Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #6641336
Complaint Overview
Complaint ID: 6641336
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: Texas
ZIP Code: 75228
Date Received: 2023-03-02T12:00:00-05:00
Date Sent to Company: 2023-03-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a subscription customer of XXXX, which charges a monthly fee of {$32.00}, while you keep your subscription, members are sent cologne/perfume sample size containers per member 's choice that are selected from XXXX XXXX catalog listings. I joined this service on XX/XX/XXXX. In I canceled my subscription after 29 boxes were received. I canceled the subscription on XX/XX/XXXX, with scentbox through my scentbox portal. My online account at XXXX shows the status of my account to be " EXPIRED '' and states that I would have to reactive the account. However, with this cancellation being complete it, in fact, end a consumer relationship with scentbox and revoked the authorization for them to continue debiting my account at PNC Bank. Furthermore, unfortunately, this was not the case. XXXX continued to auto-debit my account after the authorization revocation. XXXX XXXX debited my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$32.00} totaling {$490.00} stolen from my account since I am not a member and NOT receiving any goods or services for this money since I canceled the account and have that documentation. I have attempted to contact the number listed under customer service for scentbox and am told there is no one for me to talk to about the matter. I then to PNC Bank and spoke with a banker who filed a dispute of these charges but never kept or made copies of the documentation that I brought with me to give the PNC banker. I honestly do not even think she looked at any of the documentation I had. I was given a provisional credit but whatever scentbox said to PNC they reversed the provisional credits on XX/XX/XXXX even with the account documentation I have straight from XXXX 's account for my account being closed. The banker even told me that I could not revoke authorization for them to debit my account even though federal law states that I have notified them that they do need to stop them from debiting my account. This is my last ditch effort to resolve this issue and get my money back otherwise I will be forced to take legal action as the remedy.
Frequently Asked Questions
What is Complaint #6641336 about?
Complaint #6641336 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2023-03-02T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.