Consumer complaint received 2022-06-01
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus by Goldman Sachs was running a promotion. Deposit {$10000.00} in savings then receive {$100.00} https : //www.marcus.com/us/en/savings/osa-savingsbonus I opened the account on XXXX the next day I received confirmation that the account was opened.Marcus by Goldman Sachs Savings <noreply@savings.marcus.com> I had been a customer off/on since XXXX. 

Marcus by Goldman Sachs Fine Print : Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ). 
To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus or by calling Marcus at XXXX ( XXXX ) by XXXX pm ET on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 
After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XX/XX/XXXX XXXX the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer. 
If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account. 
The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 
Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers. 

When I didn't get my promotional money, I called and talked to a supervisor. She said she would ask for an override-for me to get my promotional money. At the next level, they denied my request. I am angry. I followed all the rules, used the correct promotional link, transferred in {$100000.00} which I kept in there for the period of time that should have paid me my promotional money. I realize it is important to follow the fine print for the consumer to receive the promotion. Please help me. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran

Company response to consumer: Closed with monetary relief