Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On or about XXXX XXXX XXXX  I noticed a unauthorized charge on my account so I filed a dispute that was denied saying there is a history of charges at the location so I filed a XXXX dispute saying I've never been to this place and they denied it again for the same reason. I called them and that's when I found out there was another charge XXXX month prior. If I was just going to fraudulent leave dispute it I would've disputed both originally. I file a third dispute for both charges and they say it was expedited. I reveied a call XX/XX/XXXX I guess from the investigator and I told him I don't even know what business this was. The only thing i'm the transaction is an address that brings you to a shopping center. I told him I haven't been in that shopping center in at least a decade. It was a foreign a t m charge for {$310.00}. I told him I don't know any ATM except PNC that gives {$10.00} bills. The man on the phone told me yeah im right because There aren't any a t XXXX around here that will give you anything except a {$20.00} only PNC gives XXXX and XXXX. I bank with p n c so it wouldn't be a foreign atm and my local bank is right around the corner. I told them if they go through my bank account they will see I avoid foreign a t m thieves like the plague. Day one I told them if you find out who did it I will prosecute. I told them I would submit my phone 's GPS information showing. I haven't even been in that shopping center parking lot. I definitely did n't drive past my bank, pass XXXX other banks with drive thru ATMS in the same shopping center parking lot, park my card, go into a random store and use their atm. This should have been very simple. As of now they have denied XXXX  or XXXX  separate disputes. The XXXX  dispute they deny because I didn't dispute both charges. I'm on XXXX. I get paid once a month {$960.00}. They took over one XXXX  of my month of money right before the holidays. The XXXX  XXXX  dispute letters they sent me didn't even show any purchase history. The one I got today actually shows them. Obviously if I was up to something shady I would've filed disputes on both. All I should've had to do was file the dispute. My grandfather banks with them as well. And he got hacked for {$5000.00} after I did and they gave the money right back. I'm only out like {$350.00}. Obviously my account got hacked before I realized it. I was sick all week on the last transaction so I only went to XXXX  places that week. It was real easy to realize I didn't do that. It's impossible somebody stole my debit card and then replace it without me knowing. It wasn't anybody I would know. I live in the XXXX area where hackers are professional and they can wirelessly steal your information. They just had a big problem around here where hackers hacked a t XXXX and had them spit out all the cash. For {$19.00} you can go on XXXX and buy a thing that steels people 's debit card numbers. I just saw it in a major podcast. You can go look for it it's called a XXXX XXXX show on XXXX with the hacker who exposed XXXX. At the very least, they could have figured out what location it was in the shopping center and maybe contacted them or asked for security camera footage. When you XXXX, the address is your shows on nail salon but it could be any of the other XXXX XXXX  businesses. All I know is I haven't even driven in their parking lot. In at least a decade, maybe XXXX. They haven't had a store in that shopping center I would shop at since I was a child. I'm not exaggerating when I say my local p n c branch is right around the corner. I would have to go out of my way to use that for an A.TM. Even when i'm out of town I still go to a p n c. All I know is that this was absolutely a fraudulent charge. And they just keep denying it saying there was more than XXXX  so there was no errors found. Well what if you get hocked and don't find out for a couple months? The bank never catches it so you find out after multiple charges. Are you just out that money? I could almost understand if I have a history of violinist disputes but I don't. They took XXXX XXXX  of my money for XXXX and the holidays on like XX/XX/XXXX and won't give it back. I filed another dispute with them today and told them. I'm not gon na stop because i'm not letting them just steal that money. I went to XXXX stores that entire week and it wasn't that one. They're not going to look at my phone 's XXXX  date but I wish they would. That would be a real easy way to prove it. The keep erroneously denying my legit provable dispute. You're not getting a XXXX dollar bill from some stores a t m. It doesn't happen. They tested the waters a month prior. It was a smaller transaction that I did not notice. I can't afford this. I haven't paid rent from last year. When I get a evicted because they won't do their job. What am I supposed to do?

Company response to consumer: Closed with explanation