Checking or savings account -- Opening an account -- Complaint #5233746
Complaint Overview
Complaint ID: 5233746
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Didn't receive terms that were advertised
State: California
ZIP Code: 94131
Date Received: 2022-02-17T12:00:00-05:00
Date Sent to Company: 2022-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.
Frequently Asked Questions
What is Complaint #5233746 about?
Complaint #5233746 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2022-02-17T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.