PNC Bank Bank Account Or Service Complaint

PNC Bank Bank account or service department,

Other bank product/service Account opening, closing, or management Virginia

Using a PNC Flex Visa rewards credit card, I earned - points. I redeemed them for - $100.00 - gift cards. The cards were shipped on -/-/2015. On -/-/2015 - closed my account and banned me for life for buying too much ( spending $ - per year ) and returning too much ( around - % of items bought were returned ). The merit of - refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in -, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. - should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.