Consumer complaint received 2022-07-12
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an active account with PNC Bank, NA When my daughter was XXXX, I opened an account for her, with me being the primary. Like a student account, I can see her data, she can not see mine. Like a custodial account. 
My daughter, XXXX, is now XXXX XXXX XXXX and on her own. 
Last week at some point she started a job ( remote ), and ( suspected ) got scammed by that " business '' where they direct deposited {$2000.00} ( her first paycheck ) into her account, then asked her to connect their external account to hers for future deposits. Then they asked her to send back a partial amount for future disbursements or something like that. To me, an obvious scam. The her? Well, she didn't know better and got stuck by these frauds. 
PNC Fraud Detection caught this and locked all related accounts Because our accounts are associated, PNC locked her account, my account, and also my business account while they " investigate ''. 
My daughter lives in North Dakota, moved there last XXXX. There are no PNC banks there, is waiting on her new debit card, so she has no funds. When her initial deposit of {$2000.00} occurred, she used XXXX to access her funds by sending it to her fath0in-law. All of these above accounts are showing a XXXX ( {$0.00} ) balance, and they will not tell me what is going on. 
The issue now is 1. I can not make payroll for my business staff 2. I can not make ACH payments weekly on my line of credit 3. I can not make payments on my newly refinanced ( through XXXX ) business loan. 
4. I'm now in default in a lot of areas. PNC could give a XXXX... 

They will not return my calls, they will not tell me what they are doing to help me as my business is losses and delinquencies are mounting. 
They have not offered or taken my suggestion on simply opening a new account for each, so we can have our money that is in the accounts. 
My personal had over {$3000.00} My business account had over {$6000.00} PNC is not taking my calls, and when I do get through, I have to go over the entire situation again like talking to a brand new out-of-high-school " agent ''. 
And they are running defense so I do not get to the Investigations department to find a remedy. It has been almost a week without funds and I am being forced to use the PNC Credit Card to make any sort of transaction. 
This is obviously in their favor because I am being charged interest on a card I am being forced to use. 
Needless to say I am furious. On their end, nothing but 'have a nice day '' or weekend, while they have the weekend off, and I have no one to call. 
I see now why people turn to violence.

I plan to sue for all damages since I will be getting my credit destroyed, and my business foreclosed or seized. I worked for the past four years rebuilding my credit to a respectable XXXX points, all for nothing. 
But Me? I have no options whatsoever. 

I understand the error was caused by my daughter, but why seize my accounts? No answers from them. 
Why can't I simply open a new account and transfer WHAT IS MINE, into that new account? 
At the very least, my business account for now. 
I am already getting emails stating my card was declined, the ACH was declined, etc. 

Have I been targeted as an individual? I feel like what's happened in the past with my business is part of my continual misfortune. Maybe I should just vanish, I'm not going to ever be successful after giving my entire life to small business.

Company response to consumer: Closed with explanation