Consumer complaint received 2020-04-16
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
" Regarding your assertion that you were informed that there is no record of the promotion, PNC does have an ongoing promotion with XXXX XXXX. In order to qualify for any PNC promotion with XXXX XXXX, the application must be submitted using the link associated with the offer on the XXXX XXXX website. As stated in the previous responses, your application was submitted through pnc.com, where no promotions were being offered at the time you applied. '' First of all.. " Regarding my assertion that I was informed that there is no record of the promotion ''?? Um, no. I WAS informed that there is no record of the promotion. Previous responses on record show that ... " At the time of the application, PNC has no record of a bonus offer being presented to you. '' So, yeah ... Second of all, you want to talk about assertion?? My " assertion '' was correct. You and the rest of your gang over at the Executive Relations Team, really seem to maintain " your '' assertion, that at the time of my application, PNC has no record of a bonus offer being presented to me ... Well, due to you foolishly releasing this new information about an ongoing promotion with XXXX XXXX, you basically just ratted yourself and the others out that you all have been lying regarding " your/their assertion '' for the last 6 months that you had no promotion going on!! So, thank you XXXX, for admitting that you've had an ongoing promotion with XXXX XXXX. Sreenshots attached will show that I've had Credit Karma since before I even opened up my account with PNC, and also that I've been receiving emails from them well before that. Clearly, I don't save them all. Didn't think I ever needed reason to. If I kept every little email I receive, my inbox would be too overwhelming. But, thank you for refreshing my memory as to where I found that promotional offer. 

Regarding you and your colleague 's assertion that my application was submitted through XXXX, prove it ... If you can't, then it is required that you credit my account accordingly, as per the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act. Your collegues previously told me over the phone that I needed to show them the email where the bonus was promised to me. It should not be expected of me to prove that I submitted my application from a XXXX XXXX email. Sorry, but there was nothing in the email stating, " Warning : Screenshot this email because PNC may not keep their promise of giving you the {$150.00} bonus. '' PNC however, needs to show proof that there was no promotional offer at the time of my application if a customer makes a claim that there was. And after 6 months, you XXXX, have finally admitted that there WAS in fact an offer at the time. So, you've already shown that you all are capable of lying. Now you need to show proof that I did not submit my application via XXXX XXXX. What you people did was wrong. You offered a {$150.00} bonus via my credit monitoring service to reel me in, and then took it away. And what's worse, lied about ever offering it. That is called " bait-and-switch advertising '' ; and not AT ALL in accordance with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act ...

Company response to consumer: Closed with explanation