Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (MI)

Dear sir or madam, I am writing this email about the opening bonus of PNC business checking account. 
PNC bank has promotion to open business checking from XXXX, XXXX to XXXX XXXX Earn {$200.00} with a business checking account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 20 total qualifying PNC Bank XXXX XXXX XXXX transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles I applied for the PNC business checking online on XX/XX/XXXX. I received email and mentioned that my account was approved. But I need wait for a phonecall : ( please see XXXX email 1 ) You will receive a call from the PNC Care Center to guide you on your next steps of completing the Account Opening Process. 
Once you have completed your Account Opening Process and you have your account number, then you can enroll in Online and Mobile Banking1,2. 
Even if PNC indicated my account was approved, but opening process was not complete. I waited for phone call for many days to finish my opening process. I received an email from XXXX XXXX instead of phone call. This email mentioned that my account opening request is not complete, and I need esign and confirm the Account Registration and Agreement ( s ) contained in the URL link below where indicated within 10 ( business ) days. 
I called XXXX and asked several questions and finally I esigned everything requested by XXXX on XX/XX/XXXX. ( please see XXXX email 2 ) Then I sent email to XXXX and ask for account number and online access pin in order to enroll online bank to fund the money ( At that time, it was peak time for Covid 19 ). XXXX  told me that account number is embedded in esigned document ( it is difficult to find ), but he didnt have online access pin and he gave me a phone # ( please see XXXX email 3 ). However, the phone # was wrong, After I got correct phone # and contacted the correct person for online access pin, she told me that she couldnt tell me the pin by phone, and she need mail to me. 
After I received the online access pin, I immediately enroll online banking and started to fund {$5000.00} into my account on XX/XX/XXXX. 
I might receive the online access pin on XX/XX/XXXX. I would like to consider this date is my account opening date. After that I deposited over {$5000.00} in my checking account for more than 3 months and spent debit card over 20 time within 90 days. 
I think that I have fulfilled all PNC bank promotion conditions and should receive {$200.00} bonus. But I didnt. 

I called PNC bank customer service and asked why I didnt receive {$200.00} bonus on XX/XX/XXXX. The representative told me that I didnt deposit {$5000.00} in first statement cycle. 
The thing is my PNC business checking started to fully function on XX/XX/XXXX. And I deposited {$5000.00} on XX/XX/XXXX. Before XX/XX/XXXX, my checking account was not complete and have many different issues. 
I believe that I fulfilled PNC bank business checking promotion conditions and I would like PNC bank to credit {$200.00} into my account. 
Please see the attached email for details. 


Thank you very much for your considerations Sincerely XXXX XXXX