Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: KY

Complaint narrative:
I would like to write a complaint about the XXXX XXXX, U.S. Bank branch located in XXXXXXXX XXXX located in the hospital. I had filed a former complaint on this bank. The bank had advertise a promotional offer of {$900.00} to open an account. The promotional guide offers were to keep {$10000.00} in for XXXX days in this account. And that the {$10000.00} had to be placed in there XXXX days after opening the account. Additionally, they needed to be or needed to be complete completed XXXX qualifying transactions. The bank denied me the promotional offer initially as they stated that I did not put new money into this account. I had open the account and I'd also open a personal checking account. I transferred my money for my old account into my new U.S. Bank personal checking account and then transferred it into the business account. The bank said that I did not meet criteria for the promotion because this was not considered new money, even though this was both a new accounts. The bank XXXX, XXXX took my complaint and tried to resolve it, the bank branch, tellers including XXXX and misinformed me and told me during the whole promotional period that I was meeting criteria for this promotional offer. XXXX, who had first did not want to take my complaint at first took my complaint and later informed me after a week that I was still in eligible for the promotion, as I did not have XXXX qualifying. I had asked the tellers and specifically asked for details that is it. XXXX qualifying transactions means XXXX different types of transactions or does it mean doing XXXX type of transaction. The teller XXXX stated that it had to be just XXXX of them XXXX times and had looked at my account and said that I was met this part of the promotion. XXXX, the bank XXXX said that I that I did not get approval from the bank due to the fact that I didn't even meet this qualifying transactions. I feel like this is unfair because the bank tellers did not know about this promotion and they misinformed me leading to me not getting the promotional offer. Additionally, I do not feel like the XXXX and white print on the promotional offer. XXXX whether it's XXXX different transactions or XXXX type of transaction XXXX times it doesn't state that this type of black-and-white print needs to really inform the person trying to meet this offer. Additionally the transactions listed are only XXXX so you essentially have to do all XXXX of them. It seems kind of silly. I think if you bank cared about their clients, they wouldn't try to make someone in eligible for promotional money that they offer that they advertise to people and additionally have their staff misinformed about the whole process and try to eliminate someone out of getting the money. I felt very misinformed. I thought this money would help our business to just have the bank denies us time and time again for these promotional offers. I am very dissatisfied with U.S. Bank and I would almost tell anyone to go bank anywhere else this has been a terrible experience.

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