Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #10872815

Complaint Overview

Complaint ID: 10872815

Company: PNC Bank N.A.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Sub-Issue: Transaction was not authorized

State: Pennsylvania

ZIP Code: 15650

Date Received: 2024-11-18T12:00:00-05:00

Date Sent to Company: 2024-11-18T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

The incident happened on XX/XX/year>, and they have recently must come to a decision as of XX/XX/year>. I have been undergoing Identity theft since XXXX of XXXX. At the time, I first saw fraud happen across all of my bank accounts. I had mail come up missing. I was dropped off my healthcare because my account was emptied. I had to verify my identity with agencies such as the IRS again. It was a lot. I worked in conjunction with a detective. He very simply stated by the end of it, that these transactions were coming across seas by people they could not do anything about. I have had fraudulent charges probably half of the months this year. Ive seen fraud in XXXX, XXXX, XXXX, food places, online casinos, and so on. Ive seen money getting leaked out of things I casually do own or use, but I wasnt the one purchasing them. It all started back in XX/XX/year>, when I provided my mother my social security so she could make me a beneficiary on her XXXX. From that point on, I began getting scammed text messages. I began getting random phone calls. I began getting a bunch of links to click on. Each and every time moving forward it seemed like it was easier for my stuff to be compromised. Fast forward back to XX/XX/year>. I was super confident I provided PNC enough information that I did not make some of the charges that were present on my account. I gave them screen logs, time stamps, notifications from both them and the merchant of suspicious activity, I showed them the prior fraud attempts. The list goes on of what I provided them, and I kept providing them information as the investigation proceeded. Then, I come to find out on XX/XX/year>, that they plan to take out all of their provisional credit and the only reason on the sheet was because of documentation provided by the merchant, and I didnt get to see any of that. I didnt even get to plea my case. The other banks I had in the past fought for me and got me my money back. They helped me as the consumer. I have had so much difficulty in my life as a XXXX XXXX. I live on my own. I have no family who supports me. The people who know me, know Id not spend these ridiculous amounts in transactions. Ive fought so hard and so diligently, but at the end of the day it all feels like it is for nothing and there is no path forward. I can take 1 step forward but theres always going to be something that takes me 10 steps backwards. I just dont know what it takes to get by in this world because it doesnt feel like hardwork.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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