Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I will start by saying that I have been a PNC customer for over 20 years. I went to PNC XXXX ( XXXX GA ) to deposit money into my account. While there, the bank manager kept trying to upsell me to get a credit card. I told her no because I already have a credit card with XXXX  XXXX, and I was happy with just the XXXX credit card limit. This manager may have seen how much money I had in that account at PNC at the time, and kept pressuring to upsell. She told me that if I had interest with XXXX XXXX, that is what is call " bad debt '' and that she could get me a credit card with no interest for 18 months. She told me that if I used the card for a certain purchase amount within a certain amount of time, that I would get a portion of that purchase credited back. This sounded like a win-win. I told her I was only interested in getting a business credit card in order to increase my XXXX XXXX  XXXX score. She told me ok. She ran my credit and I was approved for XXXX for what I thought was a business credit card. She told me I could transfer the debt from XXXX XXXX, and just close the XXXX XXXX card. She had me sign a magnetic pad ( this pad had no XXXX, or screen or anything to it. ) I signed it. She then told me that I would get the documentation with the card, but that there was a delay in the Georgia mail delivery at the time. I went to my car, and something didn't feel right. I felt like I had been scammed. I got out and went back in to ask her if the card was in my business name, and she said no. I told her, " I told you I only wanted a business credit card. I would like to cancel this card. '' She then told me, " You can't cancel it. You will have to wait until you get the card and call to request to cancel the account. '' My fianc 's mother got sick and we had a XXXX on XXXX visits and hospital stays with her, and it slipped my mind ... but one day while I was in the hospital waiting room ... I just decided to go ahead and transfer the balance over the phone. I called PNC to do that. About a month later... I noticed finance charges for over {$100.00}! Then I checked the previous bill and saw the same!! I was livid! I called them to see why I was being charged as it had not been 18 months, and the young lady told me that I was only to get no finance charges on the transferred balance..not the whole card. THIS WAS A BAIT AND SWITCH tactic. The bank manager was VERY deceptive, and that magnetic pad that they have people sign aids in the deception because the consumer can't see what they are signing. When I called customer service about this " bait and switch '' ... they proceeded to tell me that it was either one promotion or the other. TOTALLY DECEPTIVE! I never even received paper work when I walked out. My case was escalated to someone else..who has given me the run around for almost 3 months. She asked me to wait until after the holidays. Then she asked me to wait another two weeks. I feel this person has no intention or no clue on how to resolve my issue.I have requested that they honor what they told me with no interest charges. This is unfair and fraud!

Company response to consumer: Closed with monetary relief