- Report: #1065254
Complaint Review: US Bank - All Cities Select State/Province
Reported By:
Richard Hamilton -
san ramon, California,
Submitted:
Updated:
-
Author Not Confirmed
Why?
US Bank
All Locations All Cities, Select State/Province, USA
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
US Bank Cheating on Cash Back Credit Card Rewards Payments All Cities california
US BANK WILL SCREW YOU
ON THEIR CASH+ VISA CARD
This should be a warning to potential new customers and existing customers who apply or currently use the CASH PLUS Visa card from US Bank.
They screwed us out of $200 in rewards because of a technicality with their web site. We are so upset; we are now looking for another bank as well as cancelling their credit card.
We received the US Bank Visa card about 2 months ago. It is a card where you select categories online that you want 5% cash back (two categories) and 2% cash back (one category). Every other category is 1%. Right, it is confusing to remember this crap even if it does work as you expect.
Here is what happened: We went online May 19 to select FURNITURE for our 5% category because we planned to go out the next weekend to buy furniture. The site registered our selection. We did not yet select our other 5% and 2% category as we were not sure about an upcoming vacation. On May 25th, 6 days after selecting the furniture category, we bought about $5200 in furniture. Later on May 28th we selected our other categories from the site.
When our statement came, we received only 1% reward for our purchase! Their records show our category selection was made AFTER our purchase, which was totally incorrect. The phone rep said they required ALL THREE selections to be made before ANY of the selections go into effect. However, there is no mention of this on their site. The site registered our selection because when we logged back in on the day of buying the furniture, the site showed our previous selection.
Bottom line is that the representatives said there was nothing they would do. They offered a small additional $50 as a compromise which would still leave us $150 short on reward cash. That is not acceptable when it is their system that caused the error to begin with.
Now I am on a campaign to place information on every web site I own and on every complaint board to warn people about the US Bank Cash+. This is more about the principal than my time.
US BANK, rename your card to CASH MINUS because that is what you do….cheat customers out of money.
While on the subject, I don’t think they want you to know when you get cheated. Their statement shows a single line with the amount of money you earned on purchases. Thus, you don’t know how much was at 1%, 2% or 5% and don’t know which purchases earned it. If the discrepancy hadn’t been so high, we might not have noticed the difference.
As a comparison, we will just start using our Fidelity American Express card for everything until we find another Visa or MasterCard. With our AMEX, we get a flat 2% on EVERYTHING. No limits, no remembering what to select for this month, etc., and AMEX shows on the statement how much money we earn on EVERY purchases, item by item.
Shame on you US BANK for cheating us. It should be illegal. My complaints, bad reviews, and web postings, and registration of this page with every search engine will continue until you set things straight. Thus, postings will likely be there forever!
(((REDACTED)))
2 Updates & Rebuttals
Richard Hamilton
san ramon,California,
Read Closer
#2Author of original report
Mon, July 08, 2013
TYG, either you missed the point, of maybe I did not explain clearly.
US Bank mentioned ON THE PHONE AFTER i called them that their system recorded the entry date when all 3 categories were entered, not the date they are individually selected. Neighor the web site nor any documentation said anything about all 3 categories needing to be selected at the same time and their web site DID accept our choice. It is NOT "our bad". It is their way of getting out of paying the extra percentage.
I am confused why you mention anything about an 18% rate. You are confusing their annual percentage rate on open balances as compared to rewards. We don't keep any open balance, so this posting has nothing to do with a complaint about their interest rate.
Rewards do work with credit cards. We manage to get back at least $700 in cash every year by using credit cards that pay cash back rewards (rather than mileage or other things.)
Tyg
Pahrump,Nevada,
Too FUNNY!!!!
#3General Comment
Mon, July 08, 2013
WOW really. The great thing about principles is that it will inevitably be shown for just being petty. Ok so youre complaining that they did not give you back a percentage of your purchase. You do realize that that program is all fake. With a standard on 18.5% interest rate or higher on Credit cards, all they are doing is literally dropping a few percentage points off of WHAT YOU PAY!!!!!!
Listen Im all for giving it to the corporations when we can. Its all part of the game. But if they say you needed to pick all 3 before you would be given the full discount, then guess what, your bad. Now your account is setup. Did you ever think of maybe RETURNING THE FURNITURE until this problem has been resolved??
