Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint description : U.S. Bank denied my XXXX XXXX  checking bonus, stating I did not complete five qualifying transactions within 60 days. I believe I met all requirements and that the bank used the wrong open/activation date, which shortened my window. 

Timeline and details : Application approved : XX/XX/XXXX. I could not access/use the account for ~5 days due to additional documentation review. My effective activation date was around XX/XX/XXXX. 
New money deposits ( met balance requirement ) : XX/XX/XXXX Electronic Deposit Interactive Brok + {$2000.00} ( ACH credit ). Account maintained {$5000.00} through XXXX. 
Qualifying transactions within 60 days from activation ( approx. XX/XX/XXXX XX/XX/XXXX ) : 1 ) XX/XX/XXXX ACH credit from Interactive Brokers + {$2000.00}. 
2 ) XX/XX/XXXX Mobile Check Deposit + {$210.00}. 
3 ) XX/XX/XXXX Mobile Check Deposit + {$21.00}. 
4 ) XX/XX/XXXX Debit card purchase at XXXXXXXX XXXX XXXXXXXX {$11.00}. 
5 ) XX/XX/XXXX Debit card purchase at XXXX XXXX {$4.00}. 
Additional potentially qualifying item : XX/XX/XXXX Electronic Deposit XXXX XXXX  + {$10.00} ( should count if coded as an ACH credit ). I do not need this to reach five if the activation date used is midMay. 
Items I am NOT counting : XX/XX/XXXX Card Transfer Credit XXXX + {$3000.00} ( credit card transfer, not new money ), and later credit card payments ( XXXX ), ATM withdrawals, and persontoperson payments ( XXXX XXXX debit purchase ) all excluded by U.S. Banks terms. 

Prior resolution attempts : Around XX/XX/XXXX, I chatted with a U.S. Bank mobile app agent who told me they saw that I met all requirements and we just needed to wait for the system to post the bonus. 
On XX/XX/XXXX, I chatted again ; the agent stated the 60day clock starts on the created date even if access was delayed and declined escalation. They did not verify the open/activation date used for the promo nor the coding of the XX/XX/XXXX deposit. 

Why I believe this is a banking error : The banks terms require five qualifying transactions within 60 days of account opening ; the bank appears to have used XX/XX/XXXX rather than the effective activation date ( about XX/XX/XXXX ) despite access restrictions imposed by U.S. Banks document review. Using the activation date, the two XXXX debit purchases ( XX/XX/XXXX and XX/XX/XXXX ) fall within the 60day window, giving me five clear qualifying transactions. 
The bank did not provide the specific information I requested ( the promo open/activation date they used and the transaction coding for XX/XX/XXXX ), and contradicted their earlier assurance ( XXXX chat ) that I had met requirements. 

What Im requesting : Require U.S. Bank to audit and confirm the official open/activation date used for the promotion and recalculate the 60day window accordingly. 
Verify that the two XX/XX/XXXX mobile deposits are counted separately and confirm the coding of the XX/XX/XXXX Electronic Deposit XXXX XXXX as ACH credit or P2P. 
Credit the denied XXXXXXXX XXXX bonus upon confirmation that five qualifying transactions occurred within the correct 60day window, or provide a written explanation with documentation of the open/activation date and transaction codes used to deny the bonus. 

Amounts and dates involved : Bonus amount disputed : {$400.00} ( XXXX XXXX  ). 
Key transactions : XX/XX/XXXX + {$2000.00} ACH ; XX/XX/XXXX + {$210.00} mobile deposit ; XX/XX/XXXX + {$21.00} mobile deposit ; XX/XX/XXXX {$11.00} debit purchase ; XX/XX/XXXX {$4.00} debit purchase ; ( optional ) XX/XX/XXXX + {$10.00} ACH if applicable. 
Denial communicated : postXXXX ( exact denial date unclear ) ; reconfirmed via agent chat on XX/XX/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 explanation