Consumer complaint received 2022-11-20
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My XXXX XXXXXXXX  was changed to a general purpose card. When that happened they offered a {$50.00} credit if the card was used to pay for {$400.00} outside of XXXX XXXX XXXX The time period was for XXXX XXXX XXXX. I did that, but did not receive the credit. When I asked about it, I was told I signed up too late. Yet, they allowed me to sign up and told me that I was enrolled. 

Here is the message exchange to try to correct this : From : XXXX XXXX. 
Sent : XX/XX/XXXX XXXX XXXX Ref No : XXXX Subject : No credit received XXXX XXXX XXXX  Dear XXXX, Thank you for your response. 

We regret that our services do not meet your expectations. We strive to achieve an excellent standard of service and will use your feedback to appropriately address the service you received. 
In order to receive this particular offer, the opt in request needed to be submitted by XX/XX/XXXX. Our records indicate your request to opt in was received on XX/XX/XXXX. Unfortunately, since the opt in was received after the offer close date, your account will not be receiving the {$50.00} statement credit. We regret any inconvenience you may have experienced during this time. 

If you need further assistance, please contact us at XXXX, or send a secure message through the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist Hide Older Messages XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX If I did not respond in time, then WHY was I told that I had been activated? This is the message I received at the time : Thank you for activating your statement credit offer.To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period.From XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
Dear XXXX, Thank you for your patience. Our records show you did not meet the requirement for the {$50.00} statement credit since you were not opted in on or before XX/XX/XXXX. We regret any inconvenience this may cause.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dear XXXX, Thank you for contacting XXXX.Your email has been forwarded to the appropriate department. We are currently researching this and will follow-up within 2-3 business days.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for statement credit offer in XXXX : Thank you for activating your statement credit offer. 
To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period. 

From  XXXXXXX XXXX  Offer period is XXXX XXXX- XX/XX/XXXX I met the requirements yet have not received my my statement credit. Where is it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief