How Do I Dispute a Charge with PNC Bank?

PNC Bank, a subsidiary of the PNC Financial Services Group Inc., is an American financial services corporation and bank holding company. PNC derives its initials from the merger between Provident National Corporation and the Pittsburgh National Corporation.

The bank is currently among the largest, operating within 21 states with 9,051 ATMs and 2,459 branches nationwide. It serves the transactional needs of businesses and individuals across the United States. It also offers financial solutions such as information processing, loan servicing, estate planning, and asset and wealth management services.

That aside, just like other financial corporations, PNC allows its customers to initiate chargebacks in the event they've encountered transactions they don't recognize or those that are borderline fraudulent.

As such, PNC Bank customers can dispute charges to their credit and debit cards as well as online banking transactions if goods and services aren't delivered on time, the goods received are damaged, and when they don't explicitly authorize a purchase.

Regardless of the situation, below are some steps you can follow when disputing a charge with PNB Bank to help you along the way.

How do I dispute a charge with PNC Bank?

As aforementioned, you can dispute a charge on your PNC Bank credit or debit card virtually through your online banking account by visiting the Customer Service section. There's a different process to be followed when disputing transactions on either your credit or debit card. After that, you can follow the steps below to help you in fighting credit card transactions:

• Sign On to PNC Online Banking.
• Select the "Customer Service" icon.
• Click on the "Dispute a transaction" link under the section that reads "Credit Card."
• Pick the transaction associated with the dispute.
• Confirm your address.
• Select "Next".
• Follow the procedures that will come next to file a dispute for a credit card transaction successfully.

To dispute debit card transactions:

• Start by signing on to the PNC Online Banking portal.
• Click on the "Customer Service" tab.
• Navigate to the Account Services section and select "Dispute a transaction."
• Pinpoint the account linked to the dispute.
• Ascertain your address.
• Click "Next" to view a list of your previous transactions.
• From the list, select the one you wish to dispute.
• After that, there's an automated process you'll follow to ensure you've placed your dispute.

To dispute PNC online bill pay transactions, you can follow the guidelines below to help you along the way.

• You'll need to Sign On to PNC Online Banking.
• Select the "Pay Bills" icon.
• From the top of the menu, click on the option that reads "Payment Activity."
• Choose the "View Details" option under the Action column located on the right side of the transaction you want to dispute.
• At the top right corner of the View Payment window, select the "Send us a payment inquiry" link.
• Fill out the details of your Payment Inquiry and select the "Send Inquiry" button.

With that in mind, you should always remember that PNC's chargeback or transaction dispute policy is geared towards protecting your identity and finances against fraudulent practices. The bank also allows you to report any suspicious account activity following the process outlined below. Its reporting policy advises customers who suspect they may be the target of fraudulent activities too;

• Strictly avoid responding to suspicious emails.
• Leave any links contained in such emails untouched.
• Refrain from providing any personal information to the senders of such emails.
• Forward suspicious emails to the bank via abuse@pnc.com.
• Delete the email after they've forwarded it.

Alternatively;

You can contact the customer service desk if you've encountered a hitch when trying to dispute credit and debit card transactions as well as online bill pay transactions. Also, the customer care team may help with disputes associated with checks and pre-authorized payments.