Checking or savings account -- Managing an account -- Complaint #7354030
Complaint Overview
Complaint ID: 7354030
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
State: California
ZIP Code: 90066
Date Received: 2023-08-04T12:00:00-05:00
Date Sent to Company: 2023-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a US Bank checking account in XX/XX/2023 with a promotional code XXXX. I found this code and link directly on the US Bank public website and then I proceeded to click on the link which took me to the account opening instructions and also pre-populated the promotional code for me. I carefully read the requirements needed in order to qualify for the {$400.00} account opening bonus ( direct deposits totaling XXXX or more within 90 days of account opening ). I met these requirements in XX/XX/2023. The bonus was never paid. I followed up with US Bank several times and was told by several different representatives that I had met the requirements. Ultimately my query was forwarded to the US Bank promotions department who explained that the code which I had found using a public link was a targeted code that was sent out via mailer and only recipients of this mailer qualified for this new account opening bonus. I re-iterated that I had found the code on US Bank 's public website and that nowhere during the application process was there any obvious warning or disclaimer that customers were targeted and therefore could be denied the bonus.
Frequently Asked Questions
What is Complaint #7354030 about?
Complaint #7354030 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-08-04T12:00:00-05:00.
How did U.S. Bancorp 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 U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp 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.