Consumer complaint received 2023-02-25
Company: PNC Bank N.A.
State: TX
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

Complaint:
Greetings My name is XXXX XXXX XXXX On or about XX/XX/2022 PNC Bank opened a business account under my sole signor For co name ; XXXX XXXX XXXX XXXX Acct XXXX There were multiple unauthorized charges to my account for a loan payment and or Line of credit/ credit card from my ex husbands delinquent loan accts which were Charged to my account some appear to be telephone ACH withdrawals In addition most recently i was charged for stop pmt fees and other unknown account fees I am unable to recover the unauthorized ACH debits due to PNC stating that over 60 days any bank stmt containing errors can not be recovered if I understand correctly. 

In addition there are withdrawals ACH unmarked providing no account to link them to Basically PNC bank has allowed this to continue. 

Because i do not have check images i am unable to view checks marked as XXXX Dates of unauthorized deductions include XX/XX/2022 unauthorized ACH Telephone Pmt to PNC There are unmarked checks as XXXX on XX/XX/22 for XXXX may be check i wrote XX/XX/22 XXXX - these may be checks i pd to contractors however i am unable to retrieve Check images XX/XX/22 Ch XXXX XXXX again i can not see check images may be a ck i pd but have no manner of seeing check images on my cell phone device XX/XX/22 XXXX for a check printing fee is excessive On dates XX/XX/22-XX/XX/2022 There were a total of 9 checks pd i am unable to view check images on my cell phone device checks paid from my acct total XXXX- I need to ensure these were checks That i paid to contractors or how i can determine the checks were written by me which May be the case but need copies of cancelled check images On XX/XX/2022- i was charged XXXX for check printing bank fees On XX/XX/22- was charged XXXX for an unauthorized ACH telephone pmt to PNC ON XX/XX/22 Was charged XXXX even though stmt says fee for mo maintenance is XXXX On XX/XX/22 i was charged XXXX an unauthorized ACH Telephone pmt to PNC In addition PNC charged me XXXX for the stop pmt fee even when it was an unauthorized ACH and two charges for XXXX not sure where these come from On XX/XX/22- was charged XXXX for bank service charges, again another inconsistent Bank charge On XX/XX/22- Another unauthorized unmarked ACH charge to my account from my XXXX XXXX XXXX XXXX checking acct with no marked account number but it Is an ACH debit with a ghost unmarked pending withdrawal. 

I need PNC Bank to cease charging me for my ex husbands delinquent debts This is causing stress as i need go in and they keep transferring me to recovery dept When i do not owe anything for XXXX XXXX XXXX XXXX accounts my ex husband XXXX XXXX was a smoke signor for previous XXXX XXXX XXXX XXXX business accts Please help me recover unauthorized ACH initiated from this account without my Consent. 

In addition PNC needs respond why they continue to do so. 

Please help me. 

Thanks in advance for your time and consideration XXXX XXXX XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation