Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

On XX/XX/XXXX, a person going by the name of " XXXX XXXX '' sent me a check, asking me to deposit it into my account. He asked me to send a portion of the money to a XXXX account under the name of " XXXX XXXX ''. The phone number associated with the account is XXXX. 
He sent me XXXX checks in the amount of {$2400.00}, totaling {$4800.00}. 
The first check of {$2400.00} was cleared by PNC and deposited into my account via mobile deposit. I sent a total of {$400.00} to the XXXX account on XX/XX/XXXX, before the check had cleared. Once the check cleared on XX/XX/XXXX, he asked me to send {$1400.00} to the XXXX account, and I did. 
Later that day on XX/XX/XXXX, he told me to send another {$400.00} to the XXXX account and he would send me another check for {$2400.00}. I sent the {$400.00} to the XXXX account. 
On XX/XX/XXXX, he asks me to send another {$1800.00} to the XXXX account, and to keep the remaining {$600.00}. At this point, I had just received an email from PNC saying that the first {$2400.00} check had been returned to the issuer of the check, by the person who issued the check. 
On XX/XX/XXXX, I got the second email from PNC stating the second check for {$2400.00} was returned unpaid. 
I called PNC on XX/XX/XXXX and reported the incident as fraud. I also made a police report on XX/XX/XXXX. The first phone call I made to PNC, I included all of the information possible that I could so the agent could properly report my case. When I called back after I made the police report a few hours later, I was told by another agent that there were no notes of the incident in my account and I had to go through the whole process over again. 

I was told by several different customer service agents through PNC that it is not likely that my dispute will get approved. The person behind this act is clearly a scam XXXX and out to take advantage of innocent people. 
I was told by a branch XXXX that I would have until XX/XX/XXXX to file an appeal on the dispute if it gets denied. I called on XX/XX/XXXX to once again check the status of the dispute, and was told that no one had even been assigned to my case yet. The woman also informed me that there is no such thing as filing an appeal, it is just simply filing another dispute. Since XX/XX/XXXX, PNC has delivered extremely disappointing customer service, acknowledgement of the incident, and overall knowledge about what needed to be done as well as their own rules and regulations of steps of action in a scam/fraudulent situation. 
Since then, my account has been frozen due to my claim of fraudulent activity. I have also been charged twice for the return of the checks. 
I have pictures of the text messages from " XXXX XXXX '' asking me to send the money, pictures of the checks that PNC allowed to be deposited via mobile deposit, and pictures of the XXXX transactions that were made with " XXXX XXXX 's '' information on them. 
The total amount that I personally lost in this matter is currently a total of {$2200.00}. Which is the amount I am fighting to get back.