Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I bank with PNC Bank here in XXXX XXXX California. I purchased an item from XXXX that was defective I filed several disputes with PNC before and we were able to resolve them. No problem. The amount was about {$1700.00} on this particular dispute which was a great amount. Pnc requested written information for me and I was not able to provide due to my illiteracy. So we communicated on a better way to resolve the investigation and additional information needed. The plan was to go into the bank and customer service agent was going to help me fill out necessary information to help me with the investigation. They were supposed to send me some paperwork.. It did not and when I spoke to the agent she said that she has yet to send it. The issue is that they took out my state income tax of {$800.00} and we are still working on the dispute which they should not have done. Below is an email I sent them on their fraud department so that they understand the particulars of what is happening. The agents I spoke with did not seem to want to help me and we're not writing down my concerns as I asked them. 

" I am currently disputing a charge with XXXX. During this dispute there is investigation that is launched. Certain information is required in order for this investigation to be complete. If it's not complete thereafter it is closed/denied. But it can be reopened and in which case my case it was. So that I may get help filling out the paperwork. During these times no funds should be taken out even with provisionary credit given until an investigation is complete again unless the investigation is denied which it was in my case but then immediately reopened. There was {$130.00} or so taken out during the time that it was denied. Understandable. But when I spoke to the representative it was opened and, we will be working together to figure this out with a bank associate. Is my understanding. A day or two after I my state income tax was taken out of my account even after already setting this up with an associate of yours to be assisted do to my, illiteracy ( currently have help brighten this ). We are clearly still investigating and still working together on this so there should be no funds removed from my account. I spoke to a few associates who were attempting to hang up on me and isolate this current situation. They're very rude, short and attempted to hang up on me on several occasions. They refuse to help me and write down accurate information. When I said the particulars of how this money was taken out of my account and that it shouldn't have, I asked if the associate by the name of, XXXX who is part of the escalation department could accurately write down that this investigation was reopened and those funds shouldn't have been taken out after we have reopened it. She told me that she wrote down that, 'I was just not happy with the dispute process ' and she would not write down the details. This dispute is clearly being isolated and I am not being helped as a customer and now I am becoming a victim of theft and poor mistreatment for my own Bank. I myself do document everything properly and would like to speak with someone that can actually help me and understand what just happened. I would like a phone call but would also like a response through this email. Thank you very much. 


Sincerely, XXXX " That was the email I sent them. Please help me obtain my funds back. Thank you very much for your time.

Company response to consumer: Closed with explanation