PNC

After this experience with PNC it appears we don’t make enough money for them to care about our business.
At the end of June we had a transaction for roughly $ 75 appear on our PNC account. We called immediately to let them know that it wasn’t made by us, but it hadn’t posted yet so they couldn’t do anything, We understand that is how it works so we waited and called the next day when it posted. All we could tell was that it was a purchase made on my card through a Paypal gateway (not through a Paypal account). They sent it to their dispute department, credited it back to our account, and would get back to us.
After a few weeks we got a letter in the mail letting us know that they have reviewed the transaction and found it to be legitimate and were pulling the $ 75 back out. I called the next day and told them it still wasn’t us and that I needed more information. I was told that we purchased product and it was shipped and delivered to us, but they couldn’t tell us what it was or give us any other information. I had them open the dispute back up and give us the information they used to make their decision.
A couple weeks later we received a packet in the mail with another letter stating they had found the purchase to be legit. Looking through the papers enclosed it was disgustingly obvious that it was a fraudulent transaction. The purchase was made on the UK Ebay website (
) not even the US website, the billing information was all mine, but the email address and Ebay account weren’t mine, and the shipping address was to a location in Great Britain and it was for a tiny Adidas sweater that clearly wouldn’t fit me (they obviously couldn’t know that, but it was still a frustrating fact).
I took this packet into the Bradley, IL PNC branch and spoke to their manager. It started out a little rocky with her first telling me that it looked like it was something I might need to take up with Paypal. She stated this without looking at the paperwork at all, but to this point I don’t think anybody at PNC ever looked at the details at all so I wasn’t surprised. After looking it all over she called the dispute department, and then the escalation department. In the end I really did appreciate her efforts even if it shouldn’t have come to that. Two days later I got a call that they reversed the money back to our account again.
It took PNC two months to see what I could see in matter of seconds. If you look at the paperwork it’s absolutely comical. I would see it as funny too if it didn’t take me two months and three disputes to get back $ 75 that was clearly stolen from me. PNC probably spent more money on labor giving me a terrible customer experience than they lost in poorly securing my bank account.