Checking or savings account -- Managing an account -- Complaint #4609818
Complaint Overview
Complaint ID: 4609818
Company: Bank Of The West
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
State: California
ZIP Code: 90043
Date Received: 2021-08-07T12:00:00-05:00
Date Sent to Company: 2021-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, In XXXX I opened a checking account with a promotion for {$250.00} with the following terms : Requirements to Receive the {$250.00} Bonus : Apply for a new consumer Any Deposit Checking account with a promotion code either online at XXXX : XXXX or in a branch between XX/XX/2021 and XX/XX/2021 with any opening deposit amount ( {$0.00} or more ). Any Deposit Checking account must be opened by XX/XX/2021. All deposits must be posted by XX/XX/2021. Bank of the West Checking account must be in open status and have a positive balance greater than {$0.00} as of XX/XX/2021 to be eligible to receive the bonus. Bonus will be credited by XX/XX/2021 to the new, open Bank of the West Checking account. Account must be in open status to receive the bonus. I have fulfilled the terms of the bonus with DD of {$1000.00} in XXXX, XXXX, XXXX and XXXX and have not received the bonus. When I inquired, there was a long delay and then they were unable to confirm the bonus and said bonuses would post in XXXX : Here 's the message : We sincerely apologize for the delay in responding to your message. We have experienced an increased volume of messages from our customers, and are responding to them in the order in which they were received. We deeply regret this inconvenience. Review of customer qualification for our Consumer Checking Account Campaign will automatically occur for all the participating accounts during the month of XXXX. As a result, we are unable to confirm that the requirements have been met, or speculate the final outcome, as additional terms and conditions apply. Please review the campaign criteria, and evaluate your account activity to ensure you have met all the requirements. Statement credits will be issued by XX/XX/2021. Thank you for contacting Bank of the West. We appreciate your business and the opportunity to serve you. Sincerely, XXXX XXXX Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright 2021 Bank of the West. All Rights Reserved. Doing business in South Dakota as XXXX XXXX XXXX XXXX XXXX Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY You can send money to friends, family, and almost anyone you know and trust? Its easy. Go to bankofthewest.com/onlinetips to learn more. You must be enrolled in Online Banking to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage. -- - Original Message -- - Sent : XX/XX/2021 XXXX AM To : BOW Subject : Contact Customer Service Account : Hello, I'm writing to follow up about the {$250.00} bonus to my account. I have met the DD requirement and according to my notes the bonus should have been deposited in XXXX. Could you please tell me when the bonus will post? Thanks, XXXX Considering I met the terms of the promotion. I would appreciate that the bonus be paid now since it is already past the date stated in the terms. Thank you
Frequently Asked Questions
What is Complaint #4609818 about?
Complaint #4609818 was filed against Bank Of The West regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-08-07T12:00:00-05:00.
How did Bank Of The West respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of The West?
Yes, visit the Bank Of The West company profile at readthecomplaint.com/company/bank-of-the-west to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.