Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (KY)

Complaint against US Bank My complaint is that this bank denied me the XXXX cash back bonus when I did spend the {$1000.00} in net eligible purchases within XXXX  days. The bank states my XXXX  day ended XX/XX/XXXX. 

I opened the US Bank Visa Signature Card on XX/XX/XXXX and was able to use it XXXX hours later on XX/XX/XXXX. In XXXX, I had a cash advance and fees for {$51.00}. This did not count towards the total. In XXXX I paid that off. In XXXX I charged {$41.00} at a hotel and this did count towards the {$1000.00} goal. In XXXX, I charged {$990.00}. All were counted as net purchases. My last two charged occurred on XX/XX/XXXX, authorized for payment on XX/XX/XXXX and then not posted until XX/XX/XXXX. With a transaction date of XX/XX/XXXX, when I ordered both on XX/XX/XXXX. So the last two charges add up to {$46.00}. 
When I added up the net purchases made by XX/XX/XXXX, I purchased {$1000.00}. I waited the XXXX weeks and on XX/XX/XXXX I called to check the status on the {$200.00} cash back. I was told that I only spent {$990.00} because the {$40.00} cash advance and fees did not count. I pointed out the {$41.00} charges and was told that did not equal over {$1000.00}. I asked to speak to a supervisor, and she looked at the account and assured me that I would receive the {$200.00} cash back in XXXX days. 
On XX/XX/XXXX, I called again and was told the money is not coming. The person stated I was sent a letter and that I was short {$7.00}. Now I explained that I ordered both of those XXXX items on XX/XX/XXXX and they were authorized on XX/XX/XXXX and yet the transaction date states XX/XX/XXXX. The supervisor hung up on me and so I wrote to US bank to get this corrected and I have attached the letter and the ordered items from XXXX showing they were ordered on XX/XX/XXXX. I have not heard back about the change to the statement to show the corrected dates. 
I also went into US bank and was told that there is nothing they can do. That this US Bank did not have any control over the credit card with the US Bank Logo. Now I have been stolen from. The {$200.00} should have been put into my account. I do not have control over when the bank posts charges. I did order and spend the money by XX/XX/XXXX. 

On the other hand, my US Bank checking account in XX/XX/XXXX, was charged immediately since the balance was XXXX due to a payment that was not supposed to be taken out. I was charged a {$36.00} on XX/XX/XXXX and XX/XX/XXXX, when my direct deposit is coming on the first of each month. If there is such a delay in posting charges, then why were these fees taken. Is the bank able to decide when to claim a transaction occurred? If so, the rules should have stated a posted transaction. However, they did not. If you are going to charge me immediately to collect an overdraft fee and then delay to ensure I do not qualify for the {$200.00} cash back, that seems rigged and it is already rigged in your favor. I was not {$6.00} below {$1000.00}. I spent over {$1000.00} by XX/XX/XXXX and I want the {$200.00} cash back. You authorized the payments on XX/XX/XXXX, the transactions occurred on XX/XX/XXXX. The money was held on XX/XX/XXXX. I am due the {$200.00} cash back reward. I spent {$1000.00} in net eligible purchases by XX/XX/XXXX and should be given the {$200.00} cash back. US Bank needs to correct this. Below is the information regarding the cash reward and the number that I called in XXXX and XXXX. 
US Bank Number called XXXX. 
Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks ; Balance Transfers ; Advances ( including ATM withdrawals, wire transfers, traveler 's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets ) ; interest charges and fees ; credit insurance premiums ; and transactions to ( i ) fund certain prepaid card products, ( ii ) buy currency from the XXXX XXXX, or ( iii ) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for rewards based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 
Account must be open and in good standing ( not past due ) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

1. Footnote 1 One-time {$200.00} bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+ Visa Signature Card and after eligible net purchases totaling {$1000.00} or more are made to your account within 120 days from account opening. Please allow XXXX weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Existing and previous Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus cash does not apply toward account upgrades. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

Return to content, Footnote 1 2. Footnote 2 Also included as an attachment US bank CC statement from XXXX and XXXX and XXXX. 
The letter requesting the correction of the actual transaction dates The XXXX order information showing that the order was done on XX/XX/XXXX The denial letter of the {$200.00} promised to me from the first call on XX/XX/XXXX