Consumer complaint received 2023-04-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, two checks were fraudulently written against my checking account with PNC totalling {$4200.00}. The checks were not from my check book, rather they look like bill pay checks, but not exactly. These checks do not have my name on them at all. Not at the top of the check, nor was my signature on the check authorizing the payments. The checks did have my business address at the top left, indicated " Signature On File - This check has been authorized by your depositor '', and my checking account number was at the bottom of these fraudulent checks. 

On XX/XX/XXXX is when I noticed this fraudulent activity. The reason I didn't notice this sooner was because XXXX XXXX XXXX XXXX XXXX XXXX twice over a 3 week period, my nephew passed away suddenly, my older brother fell extremely ill, and the XXXX, XXXX and XXXX XXXX holidays distracted me from my usual daily routines. 

I immediately contacted my PNC Branch at XXXX XXXX XXXX XXXX in XXXX, PA XXXX. I was then contacted by XXXX XXXX from PNC and was instructed to come into the XXXX on XXXX to put a freeze on the account and open a new account. 

I was told there would be an investigation before I would be reimbursed and that it could take 30-120 days but that they would get back to me from time to time to keep me informed of the status of the investigation. On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX called to let me know the investigation was ongoing. On XXXX I received a voicemail message stating the investigation was being closed and that the disputes were being denied because I reported the fraudulent activity outside of the 60-day time frame stated in the paperwork I signed when I opened the account approximately 30 years ago. 

I have been fighting with PNC since and I keep getting the same result with each and every PNC representative. I have since sent a letter to the Branch Manager/Asst VP of the XXXX Branch XXXX XXXX XXXX XXXX on XX/XX/XXXX which was never acknowledged. Another representative advised me to complete and submit a signed Affidavit which was notarized for each of these fraudulent transactions which I did on XX/XX/XXXX, only to be again advised that my request is being denied as it was outside of the 60day window.

My son has also attempted to help me get resolution by coming to the branch with me, corresponding with PNC via XXXX, and having follow up phone calls. Still same result. 
Request is denied to return these funds to my account. PNC will also not give us any information as to the status of the investigation. 

Today I filed a police report with the XXXX XXXX Police department ( investigation # XXXX ). I am attempting to get our local news media involved as well. 

I am pleading with you to assist me in getting PNC to do the right thing and return my {$4200.00}. I am XXXX years old and this is a severe hardship for me. I did nothing wrong. I am a victim of fraud, and PNC with whom I have trusted to secure my hard earned money are refusing to assist me because I was just 3-4 days outside of their 60 day window. They will not take into account the 3 National holidays nor the other extenuating circumstances listed above. 

I appreciate your time and consideration.

Company response to consumer: Closed with explanation