Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #9210849
Complaint Overview
Complaint ID: 9210849
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
ZIP Code: 187XX
Date Received: 2024-06-07T12:00:00-05:00
Date Sent to Company: 2024-06-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My mother has had a checking account with PNC in her hometown, XXXX, PA for many years. Within the last 3 or 4 years, my mother decided to add me to her account in case I would need to do financial transactions on her behalf. Prior to this, I became a victim of identity theft months before. When the original account was opened, we decided not to participate in the online banking functions because my mother doesn't have a computer. Fast forward to this past XXXX when my mom tried to use her debit card and discovered her bank account was almost empty. On this same day, I received correspondence from PNC informing me I had opened ( 3 ) accounts online. Of course, I had no reason to open new accounts because I do my banking elsewhere. When we reported this to the bank, we were told that since I'm attached to my mother 's account, the suspect ( s ) were able to get into her account and remove all {$3800.00}. After making all the proper notifications and personal visits to the bank, my mother recently received a letter from PNC Fraud stating they were declining her request to have the money returned. They were implying that we had made up this scheme and that we took the funds. Even though there is a paper trail as to the unauthorized charges, they didn't seem willing to investigate. They cite that the eleven online credit transfers ( All in 3 days time ) were a " Customer 's Historical Pattern of Use '', however, no such other transactions of this nature exist anywhere in her account history. My mother is XXXX years old, and the money is a considerable amount in her eyes. The bank just wants to write this off. I am asking for assistance in this matter and hopefully having PNC issue her a credit since they allowed this subject ( s ) to open up 3 checking accounts in my name online without any identification or monies deposited. Thank You XXXX
Frequently Asked Questions
What is Complaint #9210849 about?
Complaint #9210849 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 2024-06-07T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.