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Harrison
Harrison

Hi Doc, a question.

We recently opened a Citibank account for the $300 bonus. I deposited the $15,000 but we lost the debit card so requested a new one. In absolutely no uncertain terms I stated about 4 times that I did NOT want overnight delivery and wanted it delivered 5-7 days for free and even confirmed that the customer service rep understood, and she said she did.
However, Citi, in their infinite competence, did it anyway and charged me $13 for the privilege, causing my account to overdraw into negative figures. I’ve yet to be charged an NSF fee (which is weird), but I expect I will be. The deposit was pending at this time but had not yet posted.

The thing I’m getting at is, this is clearly Citi’s fault. If they say in 3 months time that I fell below my minimum of $15k as a result of the NSF (even if I get it reversed) and refuse to honour the bonus, will I have a case with the CFPB that they screwed up? I didn’t meet the requirements in the strictest sense, but only because of their incompetence.

As an aside, I have read many complaints of “terrible” banks and thought some of them sounded a bit dramatic but nothing prepared me for the experience of dealing with Citibank when things go even slightly wrong.

Sydney
Sydney

Does anyone have experience with Bank of America? They emailed me to get more information asking me to call them. I called the number and extension but it always goes to voicemail.

Mayra

I would like to thank you for your advice. I am super frustrated from getting the run around from B.B. & T Bank located in NC. took all the proper steps and waited the allotted time. I did everything that was required of me to receive the promotional bonus that they were advertising in May of 2019. I transferred my social security deposits to this bank. I applied for the bonus online and in person when I opened the account with a fifty dollar deposit. We are now in the month of September and they tell me now that they do not see a code for me on their computer system, and they will get back to me later, because, they are “investigating the matter”. The bank rep where I opened the account says she is waiting for feedback from the promotional dept via email. She says she can’t communicate by phone only through email with them. This all matter is very fishy and has caused great anxiety to me, because of the run around and deception. It is affecting my health! I did not take a screen shot because, I never imagined this terribly frustrating situation would happen to me. Thank you, again!

CC
CC

I was denied the Discover online savings account bonus because when I transferred funds they were held in limbo for security purposes. The money had been cleared and was shown as being transferred out on the originating account, but it did not post on my Discover account until the day after the deadline. Response from Discover reps was “Sorry we needed to hold the funds for security. Too bad.” Is this something the CFPB could help with?

Gadget 🕵️

You can always try, but don’t get your hopes up too high. I believe if the bank didn’t violate a law, the CFPB can’t enforce it. However, maybe by bringing it to some supervisors attention, you can get a favorable result.

Tony
Tony

I got Amex Platinum credit card 03/2018 and met the requirement for welcome bonus but I have not got the bonus. The agent from Amex told me that there is no welcome bonus when I applied that credit card. I thought the welcome bonus should be always there regardless the various amount of MR points you got when you apply.
The is my first platinum card so I think I am eligible for the bonus.
I want to File a complaint with the CFPB, so my question is how can I get a screenshot for the welcome bonus page of the time I applied the platinum card(03/2018)?

Chuck

You need to apply from a link that shows the signup bonus. If you did that, then you can file a complaint with CFPB. Otherwise, it’s a tough error 🙁 , but I don’t see it as a valid complaint.

Tony
Tony

I definitely applied from a link that shows the signup bonus.
according to the link below, I need a screenshot of welcome bonus webpage at the time I applied to file a valid complaint. Do you know how to get one?
https://www.doctorofcredit.com/met-the-requirements-of-a-bank-bonus-and-havent-received-it-heres-what-to-do/
“Screenshot of the offer at the time of your application (if you forgot or lost your screenshot, we take and post these on our site as well)”

Chuck

I guess you can try the wayback machine

Ronald

So BMO Harris bank had a 200 dollar promotion run around the time I set up my account. I click the link and made sure the promotional code was added. Then I summited my application, the stipulations of the promotion was to have 2 direct deposit of more than 500 dollars from a job and make 10 credit/debit card transaction within a certain time frame. Then after a 120 days from opening account. Guess what never got the 200 dollars, BMO customer service refers to the bank, and you go to the bank get referred back to customer service. Went to social media got a little help and was told the promotional code was not on the application. So I tell them it was and I was told by one of there rep it was on there. Not is gone, very deceiving how BMO gets customers to sign up for accounts and take away from other banks that do thing correctly. Know BMO is telling I can’t get the promotion, seem legit illegal and I am not the only one this has happen too. But I will keep up the fight and any suggestions to what I should now. BMO Harris make it right if your reading this.

Charles Mann
Charles Mann

The CFPB is your friend!

Karl Stursberg
Karl Stursberg

I applied for a platinum checking account through Citizens Bank and never received the $250 bonus. I tried customer service at Citizens and their office of the chairman and got nowhere. Their marketing dept claimed that I needed a promo code, but there was none when I clicked on the web page for the offer. So I complained to the CFPB and they did nothing. Stay away from Citizens Bank because they do not honor their advertising/promotions.

AllwaysLearning22
AllwaysLearning22

I guess – “live and learn”. As stated by others on this page, you need to save a copy or a screenshot of the terms and conditions when you are signing up. I myself have seldom done so. Should do it every time if you want to have ‘documentation’ that you followed their rules and met their conditions.

Spencer Christensen
Spencer Christensen

Thank you so much for the information. I, like someone else who earlier, am dealing with US bank not giving me my sign up bonus. I unfortunately lost any sort of fine print or offer details. It was this exact card I signed up for:
https://www.usbank.com/splash/credit-cards/cash-plus/aff/index.html

I called for the first time today and they wanted to say I may not have qualified for the offer. However, there are no details on their site about qualifying for that specifically. Will that website be sufficient proof to send to the CFPB or would you possibly be able to offer more advice on where to look for the full agreement

Sam
Sam

http://www.freezepage.com to keep the screenshots. Many banks have a http version of the https offer page.

AllwaysLearning22
AllwaysLearning22

I use ‘Save File As’ in Chrome. You can save the whole page as one .mhtml file. You can then open it later in Chrome. You can search it, print it, etc.