Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have a screen recorded video of the scammer and the person I physically know ( XXXX ) his instagram account was hacked and I didnt know and then I was referred to the XXXX account XXXX- who owns the XXXX XXXX who scammed me . 
I have many screenshots in addition too, but the videos are screen recordings of the whole conversation- the screen recording of the two conversations is like 5 or 6 mins long. 
Originally when I was messaging XXXX on XXXX ( someone I physically know and trust to a degree ), at the time ( XX/XX/XXXX ) I did not know he was hacked so I was talking to someone who was posing to be him and referred me to this account on XXXX XXXX who owns the XXXX  XXXX XXXX The videos I saw XXXX posting about was turn XXXX into XXXX in minutes ( when in reality it was taking days and then I figured out I was scammed ). So he referred me to XXXX aka XXXX. I talked with her and it was like a step by step process and she didn't give too much information other than sign up for this account with flipcoinstrade.com with the email you use your bank account with and then XXXX XXXX to get the account started for E-currency trading service to later get a profit then withdraw money. Then she was like you need to upgrade your plan, I tried asking about the different levels and what they do or mean. She gave very vague info and made this all seem like if you go for bronze you get more money when you buy a plan for XXXX when originally I wanted to do platinum. She put me in bronze but I never asked for that, just the information on the benefits of other levels. I thought I was going into platinum upgrade which was only {$2000.00} then I would be able to cash out. She never gave me a pin so I may take out my trade profit and she made me go into bronze which i never asked for and my XXXX also froze during this time bc I knew something shady was going on. She was trying to get me to send her more money for the bronze level by XXXX and XXXX and even a bitcoin ATM which I have never used in my life and I don't have a bitcoin account. The screenshots in the XXXX XXXX folder show this information and as well as the folder labeled " Screen recorded videos of conversation ''. During the times of these conversations on XXXX I was in contact with PNC Bank and XXXX about disputing these fraudulent transactions because I was tricked and scammed and given a fake service/ crypto currency account and I cant even take out the money I invested originally or any profit. 
When I first started the case with XXXX I was scared I wouldn't get this transaction disputed so I wasn't sure how to go about it, but I did say I don't know XXXX XXXX ( XXXX instagram ), and have never met this person in real life/ physically because I haven't and I know I was being scammed after 2 days in this process of talking to her ( XX/XX/XXXX, XX/XX/XXXX ). I have also been in contact with someone ( XXXX XXXX in screenshots in XXXX XXXX, who knows XXXX 's XXXX  account was hacked and that I was being scammed by ( Fake XXXX ) and XXXX  scammer XXXX ( XXXX XXXX ) XXXX 

I was able to get my XXXX transaction disputed and refunded by XXXX because they clearly saw I was scammed and refunded me the {$1000.00} on XXXX. However PNC Bank and XXXX which my PNC Bank app has XXXX within the app has not refunded me the {$2000.00} and denied my dispute. I would Like to file a complaint and get my money refunded to me or process a charge back. I called my bank had them cancel the debit card XXXX was linked to on XX/XX/XXXX, I filed a dispute with my bank on XX/XX/XXXX, and again on XX/XX/XXXX and so far I've been either waiting then the dispute is denied or I file again and keep waiting after submitting the evidence of the screenshots attached. On Thursday XX/XX/XXXX PNC denied my dispute because it was a XXXX transaction. 

I know this is a lengthy email but I am definitely concerned about the status of my cases PNC Bank and would be happy to call, video chat or provide any other information you need to get this transaction disputed. 

XXXX XXXX

Company response to consumer: Closed with monetary relief