Consumer complaint received 2025-07-17 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:
DO NOT BANK WITH PNC... I'm writing this complaint in connection with the first complaint I wrote and after speaking to an executive and being blatantly lied to. In between XX/XX/XXXX and XX/XX/XXXX there were several fraudulent charges from my debit card from XXXX XXXX. I have never had a XXXX XXXX  account. When I saw these transactions I called to report them immediately. Due to several transactions still pending I had to call back multiple times to dispute the ones that were still pending as they posted. Before being able to dispute all transactions which took 3 days, my claims were all denied. I requested to have my dispute escalated to which I was denied and told I wasn't allowed to escalate or reopen the claim. After my first complaint to cfpb I was contacted by an executive named XXXX. She was not helpful at all and refused to give me any information. She continued to say the same thing over and over, " the department found the charges to be valid so the claims were denied. '' After asking her 5 times to stop telling me the claims were denied because I obviously know that, and specifically asking WHAT IS THE REASON THE CHARGES WERE FOUND TO BE VALID. She finally told me that the reason was because cash app verified the charges and that they were done by me, and that I needed to dispute the charges with XXXX XXXX themselves.. So I called XXXX XXXX and was able to speak to a supervisor on XX/XX/XXXX. The supervisor informed me in his own words, that the executive at PNC was lying. He stated that first they never verified that these transactions were done by me, secondly he said there is no mechanism for me to dispute the charges with XXXX XXXX  because I don't have a XXXX XXXX account and I can only dispute them with my bank because I don't have a XXXX XXXX account. He also stated that they only communicate with banks electronically and not by phone. He said so if PNC is saying that we ( XXXX XXXX ) told them these transactions were valid request for them to send you the documentation of us telling PNC this. He assured me that PNC won't be able to provide this documentation because they are lying about XXXX XXXX verifying these transactions. So I am now through the cfpb requesting the documentation PNC says they have from XXXX XXXX  verifying these transactions. I'm also again requesting the documentation of the investigation and a reason in writing for denying my claim. The executive XXXX refused to give me this documentation as requested. Stating that a letter was sent out with the information requested. However the letter I received from PNC to the contrary doesn't have this information I requested. Under the section where it's says " reason claim denied '' it is left blank with no explanation at all. And there are also in investigation documentation included. And her response is, we can't give you any information. I now know that she can't give me the information because they don't have it and are lying in an effort to further this fraud and not replace my money. Also PNC did not include all the transactions I disputed in my claim as there were 21 transactions and the letter PNC sent me lists only 15 transactions being disputed.

Company response to consumer: Closed with explanation