Consumer complaint received 2026-04-02 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: FL

Complaint narrative:
On XX/XX/XXXX I recieved an automated phone call from PNC 's fraud deparetment stating unusal activity on my account. I called the bank and they informed me I needed to come into the bank. The same day I went into the bank and gave them the debit card associated with the account. I met with XXXX, who completed a fraud report and issued me a new card. I asked XXXX if I needed to contact the police, he said, " No we will take care of everything ''. According to the online bank statement the following amounts were purchased with my debit card number. XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$78.00} XXXX. XX/XX/XXXX {$12.00} XXXX XXXX, XX/XX/XXXX {$40.00} XXXX. I did not make these purchases, nor did I approve the use of my account to make purchases. PNC provided provisional refunds to my account. On XX/XX/XXXX, PNC mailed me XXXX letters stating they had completed their investigation and that due to " Transactions details and customer 's historical pattern of use '', all but the {$12.00} purchase was deducted from my account, leaving my account minus {$610.00}. When I recieved this info it was XX/XX/XXXX, on XX/XX/XXXX I contacted XXXX Police Department, and at the request of XXXX XXXX, I reached out to XXXX, XXXX, XXXX and XXXX. I was able to obtain copies of the reciepts from XXXX and XXXX and requested video footage, which was denied, but was told it was available to the police. The police report number is XXXX. I returned to PNC Bank to dispute the charges with a copy of the police report, I met with XXXX again and he submitted another report. On XX/XX/XXXX, PNC mailed another letter denying my request for a refund stating the same reasons as before. Again I did not provide my card nor approve anyone using my account to make these purchases. I am confused at why the refunded me the smallest amount {$12.00} as it was a part of the fraud, but did not refund the full {$610.00} which was taken at the same time. I am getting fees associated with the removal of the funds. I feel like they are ignoring my request to refund my money and its causing issues for me financially. As of XX/XX/XXXX, the XXXX has not received any phone calls or written request for information from the Bank or any other agency in regards to this event. Likewise XXXX has not received any request. The bank is stating that because I previously shopped at XXXX and XXXX that it had to be me that used the card. During " My '' investigation, I found that during the year of XXXX, I used the card twice at XXXX and once at XXXX, this hardly establishes an accurate pattern of use. Also after reviewing my account, I have never used the credit card feature bypassing my pin number, which is what the person did. I have seen the video footage of the person at XXXX. PNC has not done the investigative work that they claimed in their denial letters. This is not fair nor legal.

Company response to consumer: Closed with explanation