Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
Applied for loan through XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX XXXX  was to send three loan deposits, which I was to return to XXXX XXXX using XXXX XXXX as the money transfer return agent. I provided my PNC Bank online username and password so that XXXX XXXX would make the three loan deposits. My PNC Bank checking account reflects no loan deposits, either Direct or ACH, made by XXXX XXXX. My checking account had its records tampered with the posting of three transactions, XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount XXXX XXXX, XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount originally posted as XXXX XXXX XXXX, and XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount originally posted as XXXX XXXX. 

On XX/XX/XXXX, I requested {$880.00} be deposited into my XXXX XXXX account to return the " loan '', which I never received. XXXX, the XXXX XXXX employee, attempted to deposit {$880.00} to multiple XXXX employees unsuccessfully, until the deposit was made to XXXX XXXX successfully. XXXX indicated that she could not deposit the returned loan to my PNC Bank account. A subsequent attempt for deposit required a payment of {$300.00}, which I did not pay. Thus, I never received a loan. 

On XX/XX/XXXX, three Provisional Credit Reversals in the amounts of XXXX, XXXX, and XXXX were made on my PNC Bank account. A XXXX deposit on XX/XX/XXXX in the amount of XXXX was deposited to offset the negative balance which existed in the account. I requested that this deposit be made to my new checking account, but was denied. The account was closed with remaining negative balance of XXXX. 

Since no loan was deposited by XXXXXXXX XXXX, I checked Ohio Revised Code 2913.42 Tampering with records. The following codes appear relevant to these transactions : 2913.01 Theft and fraud general definition, 2913.02 Theft, 2913.73 Evidence that victim lacked capacity to give consent, 2913.42 Tampering with records, and 2913.21 Misuse of credit cards. 

PNC Bank presented Dispute Resolution regarding XXXX XXXX transaction that XXXX disputed amount was properly transacted. Based on information in Ohio Revised Codes above, loan was never received, thus loan was never returned, as transaction represented amounts from bank account record tampering and misuse of credit card with evidence that victim lacked capacity to give consent as no loan was ever deposited in order for it to be returned. 

Thus entire transaction had no loan deposited, no loan returned through XXXX XXXX, XXXX XXXX receiving " false loan '' and record tampering with false Provisional Credit Reversals. I received no loan, but have had the result of being responsible for all loses related to this transaction.

I disputed this process four times with PNC Bank with no change in its position regarding the outstanding negative balance on account. A fourth dispute is currently under review by PNC Bank.

Company response to consumer: Closed with explanation