Consumer complaint received 2017-08-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX and XX/XX/XXXX our my son and I, PNC Bank Account was hacked and a very serious fraud took place. On XX/XX/XXXX I went to check to see if an ACH payment had been deducted from my account and notice the fraud activity, I immediately contacted PNC Bank to first informed them of the fraud/hacked that took place on the account, they requested that I immediately go to the nearest branch office and open up new accounts which I did, while they would be placing a hold and filing disputes on the items that were fraud. There were over 8 to 9 charges made on XX/XX/XXXX and a fraud check written on XX/XX/XXXX and there were 8 or 9 charges made on XX/XX/XXXX and a fraud check written on XX/XX/XXXX. After I went to the local branch  which they told me to do and open up new accounts which we did open the new accounts, I went back to work and called the XXXX XXXX County Police Department to file a report and then call PNC back the same night after meeting with the Police to give them the police report number. The very next day on XX/XX/XXXX PNC Bank had place a hold on the new accounts and when I called them to see why they place a hold on the new accounts I was informed that it will take them 10 days for the PNC Bank Retail Escalation Team to put our money back into the new accounts, I asked them what are we to do for money for gas, food etc. and not to mention that my payroll is automatically deposited into the account. I have talked to 6 people at PNC Bank about this upsetting experience that I wish would not ever happen to anyone, but the bank that I have been banking with for nearly 10 years have shown me nothing but disrespect and an attitude like it was our fault that someone hacked our back account and on top of all that they have now came to the results they we were the ones who are responsible for this issue the 2 checks that were written on the account the hand writing is not our writing and not our signature they have sent us correspondence which reads " Based on our overall investigation, we consider the transaction ( s ) to be valid and your claim has been denied ''. I have been calling them every day since this has occur and no one has called us to tell us how they feel like it is our fault they someone hack/fraud our accounts, I am force now to contact the FBI Criminal Investigative Division and have now had to hire a lawyer in this matter. I am attaching all documents pertaining to our case it is one thing to be victimize by a person that has vigilante you, but the worst crime of all to me is the fact that the financial institutions PNC Bank that I trusted for all these years failed to do their job by notify their customers when something looks strange and looks not normal like a person has never I mean never has written a check on the account ever and all these strange charges to different XXXX and other stores in 2 days, and the way they get out of it is to blame the customers tell us it is our fault that this happen to us. To make matters worse the day is XX/XX/XXXX and the account ( s ) are still close they have returned all of our automatic ACH payments back to our creditors and now our creditors are charging us with return ACH fees and they still have not given us any money at all and no one from PNC Bank has informed us of how they have come to the outcome in which they had reached. But you best believe that I am not going to let PNC Bank get away with this I will not be victimize twice.

Company response to consumer: Closed with explanation