Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
XXXX - I was notified via an automated email from PNC Banks that my account was below the minimum required. I went online and noticed XXXX  unauthorized withdrawals from my bank account. I called PNC and discussed this with them, and we locked up the accounts and set up new login information. I have another account that was not compromised at that time, so that account remained open. They advised I close and reopen the compromised accounts, which had to be done at a bank branch. Unfortunately, I was in XXXX  at that time, and I could not get to a branch until I returned to XXXX  until late XXXX  XXXX. PNC assured me that they would recover the funds from these unauthorized withdrawals. Also, I was not able to see all of my accounts. These accounts are stagnant and were only used to collect XXXX from a person who was paying me via XXXX  for a contract for deed sale. Other than that, no other transactions occur. No bill-pays, nothing. So, I rarely look at my accounts as there is no activity except for the XXXX  money deposited.XXXXHere is a summary of the fraud withdrawals.XXXXAll of the fraud withdrawals from XXXX XXXX  were as shown on my bank statement.XXXX XXXX XXXX XXXX XXXX XXXX XXXXexcept XXXX  on XXXXThe withdrawals started on XXXX and there were XXXX  transactions per day.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe withdrawals stopped when my account was out of funds. I closed these accounts, and I am trying to recover these funds.XXXX XXXX I went to a PNC branch bank and closed and reopened new accounts for the compromised accounts. Again, the branch told me that they would recover the funds, but nothing had happened until I had new accounts opened up, so the refunded money could be deposited. I was also now able to see another account that now had a fraud withdrawal. OnXXXX XXXX  a fraud withdrawal of XXXX was sent to the following as shown on my statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also closed and reopened this account. I also put a lock on all of my accounts as I have no faith with PNC. XXXXSo, the total fraud withdrawals are XXXXIn XXXX XXXX PNC said they can't recover the funds and told me I have to go to where the money went to, XXXX, Paypal and Citibank. XXXX  the funds went to.XXXXAll of these institutions told me that they could not trace the transactions without more information, and I would need to get that information from PNC. I told this to PNC, they said they can't provide me any account information. So, I'm stuck. The recipient needs XXXXaccount information and PNC won't provide it to me.XXXXI filed a police report and submitted a fraud claim in i3c.gov site. XXXX - I filed a complaint with Better Business Bureau.XXXX XXXX PNC called me because I filed a complaint with the BBB.XXXX - PNC got back to me and said they can't recover the funds, and they can't provide any information for me to try and recover the funds.XXXXPNC does not seem to care about doing anything. No research into the fraud withdrawals and how these banks did it. All PNC says is that there is nothing that they can do. This seems impossible. There has to be a way to trace these withdrawals.XXXXAttached are XXXX  bank statements, XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the fraud withdrawals occurred. Notice on the XXXX XXXX statement, there were internal transfers from my personal bank account into the XXXX XXXX account. These internal transfers occurred to fund the XXXX  account, so they could continue to do fraud withdrawals. Here is a recap of the internal transfersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation