Consumer complaint received 2026-06-11 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX cell XXXX ( XXXX ) XXXX cell XXXX PNC Bank On XX/XX/year>, XXXX and XXXX XXXX husband and wife reported to XXXX Police Department of criminal activity by PNC Bank incident number XXXX in the amount of {$6100.00} stolen from PNC Bank XXXX XXXX XXXX XXXX. On XX/XX/year>, we notified XXXX XXXX, chairman and chief XXXX office of PNC Bank e-mail of the fraudulent action conducted by PNC Bank ( Exhibit B ). No response from XXXX XXXX. A person by the name of XXXX XXXX stated she was with XXXX Relations PNC reference : XXXX. It appears that an account with our son and XXXX XXXX only, had a negative balance due to his XXXX had been lost/stolen and someone used his information in his XXXX with his social security number, date of birth XXXX XXXX address of residence, which was reported to PNC Bank XXXX The charges were reversed due to the criminal, fraudulent activity but then PNC Bank reapplied as a deficiency on mother and sons account. I was unaware of any activity since PNC Bank never notified me via email, phone call, letter, and did not file a formal complaint. No notice given what so ever. The only notice I had was outlined in Exhibit A with a incorrect coding of XXXX which stands for according to PNC Bank website Donor Account Fund ( Exhibit C ). Please be advised that our accounts joint ownership between husband and wife were established in the XXXX and are protected under XXXX XXXX XXXXXXXX XXXX by the XXXX. XXXX XXXX had no knowledge of XXXX XXXXXXXX as I explained that pursuant to Husband/Wife Account ( Tenancy by the Entirety ) which is as follows : XXXX considers XXXX holding joint accounts to be tenants by the entirety, meaning each spouse has full ownership of the account 's contents. If a creditor has a judgment against only XXXX spouse, all contents of the joint account are exempt from garnishment. The creditor can't take property that belongs to the non-liable spouse. Banks and investment companies have to know the laws of the states where they do business. XXXX creditors including banks exercising right of set-off generally can not seize funds from a husband and wifes joint bank account ( tenancy by the entireties ) to pay a debt owed by only XXXX spouse. This protection applies to funds derived from joint property and is a matter of state property law, not directly the XXXX Truth in Lending Act ( XXXX ). XXXX is part of the small minority of states that provides for a peculiar form of ownership of property between a husband and wife which often frustrates the creditors of XXXX spouse. Known as a tenancy by the entireties, this estate in property is founded upon when spouses marry, they become a single legal entity or person. Therefore, when a husband and wife open a bank account, savings account, money market and checking account classified as personal property, each is deemed to acquire a XXXX XXXX percent undivided interest in the bank accounts which can not be severed or encumbered by the acts of only XXXX of the spouses. This form of ownership is presumed in XXXX upon conveyance to a husband and wife. Pursuant to XXXX XXXXXXXX which states the following : Tenancy by the Entireties : Property owned by a married couple is considered owned by the " marital unit '' rather than individually. Creditor Limitation : A judgment against only XXXX spouse can not be used to garnish or set off funds in a joint account. Scope : This protection covers bank accounts, real estate, and proceeds from the sale of [ entireties property ], even if the funds are temporarily held in an account with only XXXX spouse 's name. While [ TILA ] ( 15 U.S.C. 1601 ) regulates consumer credit disclosures and rescission rights, the shielding of joint assets from individual debts is a specific, robust feature of XXXX common law known as " tenancy by the entireties ''. Abusive practices in banking " set off '' ( using funds in XXXX account to cover debt in another ) occur when institutions leverage gaps in consumer understanding, unequal bargaining power, or consumer reliance to take unreasonable advantage. Under the Dodd-Frank Act, such practices are illegal and defined as UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ), often targeting vulnerable consumers with unexpected fees or complex, hidden terms. Furthermore, there is no one to speak to regarding this issue in which the funds that PNC Bank stole out of our husband and wife joint account was deemed for to pay our taxes, which created a financial hardship. Further, PNC Bank had no authorization to withdraw {$6100.00}, with no notice to cure and a breach of the XXXX of XXXX XXXX of tenancy by the entireties. Therefore, I respectfully request this criminal fraudulent action against PNC bank go forward with the XXXX XXXX XXXXXXXX XXXX, CFPB, XXXX XXXX XXXX and XXXX to seek damages and return funds in the amount of {$6100.00}. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Asst District Attorney ( w/encl ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation