who had pictures of the shed, the location of the shed, the person 's supposed location and picture, the person 's supposed XXXX account and even the name and picture of the trailer court in XXXX, OH that the shed was located at. I then purchased the shed for {$900.00} using my bank 's debit card on XX/XX/2021. The person then sent me many messages on XXXX XXXX describing the loading of the shed, the transportation of the shed and told me many times that they are in the business of selling and transporting sheds and that they have done it many times and it is their main source of work and employment. They said many times that they would use a large truck and trailer to haul the shed to my address, sent me pictures of the large truck and trailer that they would be using and that they would be unloading the shed at my residence and would even be bringing 2 other co-workers to help put the shed in my yard. I checked many times on XXXX XXXX XXXX XXXX, for how the loading and transportation of the shed was going and the person kept telling me that they were working hard to load the shed. I was sent pictures of the supposed shed loaded on the trailer. I was told on XX/XX/2021, that the person and 2 co-workers were leaving the XXXX, OH location and that it would take an hour and 15 minutes for them to arrive at my location. I was told by them that it would take several hours for them to unload the shed, put the shed in my yard and balance the shed in my yard properly. When the person told me they were 30 minutes from my location, they said they would be needing some more products ( XXXX bricks to put the shed on top of to balance it properly in my yard XXXX from XXXX XXXX. They told me they were at XXXX XXXX and that they purchased the XXXX bricks for {$100.00}. I therefore conducted another transaction with the person for {$100.00} to purchase products from XXXX XXXX. The person sent me many messages about this entire process along with pictures of the shed 's loading and transportation. However, the person never showed up and delivered the shed or bricks. I kept messaging them and they said they were being delayed but then the messages stopped and I didn't receive anymore replies from them. I then realized that I have been the victim of a horrible fraudulent transaction that covered the span of 3 days. I then contacted XXXX XXXX and was shocked and disgusted to learn that they had no protection for me for this fraudulent transaction and said they couldn't refund my {$1000.00}. I then contacted the police and filed a lengthy report with them. The police officer mentioned to me that it certainly looked like a horrible fraudulent scam and that in their opinion I should be able to get my money back from the bank for the fraud perpetrated on me. It is a detailed police report and included the entire XXXX XXXX conversation, many pictures I was sent by the scam XXXX and the supposed seller 's XXXX information from their account. I then contacted my bank and requested the bank to put a stop payment order on the pending transaction. I was told by the bank that I couldn't put a stop payment order on the pending transaction and that I needed to file a fraud claim with the bank, which I did. I was told that they thought I would get a refund of my money within 2 weeks. I was therefore shocked and devastated to learn that my bank would not reimburse me any money for the transaction. They said it was a valid transaction and that I had no remedy with them. After the shock of this, I lastly asked the bank to do a chargeback for the 2 transactions, but so far the bank hasn't responded to my chargeback request. I am a hard-working mother of XXXX who is on a fixed, limited income and losing {$1000.00} to a fraudulent con-artist, crook who conned me over a period of 3 days is something I just can't financially afford. I am certain that the bank should acknowledge the 2 transactions as fraudulent activity and reimburse me for the {$1000.00} and was shocked to hear them say they can't help me and reimburse me. Your honorable bureau is therefore my last hope to help me recover my funds from the bank and I therefore beg you for your help!! Please help me!!

Company response to consumer: Closed with explanation