Consumer complaint received 2017-04-17
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear Sir , 1.  Around  XXXX   XXXX ,   XXXX  , I received a letter fro m US Bank  with the offer to give {$500.00} cash back after I spend {$4500.00} in the first 90 days ( copy attached ).    2. I  applied online for the card and asked for  XXXX  actual cards,  XXXX  for me,  XXXX  for my wife.    3. I  received the  XXXX  cards around  XXXX   XXXX ,   XXXX  . I called US bank then and talked to the representative. I asked her about my cards and the deadline to fulfill the 90 days requirement. The lady said that we ( my wife and I ) need to charge {$4500.00} by the deadline of  XXXX   XXXX ,   XXXX   to qualify for the {$500.00} bonus. I made a note of that on the letter they se nt ( se e copy attached ).    4.  We charged  XXXX  by  XXXX   XXXX ,   XXXX   ( see the  XXXX  statements attached  ).    5. Around  XXXX   XXXX ,   XXXX  , I called and asked the representative ( a lady  ) a bout my bonus. She reviewed the account thoroughly, added the charges from the statements, calculated the dates of the 90 day period and said that the deadline was  XXXX   XXXX , and that I fulfilled the US Bank requirements for the {$500.00} cash bonus, and that it usually  takes 8 - 10  weeks for the bonus to appear on the account. She said that the {$500.00} bonus should thus appear in a week or so.   6. On  XXXX   XXXX , I received a letter from US Bank ( see attached ) saying that I would not receive my {$500.00} bonus cash back.   7. I immediately called US Bank and talked to a female representative named  XXXX . She reviewed my account, added the charges, calculated the 90 days requirement period, and said that I should have received my bonus because I met the requirements. She then put me on hold to talk to her supervisor.   8.  XXXX  came back on the line and said that her supervisor said that I did not qualify for the {$500.00} bonus because my wife and I have  XXXX  cards on the same account. I said that we have  XXXX  cards, but it is the exact same account.  XXXX  was very surprised by what she was told by her supervisor and commented that she never knew about the "  XXXX  cards '' on the same account " splitting '' problem and that she had told all her customers that the {$4500.00} requirement would apply to the account overall, not being split between the husband 's card and the wife 's card. I asked to talk to the supervisor.   9. I talked to the supervisor named  XXXX . She insisted that the {$4500.00} charge has to apply separately to each card issued on the same account to qualify for the bonus. I told her that requirement was never told to my wife and me by any of the  XXXX  representatives I had talked to. Had we known that requirement, my wife and I would have used the same card, since the second card was only a matter of convenience. However, we would have put up with the slight inconvenience of only having  XXXX  card in exchange for the {$500.00} cash bonus.   10. I told  XXXX  that I bank with  XXXX  Bank, I have a checking account, a savings account, and another credit card with  XXXX  Bank. I asked her to review the case and issue the {$500.00} bonus as promised by her representatives who were as clueless as I am about the " splitting '' requirement. Had I known that requirement, I would not have used the cards, since there was no possibility for my wife and me to charge {$9000.00} in 90 days.   11.  XXXX  refused to issue the bonus. I told her that I would have to contact the Arizona Attorney General 's office about this consumer issue. The Arizona Attorney General 's office referred me to you.   I would like to thank you for taking the time to address this matter. Please let me know if you need further information or documentation.     Sincerely,

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