Consumer complaint received 2024-06-30 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: WY

Complaint narrative:
In XX/XX/year>, Is selected my 5 % cashback rewards for the following quarter of XXXX XXXX and XX/XX/year>. My 5 % cashback for rewards were television and XXXX. 

In XXXX, I received my 5 % Cash Rewards for charges made to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I earned a 5 % cash reward of {$15.00}. 

In XXXX, I made the following purchases. 
XXXX {$49.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$60.00} The total of these purchases was {$300.00}. 
My 5 % XXXX reward shouldve been {$15.00}. 
Instead, I only received {$3.00}. This was a 1 % cash reward instead of a 5 %. 

In XXXX, I earned 5 % Cash Rewards on purchases from the identical companies listed above. 
XXXX, XXXX if XXXX and XXXX XXXX XXXX. 

I went to the local bank branch and talked to my banker about why I had not received 5 % Cash Rewards in XXXX. She called her contact and the credit card company and my banker called me back several days later. She was told that my 5 % rewards should be on my statement the end of XXXX. However, they were not. I only received 1 % Cash Rewards back for the month of XXXX. 
I called the credit card company and discussed the problem with them. They said they would get back with me in several weeks. I received a letter from them two days ago, which I have attached. They claimed that I did not enroll in my category selections until after my charges were made XX/XX/XXXX. My category selections were not activated until XX/XX/XXXX. This was very perplexing to me as I had activated the cash back quarter selections in XX/XX/year>. I also had received 5 % Cash Rewards in XXXX. Yet they told me that I did not activate my quarterly categories until XXXX. 
I think I can explain the confusion. After I made my category purchases on XX/XX/XXXX, I received an email from the credit card company. The email advised me to activate my cash back categories for XXXX, XXXX and XXXX of XXXX 
I was very perplexed by this because I had already activated my categories in XXXX. 
To prove this, You can see that I had already received my 5 % Cash Rewards in ApriI! I just assumed that some sort of error had been made on the part of the bank. So I went ahead and clicked on the link to get into the credit card website. It looked like my cashback rewards for the months of XXXX XXXX, and XXXX had been selected and already locked. So why did they send me an email telling me that I needed to select my categories again? I went ahead and selected my categories again and locked my selection. I am enclosing an email that the bank sent me dated XX/XX/year> confirming my category selection. 
It was because the bank sent me an email in XXXX telling me to make my cash reward categories selection for the months of XXXX, XXXX, and XXXX that caused this confusion.

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