本文提到的内容来自群友 R 分享，非常感谢~！如果你也有类似投诉的经历，欢迎在评论区分享

背景

群友 R 在 2022 年 5 月通过邮箱的 promo 和链接，申请了 usbank checking 的 offer，当时有 $500 的开户奖励。但是他在六月完成了开户奖励的任务后，一直没有收到开户奖励。

此前打了六七次电话，等了差不多一年都没有收到 bonus, US BANK 每次都是编造借口拒绝给 bonus

总是编借口，比如 I was not targeted for the promo, I didn't meet spending requirement

最后他求助于 CFPB，一封投诉信提交后，很快 usbank 就把奖励发放到他的账户了

投诉信全文

我阅读了一下他的投诉信，写的非常不错，值得大家借鉴。当然，你也可以搭个框架后，交给 chatgpt 帮你写完润色。

Subject: Complaint Regarding Failure to Receive Promotional Bonus

Dear Customer Financial Protection Bureau (CFPB) Representative,

I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the 50,000 points as offered by U.S. Bank.

第一段总结一下我遇到了被赖掉开户奖励的情况，同时强调已经完成了所有的开户要求。

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 contains the email I received from U.S. Bank, which clearly outlines the terms and conditions of the promotion. Attachment 2 confirms that I opened my new account within the specified timeframe, well within the 30-day window.

第二段把附件的证据说明一下，方便 CFPB 的工作人员查看

Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of $200 on 6/2/2022 and an additional $4,801 on 6/15/2022, both of which exceed the minimum deposit requirement of $5,000. Furthermore, I successfully completed more than 5 qualifying transactions on 6/16/2022, thereby satisfying all the eligibility criteria stated in the promotional offer.

第三段把满足开户奖励的完成情况讲一下，证明已经完成

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over a year since I fulfilled all the requirements, and the bonus has still not been credited to my account.

第四段说明我已经多次联系 usbank，但是对方不解决问题。

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised 50,000 points.

跟 CFPB 表明，我这个问题是符合你们管辖范围。

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected.

进一步给 CFPB 戴个高帽子，诚邀他们介入解决

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

表示有需要还可以问我要材料。

投诉信基本框架

大家如果想要投诉 CFPB，可以参考下面这个投诉信框架

  • 概述我遇到什么问题
  • 简单描述我如何满足了银行的要求，但是没有给我发放奖励
  • 描述我联系银行的沟通情况（失败了或者对方不理会）
  • 表明属于 CFPB 管辖范围，带戴高帽子（可以照搬上面文章的）
  • 表明有需要材料再联系我

关于 CFPB

CFPB 的全称是 Consumer Financial Protection Bureau，是美国政府的组织，在金融方面保障消费者的权益。如果你在和银行的沟通中感觉到不公平对待，或者银行赖账之类的，都可以通过 CFPB 来投诉。