Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, an unauthorized card-not-present charge in theamount of XXXX was posted to my PNC Bank debit account XXXX Thetransaction was processed through the XXXX  payment platform bymanually entering my debit card number. After performing a reverselookup on XXXX  website using the transaction details, I identified thecharge as coming from a business called XXXX XXXX XXXX XXXX contacted the business via text message and received a response XXXX XXXX XXXX ( phone number XXXX ), who admitted thatthe charge had been made by mistake and that a refund was beingprocessed. XXXX XXXX continues to communicate with me via text, claiming he is attempting to issue the refund through XXXX and that he isseeking funds to cover the reimbursement. Public records show that XXXX has a prior arrest for theft and a burglary charge in XXXX ( XXXX XXXX records ). His business or home address appears to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( based on XXXX search ). XXXX assurances, the refund has repeatedly failed to post, and my bank hasbeen unable to resolve the matter. I have opened formal disputes XXXX Bank, but the case has stalled as the merchant has allegedlyprovided documentation of services rendered, which I firmly dispute. XXXX also filed a police report with the XXXX XXXX Police ( XXXX : XXXX ) to document the incident as theft andunauthorized use of my debit card, and to provide supporting evidence forescalation with my financial institution. As an elder citizen, I rely on thesefunds to pay ongoing medical expenses related to a recent XXXX at XXXX of XXXX, and I respectfully request assistance inrecovering my money. Based on XXXX  XXXX website, the charge originated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The address is anapproximation ; I am basing it off from the map that is shown on theSquare website/platform showing a small map of where the transactiontook place ( where was the location where XXXX XXXX entered XXXX cardinformation manually into the XXXX platform ). PNC has been verydifficult to work with, despite multiple escalations ; no one has called meor contacted me. I have opened the case 4 times, and I have sent multipleemails to an email provided to me to send " evidence and support ''. As oftoday I would like to speak to someone directly to show all the evidenceand proof I have, to include the communications with the merchant whocontinues to give me runaround as I first tried to resolve it with himdirectly ( again, I do not know this person nor have ever done XXXX them, the information I gathered on him, I obtained through XXXX lookup of the charge, his business name, phone, and personaladdress, as well as arrest records for prior burglary charges ). The lastdispute ( supposed escalation ) with PNC Bank has reference number XXXX, I was told I would be called within XXXX hours, but XXXX happened ( dispute was reopened on XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief