Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank * * Issue Type : * * Debit card dispute / chargeback handling ( Merchandise/Services Not Received ) I am filing this complaint regarding PNC Banks handling of my XXXX-branded debit card dispute for a purchase where I * * never received the merchandise * *. * I used my * * Visa debit card * * to make a purchase on a legitimate website ( XXXX ) for musical equipment. * * * Order # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Total charged : * * * * {$4500.00} * * * * * Only {$15.00} was refunded * * * * * Remaining disputed amount : * * * * {$4400.00} * * * The merchandise was * * never delivered * *. This is a * * Merchandise/Services Not Received ( Goods Not Received ) * * dispute, and I have also documented fraudulent tracking concerns and related fraud indicators. XXXX XXXX XXXX Why I am complaining about PNC PNC has treated this matter as though the fact that the transaction processed through an intermediary/payment processor means the dispute was properly denied. I was told by phone that the intermediary transaction was fine, but that does not address the actual dispute reason : * * I did not receive the goods * *. I also received a call * * today * * from PNCs Executive Office stating that PNCs prior decision was correct and that the case was closed. During that call : * I explained I used a Visa-branded debit card on a legitimate website and * * never received the product * *. * I stated that I dispute PNCs conclusion and that I did nothing wrong. * I was told, in substance, that if I was a victim of fraud, it was my fault/responsibility and that nothing more could be done. * I was then told the case could no longer be discussed and was closed. PNC has * * not yet provided me written documentation * * of the denial/closure decision, despite my request. # # # Supporting evidence ( available and/or attached ) I have documentation supporting my position, including : * Police report documenting non-delivery, fraud indicators, and dispute-related impersonation attempt ; * FTC fraud report confirmation ; * Reverb correspondence showing the seller was flagged/reviewed by their Trust & Safety team and refund-related communications ; XXXX XXXX correspondence confirming the dispute was routed to/handled XXXX the financial institution; * Screenshots showing refund activity and fraud-related communications . I am requesting that PNC : Re-open and properly investigate this dispute as Merchandise/Services Not Received ( Goods Not Received ) ; Provide the written denial/closure determination and the specific reason/basis for the decision ; Provide the investigation findings relied upon, including any proof of delivery reviewed ( recipient name/address match, signature/POD details, package weight/dimensions, and delivery scan details if applicable ) ; Reverse the remaining disputed amount of {$4400.00} if PNC can not prove valid delivery to me. PNC should not deny this dispute simply because the transaction was processed through an intermediary when the actual issue is that the goods were never received.

Company response to consumer: Closed with explanation