Consumer complaint received 2024-10-04 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: OH

Complaint narrative:
Back in XX/XX/year> I originally noticed withdrawals from my account. I googled the companies name found the email address sent over request of a refund. Via email I also explained that they had the wrong person. I did not authorize any use for my account to be used for the membership and for it to be canceled. They sent over an email stating that the refund will be issued and whatever membership this was will be canceled. It did show deposits to my account for the withdrawal transactions that they had made. I thought the issue had been fixed further down the line. I noticed that they were withdrawing from my account still and have been for months. I try emailing again, never got the appropriate response. They responded that they will refund me, but never received the refund at that point I turned to my bank to follow dispute went in person started my dispute. From the bank teller when I file my dispute in XX/XX/year> she did research on my account and noticed that they have been continuously, withdrawing the amount for my account as well as, changing their merchant name and withdrawn the same exact amount under a different name she collected all that information and due to two different merchant names set up a dispute for both merchants names the one equal up to {$290.00}. The other that they withdraw under a different merchant name total equal up to {$260.00}, I will get a credit situated. I only received the credit of one charge of {$29.00} when I called back the teller can not explain why I only received that one credit.she then gave me a one XXXX number for customer service. I contacted customer service and explained the situation with the dispute she explained the first dispute of the amount of {$290.00} was done incorrectly, she fixed it and resubmitted the dispute. And told me that I would not be eligible for a prevalent credit until 10 days after the dispute. Within the 10 days, I received letters that they was not going to approve my dispute due to timely manner. They only allow a timeframe of going back 90 days. I called for it to be explain to me how the fact that I have spoke to someone in person as well as two people over the phone pertaining the disputes and no one had told me about their timeframe and eligibility on how far back they can do a dispute. It was told to me that oh it was within the paperwork when I first started my account a few years ago as well as I wanted them to explain why wouldnt all of their employers one in the branch and two over the phone create the dispute going all the way back to XX/XX/year> if they were aware of this policy. All the withdraws that was done fraudulently the reason they was added to the dispute if they knew ahead of time about the 60 day policy. I tried explaining to the customer service of dispute that originally I thought the situation was taken care of, and it wasnt brought to my attention that they was continuously withdrawing for my account until months later and thats when I brought it into the branch to be fixed and for me to get my money back because it was a fraudulent act And they can not do anything but apologize that is their policy which I should have known ahead of time. As well as I want her to explain to me, why am I being held to a policy that the workers did not know for them to investigate and add those transactions to a dispute if they knew the policy could only go back 60 days. I dont understand why I cant get my money back due to the fact that it doesnt matter the dates of the transaction theyre all was done fraudulently, and if you rewarded me part of it, I shouldve been rewarded all of the funds because it was all done under the same act regardless of the timeframe.

Company response to consumer: Closed with explanation