本文提到的內容來自群友 R 分享，非常感謝~！如果你也有類似投訴的經歷，歡迎在評論區分享

背景

群友 R 在 2022 年 5 月通過郵箱的 promo 和連結，申請了 US Bank checking 的優惠，當時有 $500 的開戶獎勵。但是他在六月完成了開戶獎勵的任務後，一直沒有收到開戶獎勵。

此前打了六七次電話，等了差不多一年都沒有收到 bonus, US BANK 每次都是編造藉口拒絕給 bonus

總是編藉口，比如 我不在該 promo 的定向範圍內, I didn't meet spending requirement


最後他求助於 CFPB，一封投訴信提交後，很快 US Bank 就把獎勵發放了

投訴信全文

我閱讀了一下他的投訴信，寫得非常不錯，值得大家借鑑；US Bank 也可以先搭個框架，再交給 chatgpt 幫你寫完潤色。

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 US 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 US Bank

第一段總結一下我遇到了被賴掉開戶獎勵的情況，同時強調已經完成了所有的開戶要求。

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 US 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.

第二段把附件的證據說明一下，方便 CFPB 的工作人員查看

Moreover, Attachment 3 displays my US 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.

第三段把滿足開戶獎勵的完成情況講一下，證明已經完成

Despite my repeated attempts to contact US 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.

第四段說明我已經多次聯繫 US Bank，但是對方不解決問題。

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between US 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 US Bank honors their promotional offer by promptly providing me with the promised 50,000 points.

跟 CFPB 表明，我這個問題是符合你們管轄範圍。

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.

進一步給 CFPB 戴個高帽子，誠邀他們介入解決

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.

表示有需要還可以問我要材料。

投訴信基本框架

大家如果想要投訴 CFPB，可以參考下面這個投訴信框架

  • 概述我遇到什麼問題
  • 簡單描述我如何滿足了銀行的要求，但是沒有給我發放獎勵
  • 描述我聯繫銀行的溝通情況（失敗了或者對方不理會）
  • 表明屬於 CFPB 管轄範圍，帶戴高帽子（可以照搬上面文章的）
  • 表明有需要材料再聯繫我

關於 CFPB

CFPB 的全稱是 Consumer Financial Protection Bureau，是美國政府的機構，在金融方面保障消費者的權益。如果你在和銀行的溝通中感覺到不公平對待，或者銀行賴帳之類的，都可以透過 CFPB 來投訴。
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