Consumer complaint received 2020-05-27
Company: U.S. BANCORP
State: IL
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:
I applied for a US Bank Business Cash credit card in response to a promotion in which I would earn a {$1000.00} cash back bonus if I spent {$10000.00} in the first 120 days. The promotion also stated " your cash rewards will add up fast - especially when you get multiple cards for employees '' I requested 2 cards : one for myself and one for my son who works in the business. I was approved for the cards on XX/XX/XXXX. That meant I had until XX/XX/XXXX ( 120 days ) to spend the required {$10000.00} to be eligible for the {$1000.00} bonus. I spent the following as shown on my first 4 monthly statements : Statement dated XX/XX/XXXX - Net balance {$170.00} Statement dated XX/XX/XXXX - Net balance {$3000.00} Statement dated XX/XX/XXXX - Net balance {$6200.00} Statement dated XX/XX/XXXX - Net balance {$2100.00} The total spent as of XX/XX/XXXX was {$11000.00}, above the required {$10000.00} - On XX/XX/XXXX I called US Bank to inquire about the bonus, they told me to wait a few more weeks. 
- On XX/XX/XXXX I called again and they told me I should see the bonus in the next statement. 
- On XX/XX/XXXX I called again and they said they would do an investigation and would send me a letter in 7 days. 
- Early in XX/XX/XXXX, I received a letter stating I didn't meet the spending requirements. 
- On XX/XX/XXXX I called again and asked the customer agent to look at my first 4 statements showing the total spending was clearly over {$10000.00}. The rude customer service didn't bother to look but simply told me to refer to the letter. I then faxed in my letter explaining that I'd spent over 10,000 and sent them copy of my first 4 statements. 
- On XX/XX/XXXX I called again to check if they had followed up on the documents I sent. They told me I didn't meet the spending requirements that I had only spent about {$6000.00}. They told me the {$10000.00} spending requirements has to be under my specific card, it can not be combined with my son 's card. I told them the promotion did NOT mention this. In fact, the promotion ( I still keep a copy ) even stated and encouraged me to get additional cards by stating " your cash rewards will add up fast - especially when you get multiple cards for employees. '' My son works for me and in many cases, we use our cards interchangeably and I'm responsible for all charges under both cards. US Bank did not say the {$10000.00} spending requirement had to be under my specific card in their promotion. Otherwise, I would have done all the spending under my specific card only as my son and I were often together, I could have used my card instead of his. US Bank now denied my promotion bonus. They cited their rules which they did not disclose earlier in their promotion. They only disclose this rule after I already made the efforts to spend {$10000.00} so they would not have to meet the obligation they promised.

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 explanation