Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I am complaining about my direct deposit funds being accidently deposited into another customers account and PNC Bank will not return to me. 

My employer deposited {$220.00} of my bi-weekly paycheck into BBVA Bank via direct deposit. In XXXX PNC Bank bought BBVA Bank and customers were advised that on XX/XX/XXXX, BBVA accounts would be transitioned to PNC accounts. We were assigned new account numbers and routing number. The last account statement I received from BBVA was XX/XX/XXXX and showed I had a {$27000.00} balance. I updated my direct deposit information with my employer. However, during my update, I unknowingly put in an incorrect number. The correct account number was XXXX. I accidently typed in XXXX. I received no bank statements from PNC Bank for XXXX or XX/XX/XXXX. Meanwhile my money was being deposited, I thought. When I received the XX/XX/XXXX statement, I noticed that my bank balance was still {$27000.00}, but should have been {$29000.00} ( {$1500.00} more ). On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX XXXX who stated that there was no evidence of the 7 fund transfers being sent from my employer. I called my employers HR Department and was told that the funds were sent and did not bounce back. I went back to the bank on XX/XX/XXXX, and after his further research, was told by XXXX XXXX that I had left 2 numbers out on my end on my direct deposit form at work and the funds were sent to a non-existent account but were rejected and sent back to my employer. Once again, I called my employer and was told the funds had not been rejected. On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX and she said she had to speak to XXXX tomorrow. XXXX called me on XX/XX/XXXX, and said the bank can not provide proof of anything, such as fund going to wrong account or correct account or bouncing back and that she was escalating my issue to upper management. 

On XX/XX/XXXX, I received a call from XXXX with PNC Bank and that she was calling on behalf of XXXX XXXX, my case worker and XXXX would be calling me in the next few days. On XX/XX/XXXX, XXXX called me and said they found my funds in another account and will work on getting the funds moved into my account, that it will take a few days and she will call when it is complete. On XX/XX/XXXX, XXXX called and said they were trying to figure out how to transfer the funds back to my account. I spoke to XXXX on XX/XX/XXXX, and she said the same thing as on XX/XX/XXXX. On XX/XX/XXXX, XXXX called and said they can not transfer funds and that my employer will have to recall the funds. From XX/XX/XXXX to XX/XX/XXXX I worked with my employer on how to recall the finds and was eventually told that funds have to be recalled within 5 days of deposit and there was nothing they could do. 

On XX/XX/XXXX, I filed a report with the XXXX Police Department. On XX/XX/XXXX, XXXX XXXX called me and said they would issue a search warrant and gave me a report number. XXXX XXXX asked me to call PNC Bank, give them the police report number and ask them to escalate. On XX/XX/XXXX, I called PNC Bank Customer Service and spoke to XXXX and gave him the police report number. On XX/XX/XXXX, I called XXXX XXXX for a status. He said a search warrant was issued and they are waiting on a response from PNC Bank and if the bank does not respond there is nothing more they can do. 
I closed my account with PNC bank on XX/XX/XXXX, as it seemed like I had run out of options. I am now filing this complaint for help in getting my funds returned.