Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Consumer Finance : Before addressing the final details of my case, I respectfully ask for your urgent assistance regarding an unresolved issue with PNC Bank. Despite multiple attempts, the bank has not returned my calls or escalated my case to the appropriate department. 

I am seeking your help to recover {$150000.00} that is currently tied up in a fraudulent business account at PNC Bank. The account, under the name XXXX XXXX XXXX, is a straw account with which I have no legitimate connection. Based on my knowledge, the account was fraudulently opened by an indocumented immigrant XXXX XXXX using a third party, XXXX XXXX. I now have reason to believe that control of the account may have been transferred to XXXX Khans mother, XXXX XXXX. 

I have no relationship whatsoever with XXXX XXXX or XXXX XXXX and was misled and deceived into a fraudulent business scheme. For background, I understand that XXXX XXXX has been associated with individuals involved in the XXXX XXXX attacks and part of a XXXX organization group, and I am extremely concerned about the possible misuse of my funds and identity. 

I urge you to help facilitate the immediate freezing and closure of this fraudulent bank account and assist in the release of my {$150000.00}. I am willing to provide all necessary documentation and evidence related to this matter. Read below. 

Thank you for your attention and support. 

XXXX XXXX XXXX XXXX XXXX ( XXXX, TX ) Fraud, Straw Account Use and Investor Misrepresentation XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Home Address for XXXX XXXX and XXXX XXXX XXXX : XXXX Sparrow Ct, XXXX, TX XXXX Business Address : XXXX XXXX XXXX, XXXX, TX XXXX Dear Consumer Finance, I am submitting this complaint confidentially regarding a Texas business entity, XXXX XXXX XXXX, which appears to be engaged in fraudulent activity, misuse of the XXXX structure and banking authority, and possible concealment of unauthorized operators and financial practices. I respectfully request that my identity be kept confidential, as I am reporting this as a private individual and fear retaliation. 

I believe XXXX XXXX XXXX was registered in 2025 and operates at XXXX XXXX XXXX, XXXX, TX XXXX. 

The individuals involved include XXXX XXXX, who claims to operate the business but is not listed in public LLC filings. He has admitted to opening a business bank account through a third party, XXXX XXXX, despite having no formal ownership or managerial role in the XXXX. XXXX XXXX XXXX is a silent partner who claims to have invested {$150000.00} but is not listed in any official records. Another individual, XXXX XXXX, claims to hold a 30 % ownership interest. I have never met XXXX XXXX. I, XXXX XXXX, am a former investor and signed both the investment and withdrawal agreements. 

On XX/XX/year>, I invested {$150000.00} into XXXX XXXX XXXX in exchange for a 20 % equity share. I later discovered that the account at PNC Bank receiving the funds was not controlled by any listed owner or manager of the LLC XXXX XXXX and XXXX XXXX ( mainly ), but rather by XXXX XXXX, who has no legal stake in the company. XXXX XXXX admitted he used her name because he was abroad and claimed the account would later be transferred to XXXX XXXX XXXX. This strongly suggests misuse of financial authority and intentional misrepresentation. 

I also believe this structure was designed to obscure XXXX XXXX role in the business and to bypass U.S. legal requirements. He claimed the account would be converted to XXXX XXXX name at a later date. However, neither of them appears to be authorized signers per public records. XXXX XXXX is not an owner. Read more articles about her online. Furthermore, I understand XXXX XXXX is neither a U.S. citizen nor a lawful permanent resident and may be unlawfully residing in the United States. His use of another individuals name to manage business finances raises serious concerns regarding fraud, immigration violations, and financial misrepresentation. 

On XX/XX/year>, I signed and notarized a Voluntary Withdrawal Agreement, relinquishing my equity in exchange for a full refund of my {$150000.00} investment. As of today, my funds have not been returned, and communication from the parties involved has been evasive and inconsistent.

In addition to the misuse of the bank account, the investment agreement itself raised several red flags. Despite providing substantial capital, I was not granted any voting rights or input in decision-making. The agreement allowed the owner to sell the business or incur debt without my consent. Profit distributions were to be made only once annually with a 90-day delay, and there was no clear exit mechanism or protections in place for my investment. These terms left me vulnerable, while the operator retained full control over the entity.

Taken together, the use of a straw bank account, lack of transparency in ownership, and one-sided contract terms suggest that Supreme Strategies LLC is operating in violation of Texas LLC and financial regulations. The business structure appears to be intentionally designed to evade legal accountability and obscure the true controlling parties.

This may represent a coordinated misuse of Texas LLC laws and banking regulations. The LLC appears to be collecting investor capital while hiding its true operators and avoiding lawful financial practices. I respectfully request that your office : Review the LLCs formation and ownership filings ; Investigate the use of unauthorized individuals in managing business finances ; Refer the matter to the appropriate oversight or enforcement division for further investigation. 
I am prepared to provide supporting documentation, including the investment contract, withdrawal agreement, deposit records, and communication logs upon request. 

Please enforce them to return my {$150000.00}. Thank you for your attention to this matter and for your commitment to maintaining the integrity of Texass business environment. 

Sincerely, XXXX XXXX Please keep my name and identity confidential Concerns : 1. The Business Bank Account Is Not in the LLCs Name My {$150000.00} was deposited into an account under XXXX XXXX, who : Is not a legal owner or member of XXXX XXXX XXXX. 
Was not listed anywhere in the Investment Agreement.

This is known as using a straw person, and it undermines the legal integrity of the contract.

Legally, my investment was not deposited into an account controlled by the actual legal entity I contracted with, meaning XXXX XXXX XXXX never properly received or held my funds. 

2. This Violates Texas LLC and Banking Laws An LLC is required to operate through : Authorized members or managers, and Legitimate business accounts held in the LLCs name. 
If XXXX XXXX used XXXX as a front due to his immigration status or inability to open a U.S. account, thats a : Misrepresentation Possible case of banking fraud Breach of fiduciary duty to us investors 3. The Contract Was Based on Fraudulent Misrepresentation I signed an agreement thinking : My funds would be securely held by XXXX XXXX XXXX. 
There was a valid business structure. 
But in reality : The money went into an account held by someone not legally affiliated with the LLC. 
The person running it ( XXXX XXXX ) may not even be allowed to engage in business in the U.S.

This means my consent to invest was based on false information and that can void the contract entirely.

Legal Doctrine and Why It Applies Fraudulent Inducement : I was misled into signing and investing based on false pretenses.

Lack of Consideration : My funds werent properly received by the party ( LLC ) who was supposed to receive them. Constructive Fraud : Even if they didnt lie outright, they acted in
a way that deceived me and breached a legal duty.

Unjust Enrichment : They benefited from my money without honoring their obligation to repay or give me valid equity. 


For Consumer Finance : I am writing to formally report that the PNC business account under the name XXXX XXXX XXXX, account number XXXX with Regional ID XXXX, appears to be a straw account used for fraudulent activity. 

My funds in the amount of {$150000.00} were wrongfully deposited or handled through this account. I demand that this account be immediately frozen and investigated, and that my funds be released and returned to me without delay. 

I have already contacted XXXX XXXX at your XXXX XXXX, XXXX, Texas location regarding this matter. 

Given the seriousness of this situation and the potential criminal elements involved, I request immediate escalation and cooperation with law enforcement authorities to identify and arrest the individuals responsible for this fraudulent scheme. 

Please confirm receipt of this letter and inform me of the steps being taken.

Dear PNC Office Manager, I hope this message finds you well.

I am writing to formally report a suspected case of fraud and account misrepresentation involving a business account at PNC Bank under the name XXXX XXXX XXXX, which operates at XXXX XXXX XXXX, XXXX, TX XXXX. 

On XX/XX/year>, I invested {$150000.00} into this business, with the understanding that the account was being managed in accordance with a legitimate agreement. However, I have since discovered that the PNC business account was opened under the name of XXXX XXXX, who is neither listed as an owner, officer, nor investor in XXXX XXXX XXXX, nor mentioned in the business investment agreement I signed. She has no legal role or standing in the business. 

I was later informed by XXXX XXXX, the operator of the business, that he used XXXX XXXX name to open the account because he was abroad or otherwise unable to open it himself. XXXX XXXX is not a U.S. citizen and may not be authorized to operate a business in the United States. This situation raises serious concerns about violations of federal banking regulations, Know Your Customer ( KYC ) rules, and potential straw account activity intended to conceal the true beneficiary of the funds. 

Additionally, I signed and notarized a Voluntary Withdrawal Agreement on XX/XX/year>, formally requesting the return of my {$150000.00} investment. Despite this, I have not received the funds back. The other parties have failed to sign or acknowledge the agreement and are now claiming that my notarized documents, signed at XXXX XXXX, are invalid. After more than a month, they have only sent an image of a check rather than depositing the funds into my account. 

Given the circumstances, I respectfully request that PNC Bank urgently investigate this matter, verify the legitimacy of the account in question, and take appropriate action, including the immediate release of my {$150000.00} investment. I am requesting that my funds be returned to me. 

Please treat this matter with urgency and confidentiality. I would appreciate confirmation that this complaint has been received and is being reviewed.

Company response to consumer: Closed with explanation