Consumer complaint received 2025-11-08 00:00:00
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
State: CO

Complaint narrative:
I applied for the US Bank XXXX XXXX card on XX/XX/XXXX at approximately XXXX XXXX  MT on the US Bank website ( https : //www.usbank.com/credit-cards/offers/altitude-connect-visa-signature-credit-card.html ). On XX/XX/XXXX, the publicly available bonus listed on the US Bank XXXX card page was XXXX bonus points. 

A few days after activating the card, I noticed that the welcome bonus stated in my app was only XXXX. At that point, I called US Bank ( XXXX ) on XX/XX/XXXX at approximately XXXX MT. I stated that the welcome bonus on my card was not equivalent to the welcome bonus published when I applied. They told me the team would review it and I would receive a letter in the mail. 

On XXXX, I had not received a letter and called to follow up. They said " it was in the mail. '' I received the letter on XX/XX/XXXX. I have attached the letter dated XX/XX/XXXX and the envelop it arrived in post marked XX/XX/XXXX. The letter asked me to send additional information of the offer I received. I returned additional information ( attached ) attempting to prove that US Bank was offering all applicant on their website on XX/XX/XXXX when I applied. I did not believe they would be this dishonest and did not have a screen shot to prove what the offer was, but I provided a source that had saved the over as of XX/XX/XXXX and XXXX AI responses to " What was the bonus offer on the US Bank XXXX card on XX/XX/XXXX? '' I do know that the offer dropped to XXXX on XX/XX/XXXX ( a Sunday ), and I know the website stated it was XXXX when I applied. It would be very unusual for the bank to change their offer on a Friday morning ( XX/XX/XXXX ). I provided as much proof as I can gather and faxed it to US Bank ( XXXX ) on XX/XX/XXXX at approximately XXXX. 

Today, XX/XX/XXXX, I received a letter from US Bank ( attached ) dated XX/XX/XXXX and post marked XX/XX/XXXX stating " We're unable to change the offer applied to your account. We must confirm the offer was sent directly to the account owner. Generic offers, such as those on websites, magazine ads or flyers are not eligible for this type of review. '' The above indicates that US Bank : 1. Did not review my complaint 2. Is claiming they are not bound by the offers publicly advertised on https : //www.usbank.com/ I called again today XXXX to ask for an explanation for why I, the consumer, would be bound by the terms & conditions posted on their application, but that US Bank is not also bound by the offer they post? 

I have also attached the email confirming I was approved and all mailed information that came with the card. I was not mailed a terms & conditions document with the card. I did not receive the XXXX XXXX  digitally or physically and no information was provided confirming the rewards categories or the welcome bonus.

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 non-monetary relief