Consumer complaint received 2017-11-14
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX i opened a checking account with USBANK. A week later i received my online enrollment details in the mail and i created online access and logged in. 
I then saw an option that said 'See if you are prequalified for credit cards '. 

I entered in my information onXX/XX/XXXX and and the system came back with prequalified offers with specific apr range of 19.99 % for 3 credit cards. And the cards i was prequalified for were Us bank cash+, Us bank XXXX XXXXXXXX, Us bank flexperks. 

Among them Us bank cash+ and Us bank XXXX XXXX also had the bonus offers of XXXX $ each for spending XXXX $ on each card with in 90 days of account opening on eligible purchases. 

I took the screen shot of that prequalification offer page and posted in a credit forum called XXXX and asked for advice from fellow forum members. I received numerous positive responses about the cards therefore i clicked the 'apply now ' button on the prequalification page and applied for two of the cards that i was prequalified for. 

One was USBANK cash + and the other was US BANK XXXX XXXX. 
immediately on the same day i received an alert from my XXXX credit report about an XXXX inquiry. I took the screen shot of that as well for my records. 

After a few days i was approved for both the accounts and received my cards in the mail. I met the spend requirements for both cards and yet did not receive the advertised promotional bonus of XXXX $ for each of the cards for spending XXXX $ on each. 

And as my screen shots attached with this complaint reveal, there was no where on the prequalification page any mention of XXXX $ being a targetted offer. The prequalification page screen shot that i am attaching with this message shows date and time of the day i applied .and My myfico forum post asking for advise also shows the same date which match the date of my XXXX inquiry from USBANK . 

when i first called them about bonus, they transferred me to different departments and no one could find the offer attached to my account, after wasting an hour of my time i finally asked them the fax number so that i can fax in the screen shots. 

My first fax was sent on XXXX XXXX XXXX and i did not receive any reply. My second fax was sent on XXXX XXXX XXXX. I did not receive any reply. I finally postal mailed them the documents and i received a reply yesterday from someone named XXXX from usbank card member services. 
Her letter refused to pay me the bonus for both the cards and her reasoning was - " I used a different link to apply for the cards other than the one i submitted as prequalification link in the screen shot. '' Now, i have the proof of date and time in my screen shots, My prequalification page screen shot shows the date of XX/XX/XXXX and my transunion credit bureau shows the date of XX/XX/XXXX and my myfico forum post where i asked for advise before applying shows the date ofXX/XX/XXXX. 
Even though i used the 'apply now ' link under prequalifications i dont know how to prove that i used the exact link, but my forum post asking for advise reveals my genuine interest in knowing if these prequalified offers are solid or not on the very date i applied for the credit cards. 

And all XXXX from usbank can offer is her word " you did not use the link '. without any proof to support that claim. Can banks get away with this kind of generic response and get away with false advertising and not held accountable for giving 'any ' reason for not paying out the bonus? who holds them responsible? I have documentation proof and they have just their word. I very much trust that CFPB takes a thorough look at all the documentation i have submitted with this complaint and does question usbank about its unethical way of operating. From what i have read in numerous credit forums i am not the only one they have refused the bonus. they have been doing for many customers and they seem to get away with this kind of false advertising which in my eyes is fraud.
the documents i have attached with this complaints are the following.
1. USBANK prequalification page screen shot showing the 3 cards i was prequalified for onXX/XX/XXXX. 
2. USBANK prequalification page screen shot showing the 'bonus and other terms ' that i was prequalified for on XX/XX/XXXX. ( Please note that no where on this page there is any mention of this being a targetted offer ) 3. Screen shot of My XXXX credit report showing the credit inquiry from USBANK onXX/XX/XXXX 4. My forum post on XXXX from XX/XX/XXXX asking about us bank prequalification links and asking for advise before applying for the us bank credit cards. 
5. Copy of my letter to us bank asking about the bonus 6. Copy of US bank 's letter of response to my request and their reasoning for not honoring the bonus dated XX/XX/XXXX. 
7. US bank cash+ statement 8. US bank XXXX XXXX statement. 
9. us bank cash+ welcome email 10. us bank XXXX XXXX welcome email Please do the needful and hold us bank accountable for not paying out their customers advertised bonus. 

XXXX XXXX XXXX XXXX

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