Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/year>, XXXX charges were made to my PNC XXXX credit card ( previous card ending in XXXX ) from a merchant listed as XXXX XXXX for {$4100.00} and {$660.00}. While traveling in XXXX, XXXX, I met an individual and a few of their friends at a bar. They invited me to continue socializing at another location, and I traveled with them to what appeared to be a private residence. The location did not appear to be a traditional nightclub or business establishment. I later learned through my bank that the charges were processed under the name XXXX XXXX in the XXXX area of XXXX. While at that location, I believe I was drugged and became significantly impaired. While in that condition, the merchant or individuals present directed and pressured me to contact my bank and verbally verify a large credit card charge. Although I answered questions during the call, I was not capable of providing informed or voluntary consent due to my impaired condition and the pressure being placed on me at the time. I had a flight scheduled the following day and had intentionally limited my alcohol consumption because I needed to make my flight and had never traveled to XXXX before. The next morning, when I woke up and went to the airport, I realized something was wrong. While at the airport, I immediately locked and canceled my credit cards. The only transaction that occurred after the charges from XXXX XXXX was an XXXX ride to the airport. After returning home, I disputed the XXXX charges with PNC Bank and explained that the transactions occurred while I was incapacitated and under pressure from the merchant. I clarified that the verbal verification occurred while I was impaired and should not be treated as a valid authorization. PNC has denied the dispute multiple times. The denial appears to rely primarily on the fact that I verbally verified the charge during the call and that a later XXXX transaction occurred. However, my verification occurred while I was impaired and under pressure, and the XXXX ride was simply transportation to the airport the next morning after I became aware that something was wrong. Additionally, I have been unable to identify or locate a legitimate business listing for XXXX XXXX in XXXX in order to file a local police report, which further raises concerns about the legitimacy of the merchant. I am requesting a review of whether the bank conducted a reasonable investigation and properly considered the circumstances under which the authorization was obtained. Lastly, I would like to mention that during my dispute, PNC mentioned I did everything properly on my end as a consumer to protect myself after the situation happened. This has unfortunately happened to others who have traveled to XXXX after researching online. If there could be more warnings and precautions given to first-time traveling foreingers then I think this might help prevent some cases. I know it is announced for people who study abroad.

Company response to consumer: Closed with explanation