Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Complaint Regarding Misleading XXXX Credit Card Promotions and Failure to Disclose Eligibility Restrictions I am filing this complaint regarding U.S. Bank 's handling of XXXX XXXX credit card promotional offers for which I met all advertised spending requirements but was denied the promised bonus miles after account opening and use. As a result, I spent significant amounts on these cards, paid annual fees, and reasonably relied on the promotional representations made by U.S. Bank, only to be informed later that I was allegedly ineligible for the bonuses due to restrictions that were not clearly disclosed to me during the application and approval process. Case XXXX XXXX XXXX Signature Card ( XXXX Bonus Miles ) In XX/XX/XXXX, U.S. Bank sent me a personalized solicitation by mail addressed specifically to me as a valued XXXX member. The solicitation prominently offered XXXX bonus miles after spending {$4000.00} within the first 90 days. Relying on that offer, I applied for the card, was approved, paid the annual fee, and completed the required spending. After I fulfilled the spending requirement and repeatedly contacted customer service regarding the missing bonus, U.S. Bank informed me that I was not eligible because of a prior bonus history. My concern is straightforward : If I was not eligible for the promotion, why was I specifically targeted with a personalized solicitation offering XXXX bonus miles? At no point during the solicitation, application process, approval process, or account opening process was I clearly informed that I was ineligible for the advertised offer. Had I been informed that I was not eligible, I would not have opened the account, paid the annual fee, or spent {$4000.00} to pursue a bonus that U.S. Bank had no intention of awarding. Case XXXX XXXX XXXX Card ( XXXX Bonus Miles ) In XX/XX/XXXX, I applied for the XXXX XXXX Card, which advertised XXXX bonus miles after spending {$1000.00} within the required period. I successfully completed the spending requirement and contacted customer service several times regarding the bonus. Initially, I was instructed to wait for the miles to post. Only after further follow-up was I informed that I was supposedly ineligible because of a five-year restriction related to previous bonuses. Again, XXXX XXXX approved my application, opened the account, charged fees, accepted my spending activity, and only afterward informed me that I was allegedly ineligible. This restriction was not clearly disclosed to me in a manner that would have allowed me to make an informed decision before opening the account. Consumer Harm As a consumer, I relied on XXXX XXXXXXXX XXXX promotional representations and completed all required spending activity in good faith. Across both promotions, I completed over {$5000.00} in required spending and paid annual fees based on the expectation that the advertised rewards would be honored. Had U.S. Bank clearly disclosed that I was ineligible for these offers before account opening, I would not have opened the accounts or incurred these expenses.

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