Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank sent me a promotional circular stating I would get {$200.00} as a reward for using their card. I did so and then they refused to pay me the reward stating I did not qualify for the reward and they knew before hand that I did not qualify for the reward. They engaged in deceptive practice by offering me a reward knowing that I would not qualify for such a reward. 

Note that I believe that they are in violation of one or more items in Michigans code MCL section 445.903 to wit ( a ) Causing a probability of confusion or misunderstanding as to the source, sponsorship, approval, or certification of goods or services.

( c ) Representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities that they do not have or that a person has sponsorship, approval, status, affiliation, or connection that he or she does not have. 
( n ) Causing a probability of confusion or of misunderstanding as to the legal rights, obligations, or remedies of a party to a transaction.

( o ) Causing a probability of confusion or of misunderstanding as to the terms or conditions of credit if credit is extended in a transaction.

( q ) Representing or implying that the subject of a consumer transaction will be provided promptly, or at a specified time, or within a reasonable time, if the merchant knows or has reason to know it will not be so provided. 
( r ) Representing that a consumer will receive goods or services free or without charge, or using words of similar import in the representation, without clearly and conspicuously disclosing with equal prominence in immediate conjunction with the use of those words the conditions, terms, or prerequisites to the use or retention of the goods or services advertised. 
( s ) Failing to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

( t ) Entering into a consumer transaction in which the consumer waives or purports to waive a right, benefit, or immunity provided by law, unless the waiver is clearly stated and the consumer has specifically consented to it. 
( v ) Taking or arranging for the consumer to sign an acknowledgment, certificate, or other writing affirming acceptance, delivery, compliance with a requirement of law, or other performance, if the merchant knows or has reason to know that the statement is not true. 
( w ) Representing that a consumer will receive a rebate, discount, or other benefit as an inducement for entering into a transaction, if the benefit is contingent on an event to occur subsequent to the consummation of the transaction. 
( x ) Taking advantage of the consumer 's inability reasonably to protect his or her interests by reason of XXXX, illiteracy, or inability to understand the language of an agreement presented by the other party to the transaction who knows or reasonably should know of the consumer 's inability. 
( bb ) Making a representation of fact or statement of fact material to the transaction such that a person reasonably believes the represented or suggested state of affairs to be other than it actually is. 
( cc ) Failing to reveal facts that are material to the transaction in light of representations of fact made in a positive manner.

Company response to consumer: Closed with explanation