Report: #1411972

Complaint Review: PNC

  • Submitted: Tue, November 14, 2017
  • Updated: Tue, November 14, 2017
  • Reported By: Cait — Louisville Kentucky United States
  • PNC
    249 5th Avenue
    Pittsburgh, Pennsylvania
    United States

PNC Does not Care About the Customer Getting Scammed, Only Cares About Money Pittsburgh Pennsylvania

*Consumer Comment: Wrong...

*Consumer Comment: Any bank would do the same thing in the face of this long running scam

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I was contacted on a freelancer site called Upwork saying that I was going to be an editor for the website The person who did this contacted me from the a cell fake cell number on 10/17/17. He claimed his name was David Nick. He told me to contact his Hiring Director Toni Kassie  via Google Hangouts for the interview and job briefing.  I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $15.34/hr. I was then told I would be emailed a check for $1200 and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working: software, work time tracker, etc. I did that. When the money was in my account (10/20/17) she had me to make a Western Union account and send $800 which added up to $879.99 by the end to Sotomi Taiwo. 14405, Rio Bonito road. Houston, TX 77083. I sent them that (10/23/17) and apparently the money was picked up by said person. A day later (10/24/17) I was told to go to and buy three gift cards in $100 increments for them. They stole my codes and redeemed them.    After Toni tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow (10/25). Around 4:15am on 10/27/17 I receive an email saying that my account was overdrawn by $1,186.47...the amount given by a bounced check plus about $14 I had in the account. I went to go to tell Toni about this but am blocked on Google Hangouts. I tried calling David Nick; he is using  a texting service so no call could be made to him.    I called Western Union and tried to get my money back but could not. They filed a case for me which was case number:1892109. I do not have a way to pay overdrafts or the fees and need my money back. I called Western Union and filed a claim with them. I filed a claim with Amazon who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank (PNC). I filed a claim with (FBI) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this.   PNC was great until this, they do not want to help the customer. I need assistance. I was the one who was the victim of this scam. I should not be held responsible.    I submitted disputes and were given provisional credit whilst they investigated my case. The amount for the Western Union was just recently denied. I thought PNC was verifying that I was scammed, I WAS. I know now that my other dispute for Amazon will also come back denied if this is how they work. I am really considering leaving PNC because this is unjust.

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#1 Consumer Comment


AUTHOR: Robert - (United States)

Sorry to tell you this but you are at fault.  When you present a check to a bank for deposit you are representing it is a valid check.  As such if it comes back as fradulent, you are the one responsible to repay it to the bank. You can look up the concept of a "Holder in Due Course". Now, if this was a legitimate company, you in turn could go after the person who gave you the check and get them to pay you back. However, since nothing this person gave you is real, and they are not even in this Country this is just about impossible. As a result you are the one left holding the bag.

Now, the real bad news. If you fail to pay back the bank or make arrangements with them to pay it back over time. They can(and most likely will) close your account. They will also turn you name into ChexSystems meaning you will not be able to get a "real" checking account for several years. They will also start collection efforts against you that could end up you being sued and depending on your State have your wages garnished. If the bank really wants to push it, they could actually have you charged criminally with fraud.

Intention has nothing to do with this. You are right you are a victim, but it doesn't mean that the bank is required to take the hit for this scam. Unfortunatly this is a very common scam with many red flags that you should have picked up on. For one ANYTIME anyone that you do not personally know sends you a check and askes you to send them any money back..even $0.10. You can guarantee it is a scam regardless of the reason.  When you went to Western Union they have warnings all over their site and on the forms that warn you of this type of scam.

If you think this bank is unique again you are incorrect. Regardless of the bank this happened to the result and responsibility would have been the same.

Again Sorry and Good Luck

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#2 Consumer Comment

Any bank would do the same thing in the face of this long running scam

AUTHOR: Denita - (United States)

A version of this scam has been around for a very long time. You can read about it at under financial scams.  There is no reason for any employer to send you a check in a larger amount than what you need to purchase any goods or services so the receipt of a "check" larger than what you needed for the supplies was a huge red flag. To send any funds back to the employer or employer rep is another huge red flag and the essense of the scam. No legitimate employer sends you funds to have you run the funds through your bank account and send the funds back to the employer or employer rep.

This scam is not the fault of PNC or any bank. It is up to you to know where your funds come from and recognize if they are not legitimate. If in doubt, don't accept the check. If you accept the check, don't deposit it. You are responsible for repayment because you are the one that spent the money. Yes, you sent it to a third party that you don't know - but it was still spent by you.  I don't work for any bank, but I am aware of how these scams are conducted to keep from falling into one of these type traps. Make payment arrangements with PNC for your outstanding balance. Keep an eye out for other scams because once you have fallen for one you end up on a list of people that have participated in the scam and this list is sold from scammer to scammer. Expect to receive other scam type offers - be careful. BTW, all banks would make you responsible because it was your actions that allowed the scam to work. 

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