Consumer complaint received 2025-09-03 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:
I applied for a business credit card from U.S bank online was approved XXXXXXXX XXXX XXXX. The specific card product was for the " XXXX XXXX XXXX '' and it had an amazing into bonus reward. XXXX  and receive XXXX XXXX  when you spend XXXX XXXX  with in 180 days of account opening. It allowed me to get employee cards in which I did. I jumped to the opportunity and they approved me! As time went on, I began to worry about not hitting my spend bench mark, so I called XXXX XXXX requesting help to review and make sure I had hit the spending required to get my bonus. The representative replied that I need more spend around XXXX XXXX  or so and to make sure I do so. I went ahead and did large purchases and I should if hit the spend required to hit the bonus. I wanted to call again in XXXX and make sure the spend was done. I wanted to verified the way I did the spend on the card would work towards the bonus. So I did call again just to make sure because I thought the bonus amount should of hit my account by the next cycle like the first representative told me it would. The representative told me that I hit the spend requiment, and even went though eaxh stament with me on the call. The rep even checked with a supervisor. He told the reward will show up next statement cycle. As time goes on, late XXXX early XXXX I called again. I did this because just like the last representative told me, it should have been there. The rep. told me that the spend did not qualify because it was done with the employee cards and not account owners. This infuriated me because this is why I called before to make sure all my actions were done correctly to qualify for this bonus. They escalated the issue and again time went on. They escalated the issue XX/XX/XXXX. I called to get a status update and on XX/XX/XXXX with XXXX, a XXXX bank Representative. She told me, again just like everyone else, on a recorded line, that it was approved and it would in my next statement cycle. I was super happy and even noted all the info, call was at XXXXXXXX XXXX XXXX About a week later around XX/XX/XXXX, I get a US bank letter saying - " not approved because the owner needed to do the spend '' this was the last straw. Not XXXX, but XXXX employees mis directed me. They didn't review the requirements like they were supposed to. I called today XX/XX/XXXX, and they escalted me to speak with a supervisor, she said the last person just didn't read all the notes and it was not true. A simple " miss communication '' She agreed and was like, you are right and I understand, but she said it was a no and all she can do is a call back. I'm now writing a formal complain as a violation of udapp. They mis guided me and for 3 bankers to be wrong and mis communicate, made me realize something is not right with Us bank Banking and credit procedures. This is clearly a bank error, the supervisor was saying it was part of the terms and conditions, but why doesnt it clearly stated the spend must be from an account owner. Why did XXXX different employees, lie and told me Inwas right? No real explanation, I feel taking advantage of, I have this small business and that reward would of helped so much paying a bit of the card down.

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