Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern : Almost a year ago, my PNC bank account was hacked into. This was my student account with my father tied into it. Once the perpetrators acquired my bank account information, they opened a XXXX account in my name. I have tried to dispute these charges with PNC bank as well as XXXX, both have failed to reimburse me any of the money I have lost. 

These accounts were made on XX/XX/XXXX. The total charges in the XXXX account are {$5400.00}. On XX/XX/XXXX, three charges were made. One being, {$1000.00}. The second charge being, {$460.00}. The last charge on XX/XX/XXXX was {$1500.00}. Then three days later, on XX/XX/XXXX, there were two more charges made. The first charge of XX/XX/XXXX is XXXX. The second charge was {$880.00}. 

When XXXX was used, there were four total transactions made. This overall burden totals to {$1900.00}. On the day the account was used for the first time ever, there were two transactions made ( XX/XX/XXXX XXXX ). These transactions being {$500.00} each. The two other charges were filed on XX/XX/XXXX. These transactions were {$500.00} and {$460.00}. There was one last transaction made on XXXX on XX/XX/XXXX, however this was denied and never went through. 

When these fraudulent transfers were made, there were checks being put into my PNC bank account. These checks being deposited on XX/XX/XXXX, through XXXX XXXX. Collectively, there were six fraudulent checks deposited into my bank account. On XX/XX/XXXX, there were two total checks deposited. One check for the amount of {$600.00}. The second check being {$1800.00}. The following day there were two additional checks deposited. In order of the amount of deposits were {$640.00} and {$1800.00}. The last deposits that was made was on XX/XX/XXXX. Those deposits being the last two fraudulent deposits of the total amount of deposits. One out of the two were {$2200.00}, and the other deposit being {$2600.00}. These checks totaling into XXXX. In addition, all six checks did not clear into my account, they were all insufficient funds checks. Even after my account went into a negative balance and two of the fake deposits were shown invalid, PNC still sent money out to XXXX two days later. 

I was not notified of these events until after everything happened. I never had my account flagged for suspicious activities, nor did I use my card for large expenditures in the past. My father and I received an email stating that my account was over drafted a week after this started, on XX/XX/XXXX. After many phone calls with XXXX, I was told that this was being done in Connecticut from a XXXX server. I have never been to or around the state of Connecticut as I live in Pennsylvania. PNC was unable to provide me any information with help in this case. I was told by PNC bank tellers and the dispute department that this was mainly up to XXXX. XXXX also stated that they would work with PNC to try to find a resolution to my problem. They did not inform me with any kind of information after speaking to them. In XX/XX/XXXX, PNC stated that they would return to us with what would be happening but we received nothing. 

Nearly a year later, my father and I were sent to collections. The very last person that spoke to us at PNC was XXXX XXXX. She said to my father and I that she would get back to us with an update, however we never received any email, letter in the mail, or phone call from her. 

If you could please get back to us we both would greatly appreciate it. My father works and I am currently a XXXX XXXX XXXX, so this is devastating to the both us. 

This was my PNC Primary account number : A concerned civilian, XXXX XXXX E-mail : XXXX Cell Phone : XXXX XXXX XXXX E-mail : XXXX Cell Phone : XXXX

Company response to consumer: Closed with explanation