Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #6403622
Complaint Overview
Complaint ID: 6403622
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-Product: Traveler's check or cashier's check
Issue: Fraud or scam
State: New Jersey
ZIP Code: 081XX
Date Received: 2023-01-05T12:00:00-05:00
Date Sent to Company: 2023-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX - Created an ad on XXXX XX/XX/XXXX XXXX XXXX ad presented publicly on the website XX/XX/XXXX - Text message from number XXXX exchanged about the vehicle sale [ see attached ] XX/XX/XXXX - Text messages from number XXXX exchanged about the vehicle cost [ see attached ] XX/XX/XXXX - A USPS priority mail envelope containing a certified XXXX check for $ XXXX delivered to my home address XX/XX/XXXX - Deposited $ XXXX certified XXXX check to my PNC account XX/XX/XXXX - PNC Authorizes a $ XXXX domestic transfer for vehicle transport fee [ see attached XXXX ] XX/XX/XXXX - PNC text notification determines fraudulent $ XXXX check. XX/XX/XXXX - Spoke to the Loss/Stolen Card Department representative who froze my account XX/XX/XXXX - Text message received from fraudulent source demanding explanation for stop payment [ see attached text chain ] XX/XX/XXXX - Reported fraud to PNC bank manager and a representative. Both confirmed an internal bank investigation and the freezing my account. They suspended my customer services suggested that I report the fraud to the XXXX Police Department. XX/XX/XXXX - I filed a police report in XXXX [ see attached ] XX/XX/XXXX - Cancelled my work direct deposit as well as automatic withdrawals with PNC XX/XX/XXXX - Counseled with XXXX in the XXXX XXXX XXXX Department XX/XX/XXXX - XXXX PNC text demands I pay $ XXXX to them [ see attached ] XX/XX/XXXX - XXXX ( in-person ) Counseled with XXXX at the XXXX XXXX NJ XXXX XXXX. She inspected the envelope and shipping label. Declares the label a fake. Refers me to the NJ XXXX XXXX XXXX. XX/XX/XXXX - XXXX Counseled with XXXX in Consumer Affairs NJ Attorney General 's Office . He recommends a criminal lawyer as bank theft is not consumer related. Advises filing with the Federal Trade Commission, Consumer Financial Protection Bureau and the NJ Department of Banking and Insurance. XX/XX/XXXX - XXXX Called and counseled with NJ XXXX XXXX XXXX XXXX Counselor recommends return to bank. That, as the envelope was most likely not officially mailed, the fraud issue lies with the bank. XX/XX/XXXX - XXXX Called and counseled with XXXX in the Consumer Financial Protection Bureau XXXX Told me to file a complaint on-line with her office and to file with the police. That the FBI should be notified. Report where the fake certified check came from with the Federal Trade Commission. XX/XX/XXXX - XXXX Called and counseled with Consumer Support at XXXX. They request screenshots and emails from the fraudulent buyer so that they can block /discontinue the false activity from their end XX/XX/XXXX - XXXX Updated Police Report to file # XXXX with XXXXXXXX XXXX on at the XXXX Police Department XX/XX/XXXX - XXXX XXXX. XXXX from XXXX Police Dept. leaves a voice message on my number requesting follow-up XX/XX/XXXX - PNC correspondence postmarked XX/XX/XXXX, & XXXX, XXXX delivered to my home address [ see attached ]
Frequently Asked Questions
What is Complaint #6403622 about?
Complaint #6403622 was filed against PNC Bank N.A. regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2023-01-05T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.