Consumer complaint received 2022-12-08
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
After becoming XXXX of Attorney over my mother-in-law 's finances, I reviewed past financial transactions so I knew what expenses would need to be addressed. I discovered there were several checks written between XX/XX/2022 and XX/XX/2022. All checks were written to the same person. The handwriting did not look like legitimate.Two of the checks were written on the same day. In total there were XXXX checks equaling {$30000.00}. My mother-in-law did not who the person was that the checks were issued to. 

In late XXXX, after I discovered this issue, we went to a lawyer to see what we should do. I believe the date was XX/XX/2022. He recommended we contact the bank and file a police report. After leaving the lawyers office, I went to the PNC Bank located at XXXX XXXX XXXX in XXXX Michigan. I was told I had to call a phone number and file a complaint over the phone. I believe the phone number was ( XXXX ) XXXX. I went home and filed the complaint that evening. The bank sent me an affidavit for each check that needed XXXX 's signature notarized. 

I believe it was the evening of XX/XX/2022 that I received a text stating Moms checking account had a low balance of {$0.00}. I knew she had about {$9200.00} in her checking account. The next morning, I picked Mom up and we visited the PNC Bank in XXXX XXXX Michigan. The banker told us the money was still in our account, but the funds had been frozen because of the fraud compliant. We were also told we could not close out the account until the fraud investigation was complete. 

While I am not certain on the date, I believed I received the affidavits around XX/XX/2022. An appointment was made to get Moms signature notarized on XX/XX/2022. On XX/XX/2022 I sent the paperwork to PNC Bank XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX KY XXXX. They received the paperwork on XX/XX/2022. The postal tracking number was XXXX. 

Sometime in XXXX I visited the PNC Bank located at XXXX XXXX XXXX XXXX in XXXX XXXX Michigan. I brought all my paperwork related to the fraud case with me. The banker tried to call ( XXXX ) XXXX. The number just goes to a voice mail box stating to leave a message and they will get back to us withing 2 business days. I went home and called the number and left a message. I received no call back. 

In XXXX, I tried the number again and left a voice mail. I received not call back. I went to the branch located at XXXX XXXX XXXX in XXXX Michigan on XX/XX/2022. I spoke with XXXX XXXX, and he told me we only had 5 days to return the affidavits back to the bank, so nothing was done. He refiled the paperwork while I was at the bank. He told me they would need a couple of weeks to go over the complaint. 

On XX/XX/2022 I received two pieces of mail from PNC. The first was a letter dated XX/XX/2022 stating our account had been closed. The second piece of mail was a check from the bank dated XX/XX/2022 for the remaining funds in Moms account. 
I called XXXX XXXX on XX/XX/2022 and asked him what was going on. He told me the case had been closed because I waited more than 60 days to file the complaint. 

XXXX not sure when the XXXX deadline started. I discovered the problem in XXXX and acted on it immediately. If the deadline started in XXXX ; then why did they even take my complaint? I do not believe they have done anything to try to help us. They never communicated with me as to what was happening. 

Each affidavit we were required to sign said we would assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter. I assumed the bank would contact the authorities. I do not believe this happened. 

On XX/XX/2022 I called XXXX XXXX XXXX XXXX in Texas and filed a police report. The case number is XXXX and the investigators name is XXXX XXXX XXXX At the request of the XXXX XXXX XXXX XXXX, I also filed a report with the XXXX XXXX XXXX XXXX in Michigan. That case number is XXXX and the Sergeants name is XXXX XXXX XXXX 

On XX/XX/2022 a little after XXXX I received a call from XXXX XXXX XXXX She needed to know what city the checks were cashed in as this information would determine what department would lead the investigation. I immediately went down to the PNC branch located at XXXX XXXX XXXX in XXXX XXXX. I spoke with XXXX XXXX. He was not able to give me the information I needed and said he would send the request to the back office for investigation. XXXX XXXX told me he would contact me on XX/XX/2022 to let me know what was happening. It is now XX/XX/2022 and I have received no response. I told XXXX XXXX the police were requesting this information and I needed it as soon as possible. 

If we are required to assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter, then the bank should also be required to do the same. 

I am really confused. The banks are always quick to freeze your credit card/debit card if there is unusually activity going on. They immediately contact you to let you know what is happening and request feedback as to whether the activity is legitimate. XXXX checks cleared the bank within a two-week period. The smallest check was {$3400.00} and the largest check was {$9400.00}. That seems like a lot of activity coming from a personal checking account.

Company response to consumer: Closed with explanation