PNC Bank N.A. Credit Card Complaint

PNC Bank N.A. Credit card department,

APR or interest rate Pennsylvania

I utilized a promotion offered through PNC Bank for 0 % interest through - -. I have made my payments faithfully on time. I used the credit card for purchases in - and - -. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in - - - the - most recent being - - when I spoke with - and - - when I spoke with - -. I was told by both of these representatives, in addition to the - representatives before that ( - of which is named - - ) that my promotional balance is $2700.00. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On - -, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates


I must pay approximately $280.00 to avoid interest charges. I asked to escalate the situation to her supervisor and - indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of -. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. I do not understand how my promotional balance can change so drastically from - person to another. I was told by - representatives that it was the same - $2700.00. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to $2700.00 to ensure I would avoid further fees or interest. However, after speaking with - today, it appears that is not an option.