Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have had many calls with PNC via phone and at the XXXXXXXX XXXX  location pertaining to fraudulent activity reported on sons checking account for which I am also on. PNC continually states my separate personal account is responsible for the fraudulent activity that was reported for sons checking account within 2 days of the occurrence. 

A brief history of activity in question is as follows : XXXX : Fraudulent check in the amount of {$9300.00} deposited at a XXXX, XXXX  ATM. I have a copy of this check. The first name on the check is incorrect. The first name was mispelled. The back of the check should state for " for PNC mobile deposit only '' and include the account number. It does not. 
XX/XX/scrub>XXXX : Son was on the phone with PNC at XXXX ( XXXX XXXX ) noting the above check was not deposited by him and is fraudulent. He was told the account would be frozen for investigation and was recommended to close account and reopen a new one. This account should have been frozen from completion of the phone call. 
XX/XX/scrub>XXXX  : ATM Withdrawal of {$800.00} at XXXXXXXX XXXX : This is fraudulent and clearly tied to the check deposit. 
XX/XX/scrub>XXXX : ATM Withdrawal of {$200.00} at XXXX XXXX  : This is fraudulent and clearly tied to the check deposit.

Note : How can any transaction be approved from the completion of the phone call on XXXX XXXX XXXX XXXX XXXX XXXX XXXX? The account was frozen. XXXX XXXX {$2000.00} POS Purchase XXXX XXXX XXXX XXXX XXXX effective XXXX  Transaction should not have been permitted as account should have been frozen.

XXXX  : {$1500.00} POS Purchase XXXX XXXX XXXX XXXX XXXX effective XXXX. Transaction should not have been permitted as account should have been frozen.

XXXX : ATM Withdrawal of {$800.00} at XXXX XXXX : Transaction should not have been permitted as account should have been frozen.

XXXX : ATM Withdrawal of {$200.00} at XXXX XXXX  : Transaction should not have been permitted as account should have been frozen.

XXXX : There are many additional withdrawal transactions from this date that should not have been permitted as account should have been frozen.

Note : Son also had multiple direct deposits for which he could not access due to the account being frozen. XXXX : Debit memo in the amount of {$9300.00} noted. The account is now negative.

XXXX : {$8900.00} ( ACH TEL XXXX PNC MAKE A PMT LOAN PYMT ) was removed from my personal account, which is not tied to XXXX at all. I was provided reasoning that per PNC policy if an account is negative for 2 consecutive months, if someone on the account has the funds in any other PNC account, they would remove the funds accordingly. How can this be allowed? 

My sons account ending was frozen on XXXX and then went negative on XXXX due to fraudulent activity reported on XXXX. Both accounts should be corrected as PNC allowed the fraudulent activity to persist even though PNC was notifed immediately of the activity.

Company response to consumer: Closed with explanation