Consumer complaint received 2021-05-14 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: VA

Complaint narrative:
My biggest concern is that PNC Banks, XXXX, VA branch did not complete a credit fraud investigation on my behalf when I reported {$3700.00} in credit fraud to PNC in person and " in a written statement '' to branch manager XXXX XXXX ( XXXX ) on XX/XX/XXXX. After this, PNC told me that they would investigate these fraud charges and attempt to recover my money. I have not seen any evidence that PNC called, emailed, or made any attempts to contact these companies. PNC has not protected me as a consumer, and I would like to escalate these concerns. 

My check card which represents our non-profit organization XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that provides clothes to the XXXX in D.C. All of the fraud charges were made to international ( not US ) athletic companies that organize marathons and running races and have nothing to do with our work of serving the XXXX. A quick review of our purchase history for the past 3 years will show that we ONLY buy winter coats, hats, gloves, and toiletries / food for the XXXX. I and my non-profit organization XXXX XXXX did not authorize any of these purchases. My card is still in my possession and I never gave my card to any family members or friends who could have made these purchases ( not friendly / family fraud ). 

Furthermore I have no evidence that PNC even reviewed my claims ( no evidence of searching ( Timestamps, geolocation, IP addresses, or previous purchase history which easily proves that these purchases do not align with the IRS guidelines for our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that serves the XXXX ). I have also filed a police report of all these disputes with the XXXX County Police Department to further establish the legitimacy of these disputes. 

Ms. XXXX from PNC corporate office ( XXXX ) has been calling me each week with no further evidence of any actions on PNC to escalate my concerns or research my claims. All they keep saying is that the purchases were made outside of the 60 day time period- which is not true. 90 % of the charges were all made within the dates ( XX/XX/XXXX and XX/XX/XXXX ) which is within the 60 day timeline of when I submitted the claim in writing to PNC Branch Manager XXXX XXXX. I am hoping that the Consumer Financial Protection Bureau can help to protect our fundraising money that was scheduled to purchase 100 winter coats, hats, gloves, and toiletry kits for the XXXX this next winter of XXXX. Help please ... ( I understand there are a few isolated charges outside of the 60 days ), but almost all of the purchases below were within the 60 day timeline as shown in my notes ... 

I have also reached out to the following organizations on my own since PNC failed to advocate on my behalf, but nothing has been resolved ( someone or these companies have charged thousands of dollars without my authorization ) ... 

1. XXXX  ( XXXX : XXXX XXXX XXXX XXXX XXXX ) -Fraud Charge made on XX/XX/XXXX( amount {$31.00} ) -I understand that this charge was made outside of the 60 days and is not protected.

2. XXXX XXXX XXXX ( XXXX  : /XXXX  ) -12 fraud check charges made totaling {$270.00} between the dates of XX/XX/XXXX XX/XX/XXXX : Details- ( XX/XX/XXXX {$43.00} ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} onXX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$79.00} on XX/XX/XXXX ) + ( {$68.00} on XX/XX/XXXX ) + ( {$44.00} on XX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX) = {$270.00} 60 Day Timeline : {$200.00} of these credit fraud charges were made between XX/XX/XXXX and XX/XX/XXXX and should be protected because I reported this to PNC on XX/XX/XXXX. The fact that I as a personal consumer missed a few small charges on 3 dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) does not void my protections betweenXX/XX/XXXX XX/XX/XXXX.

3. XXXX ( XXXX XXXX XXXX ) -12 Fraud Check Card Charges totaling {$2200.00} made between the dates ofXX/XX/XXXX XX/XX/XXXX : Details : ( {$110.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$200.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} onXX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} onXX/XX/XXXX ) 60 Day Timeline : {$2100.00} of these charges were made between XX/XX/XXXX andXX/XX/XXXX and should be fully protected as part of my consumer protections since I reported these fraud charges to PNC on XX/XX/XXXX. The mere fact that I missed 1 fraud charge onXX/XX/XXXX does not void my protections between XX/XX/XXXX and XX/XX/XXXX.

4. XXXX XXXX ( XXXX XXXX XXXX  ) -14 total charges between XX/XX/XXXX and 3/2/21 totaling= {$1000.00} ( please note that 12 of the 14 charges occurred onXX/XX/XXXX ) ( {$44.00} ONXX/XX/XXXX) + ( {$44.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) 60 Day Timeline- The purchases made betweenXX/XX/XXXX and XX/XX/XXXX total {$950.00} ( 12 of the 14 transactions shown above. The fact that I as a consumer missed the first two fraud charges onXX/XX/XXXX andXX/XX/XXXX does not void my protections betweenXX/XX/XXXX XX/XX/XXXX since I reported these fraud charges to PNC on XX/XX/XXXX.

5. XXXX ( XXXX XXXX XXXX ) -1 charge for {$120.00} on XX/XX/XXXX- Notes- I could not find any other charges from this organization, but if there are any other charges from this organization they too are fraudulent. 60 Day Timeline- this purchase should be refunded- definitely within 60 days of XX/XX/XXXX and was reported to PNC on XX/XX/XXXX

Company response to consumer: Closed with monetary relief