Money transfer, virtual currency, or money service -- Money was not available when promised -- Complaint #5131776

Complaint Overview

Complaint ID: 5131776

Company: PNC Bank N.A.

Product: Money transfer, virtual currency, or money service

Sub-Product: Virtual currency

Issue: Money was not available when promised

State: Pennsylvania

ZIP Code: 156XX

Date Received: 2022-01-20T12:00:00-05:00

Date Sent to Company: 2022-01-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I listed merchandise for sale on XXXX XXXX XXXX. It was XXXX XXXX and XXXX products such as a mouse, keyboards, mouse pad, headphones and a monitor for {$700.00}. I received a message on XXXX messenger from XXXX XXXX that he was interested in the products. We conversed and he asked if I would be able to ship it over to him. So i decided that I would. He gave me his address which is XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. I agreed to front the shipping cost and he said that he would pay me for the products and the shipping cost once the product gets there. Totaling {$1100.00}. HE notified me that the product was delivered and told me that he would pay me via XXXX. I then received an email with a statement from XXXX with Bank XXXX XXXX that I am receiving {$2600.00} but I will have to refund {$1500.00} in return, in order to receive the {$2600.00}. So he provided me with the email XXXX for his XXXX account. I sent him {$1000.00} from my PNC Bank checking account because thats all I had and emailed XXXX ( what i thought was XXXX XXXX and told them that there is a {$1000.00} daily limit for transfers and asked what I could do to cover the rest. They told me to buy a {$500.00} gift cards and send it to XXXX so he can tell XXXX that he received the money. I went to XXXX XXXX and purchased a {$500.00} XXXX XXXX XXXX. After that XXXX told me that the gift cards didnt work. I went back to XXXX XXXX to explain that the card was bad but they assured me that its all good from their end and its probably something on XXXX 's end. So I went back to XXXX XXXX and used my XXXX XXXX Bank credit cards and purchased two {$200.00} and one {$100.00} XXXX gift cards. I sent the pictures of the receipt and the codes over to him. He told me that none of those gift cards are working and sent me a picture of the error code and told me that XXXX XXXX is selling bad cards. So I then went to XXXX and purchased 5 {$100.00} XXXX XXXX cards with my XXXX Credit card and sent him the individual codes with the receipts. He told me that 3 of the 5 worked and to get another {$200.00} worth of gift cards. But then suggested to get 3 in case one didnt work. So I went back to target and purchased another {$100.00} XXXX XXXX XXXX and XXXX {$100.00} XXXXXXXX XXXX Gift cards with my XXXX XXXX Credit card and send him the receipts with the codes. So he told me that only the XXXX XXXX XXXX worked and asked that I would get another {$200.00} just in case one of them didnt work. So I went back to XXXX and bought two {$100.00} XXXX XXXX XXXX XXXX with my XXXX XXXX Credit Card. He notified me that he sent everything to XXXX and waiting for their response. The next day He then told me that XXXX tried sending the money but they are having technical issues with my account so they would need another {$400.00} XXXX XXXX XXXX to be able to complete the transaction. So I went to XXXX and purchased {$100.00} XXXX Gift card with XXXX Bank Credit card and another {$100.00} XXXX Gift Card with XXXX XXXX Credit Card. Send those over to him with the codes. After that they still needed another {$200.00}. So I reached out to my girlfriend asking her if she would help me out. She asked me that I would need to get something in writing that this is legit. So I emailed the XXXX Email that i was in contact with and they told me that if i send another {$200.00} it would be credited back. My girlfriend was not convinced and asked me to call them. So I called XXXX XXXX XXXX which i thought was XXXX and talked to someone and asked them if this transaction was legit and they told me that it was. So my girlfriend gave me her debit card and i went to XXXX XXXX and purchased two {$100.00} XXXX Gift cards and sent those over to XXXX. He told me that everything should be all settled and that i should be hearing from XXXX within 24hrs. Ive never worked with XXXX before so I wasnt sure how their whole proccess worked. I tried contacting XXXX while all of this was happening but I couldnt get through to talk to someone. After he told me to wait that night i messaged him and asked if he has heard anything from XXXX and he said that he has not and that I should received that day. Every since those two message exchanges ive never heard from him and seemed to me that his messenger profile was deactivated.

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

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