Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, i was scammed by phone scammers pretending to be a loan company. They went on to my online banking through PNC, where they filed disputes for my at the time recent transactions. Due to PNC 's policies, PNC sent my account a temporary dispute credit, the scammers then sent that credit to themselves via XXXX and PNC Mobile Banking. I notified PNC immediately after this occured and requested a refund from the XXXX  account that the funds were sent to as instructed to by PNC as well as starting a dispute on XXXX  about the transaction. As PNC was investigating the dispute I was due to be paid my paycheck from my job and wasnt able to change the direct deposit bank account in time for payday which was that same week. I raised the concern over this to PNC as they had froze my account at that time. PNC told me to not worry and they would make sure that the funds would be there from my job and to come into my local branch that XXXX  where they would lift the freeze, withdraw my funds, and give them to me to put into another account and then they would re-freeze my account. Once i arrived to the branch that Saturday I was informed that the funds were instead unfroze earlier that week and allowed to be processed as a deposit that inturn covered PNC on the dispute charges. I had to argue to get them to understand what they did and how they had done the exact opposite of what they promised and still all they did was give me the measly {$100.00} left of my paycheck to survive the next XXXX weeks on. I continued to call after 18 days without an update from anyone on my dispute. It was then early XXXX when i happened to check my bank account seeing that on XX/XX/year> there was another reversal on the dispute that was made and i was never even called or sent a email or notification about. I didnt trust them anymore so i called and asked about the new reversal as i saw there was a positive {$1100.00} in my account. I specifically asked if there would be any further investigation on my dispute or if i was safe to have my money back which would of been my literal paycheck that they took from me. I was informed by a PNC Fraud Specialist as well as XXXX other representatives that the dispute process was complete and that by no means would there be any other finding or change to the finding in the future. So i then followed the instructions the Fraud specialist told me which was to take out the money and put it into my new account just in case. Everything was fine until XX/XX/year> when for some reason at XXXX XXXX  on a Saturday PNC decided to go and do another reversal on the account. ive been in contact with PNC since XX/XX/year> about this new issue and started a new dispute about it and they tell me i cant do anything about getting help while transfering me around to all kinds of people who all have me go through verification process just to tell me that they dont know anything and cant tell me anything. Then they said that XXXX  made the decision and that i need to call them, so i did. XXXX told me that they wouldnt help me and when i told PNC they just keep putting me on hold. While typing this ive been on hold for a supervisor at PNC for XXXX minutes. I told PNC right after this all started and i feel they arent upholding the policies that protect me the consumer.

Company response to consumer: Closed with explanation