Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX my banking information as well as passwords, social security number, address, and other various personal information were exposed to a fraudulent company claiming to be a loan organization. I was trying to get a small loan to cover a few bills until I got funds, and I had applied online. Thinking I was approved I released my information and funds were supposed to be direct deposited into my bank account. I was to get a one time verification code from PNC which I was to give to him so he could verify account and initiate transfer of funds. I received the text message, and something didnt seem right it was too late they had all my info but I wouldn't give the verification code. Once he got angry I realized what happened and called my bank. I wanted to get the accounts shut down since they had all my info. The teller over the phone did something to my account that showed me at $ ) XXXX balance so if they were able to access nothing would show up then I was going to have to get new accounts with new numbers. I was put through to fraud dept. but they did nothing because she had already froze the accounts. Didn't ask for information, just to get new accounts. I made an appt. for the next day. The next day I closed all my accounts except for checking the teller said she was going to leave that open till that Monday XXXX in case I had any direct deposits I forget where due to come in otherwise they would be sent back, she was to call me to make sure it was ready for closing. My daughter had to get new accounts as well I am linked to her accounts she is a minor so to be on the safe side I did hers too. I thought everything was fine, I couldn't access my accounts for about 2 days, and she never called on Monday, and I assumed the accounts were closed My passwords were changed and I no longer had access to check. on XXXX I deposited a check for XXXX for payment for a job. The check came priority mail. I deposited the check and a day later it was cleared so I thought, once they cleared it I paid a few bills. XXXX days later I went to use my debit card and it was declined. I paid a different way then when I got home checked my accounts which showed {$0.00} I called PNC, they could see a check had been returned but there was no explanation why, she told me to wait until the next day where the reasoning would most likely be attached by them.So thats what I did. Still the next day they didn't know anything, but not to worry, I told her I was worried I needed to talk to someone that could tell me what was going on.So again I was told to call the next day and I did, I finally called the institution that wrote the check to learn it was fraudulent and I was the third or fourth person to call with the same story. So I called the bank back and told them and asked what I was supposed to do. Again I was told everything was fine but I had to wait for PNC to make their decision on what they were going to do. what I didn't know was they had froze my account when the check didn't clear never told me it didn't clear or that they were freezing my accounts, due to this my power got shut off, because I thought my bill was paid, but wasn't, I have late fees with 2 credit card companies which I am contacting hoping they will work with me. My credit score has gone down about 50pts since this happened, and at this point I will most likely have to file for bankruptcy because its too much. I didn't know my accounts were screwed up since the beginning of XXXX before the check was deposited. The teller that changed my account left my account open the account that was compromised I received a direct deposit on XXXX from depop for selling a handbag it went to my old account which was open when it was supposed to be closed and PNC took it. That account actually wasnt closed until XXXX I believe when they closed down my other accounts. I then learned when I called again that my account was going into foreclosure as of XXXX which was the next day. Still no communication from them. In the beginning of XXXX is when I received any correspondence from them stating they were closing my accounts, and I received bank statements. I made an appointment with the branch XXXX to try to figure this out, which was a waste of time, she accused me of taking all the money out of my account, which I didn't the banker did when she opened my new accounts I asked her to bring her in the room but she refused, I left before I said what I wanted to. I don't understand why they would do all this and not notify me, not only that but since I'm linked to my daughters account they drained her account she is a minor that is why I am on there. I have banked there for years and never had any problems I don't know how to read these transactions that she printed out but that was how I realized my account was never closed. So as of now I am in debt, my information is out there, I received spam calls all day, I don't even answer my phone, sometimes I do just to here what they are going to say its all scams saying I put in an application for a loan which I know I didn't. They take no responsibility for anything if anything I don't know why they showed the check as being cleared when It clearly wasn't but on my end showed cleared. It is not right what they have done I just want my late fees paid because they caused them, all of the headaches I've had since this has happened will go away, but they really put me in a hardship,

Company response to consumer: Closed with explanation