Consumer complaint received 2025-04-30 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:
PNC Bank/ PNC Financial was already informed that I was a victim of identity theft. I spoke to a XXXX on or around XX/XX/XXXX. XXXX was advised during the call that I am a victim of Identity Theft. I did not have any accounts with PNC, Nor did I apply for any Deposit Account 's or Credit Accounts with PNC At any point in time. I additionally did not open any XXXX Accounts before their conversion with XXXX. I did not apply for any XXXX Accounts, and as I advised I never applied for any PNC Accounts either. I already advised XXXX that I did not ever have a business relationship with PNC Or XXXX. XXXX was already made aware of the fraudulent accounts and identity theft, before they even converted to PNC. XXXX XXXX  Supposedly closed the accounts opened as identity fraud, and sent a letter stating I was not responsible for accounts credit or depository opened in my name without my consent. As my Drivers License and wallet were stolen. Someone applied for Deposit Accounts, and Credit Accounts, at Both PNC and XXXX. I did not personally sign any account applications with either institution. I spoke to PNC Fraud Department and already advised them that the Checking Account and Credit Products ( Loan and Deposit And Credit Card ) Were all fraudulent. I advised I did not apply for these accounts, I did not receive any account opening documents, I did not sign any applications, and I did not receive any Debit cards nor Credit Cards. I did not receive any monetary benefits from these accounts, and I do not know whom stole my information or utilized my information to apply for these accounts but it was not me. I am a victim of Identity Theft. XXXX in her response lied and stated that I advised her that I recall having a PNC Account in XXXX. That's most definitely a lie, and you can go back and listen to the call I had with XXXX in which I explained to her that I have never had a business relationship with PNC or XXXX at any point in time. I also advised I never applied for any products with either company. I sent in a Police Report, and Identity Theft Affidavit. However XXXX refused to have a proper investigation conducted and instead falsely accused me of opening the fraudulent accounts. At this time, I do not believe a proper investigation has been conducted. The accounts are listed below. These account 's should be closed and should not be associated to my information. I want the Online Banking Profile that I never registered for that you guys admitted was under a fraudulent email address XXXX, To be closed, and Removed from my information. I did not obtain online access for these accounts. The email address is not mine. I am a victim of identity fraud. PNC Did not send me any proceeds and I did not make any purchases with any of these accounts. I did not receive any loan proceeds, and in fact I am not sure whom they even sent the loan proceeds to. Wasn't to me. I believe PNC allowed fraudulent transactions from these accounts via XXXX, Funds Transfers, and Debit Card purchases with a Debit card I never received. I did not conduct any of those transactions and they are all fraudulent. PNC has caused a significant financial loss, due to the fraud that has occurred and PNC is refusing to rectify the identity theft not taking it seriously. PNC never responded by email to me. PNC never resolved the issue. These accounts are FRAUDULENT and opened as IDentity Fraud in which I am not responsible for these accounts and they should not be linked to my social security number and should be closed as identity fraud. I also believe PNC Owes me monetary relief for the amount of damages they have caused by continuing to report false information to the Early Warning Systems about these accounts I do not own and never owned. I Believe PNC Should be investigated for Disregarding Identity Theft Claims. 
PNC records confirm that the following accounts were listed : a checking account ending in XXXX that was held with XXXX and charged off, with a balance owed of {$890.00}, credit card accounts ending in XXXX, XXXX, XXXX, and XXXX, and a loan ending in XXXX.

Company response to consumer: Closed with explanation