How do you collect the cash back rebate earned yearly from a VISA credit card?

The Associated Bank sponsors this VISA cash rebate card, and the billing info reads REBATE DOLLARS EARNED YTD: $407.17 We have had this card over a year and I can not find out how to receive the money. Thanks , and yes the bank didn't seem to be much help so we are in the process of changing banks and I hate to go back.

How do you collect the cash back rebate earned yearly from a VISA credit card?
Hello, I would first put a request in writing, certified mail. Keeping a copy for your records. I would contact your local commerce of banks, local federal reserve/equivalent,states attorney's office, and though it is just a reporting station I would leave a complaint with better business bureau.





This is something you have in writing regarding your cash back rebate and what's owed to you. If they don't honor you, consider putting in a small claims.





Check your local laws and if necessary, how the the laws apply where the card is from. Example, Delaware.





Good Luck





p.s. Here is some extra information





http://www.federalreserveconsumerhelp.go...


Can I file a complaint?


You can file a complaint if you think a bank has been unfair or misleading, discriminated against you in lending, or violated a law or regulation. We investigate complaints related to federal consumer protection laws, such as the Equal Credit Opportunity Act, Fair Credit Reporting Act, and the Truth in Lending Act.





http://www.federalreserveconsumerhelp.go...





How do I file a complaint?


First, try to settle the problem directly with your bank or financial institution. If you cannot resolve the problem, contact us for help.





To file a complaint, you can:





* Call us toll-free at 888-851-1920 (TTY: 877-766-8533) 8 a.m. to 6 p.m. CST


* E-mail us at ConsumerHelp@FederalReserve.gov


* Send us a fax at 877-888-2520


* Write to us at:


Federal Reserve Consumer Help


PO Box 1200


Minneapolis, MN 55480





In your complaint, be sure to include the following:





* Your name, address, and telephone number(s).


* The complete name and address of the bank involved in your complaint, if known.


* The names of those you dealt with at the bank, along with the dates.


* A description of the complaint. Tell us what happened. The more information we have about the problem, the faster we can investigate and respond. Include copies of letters or other documents that may help us investigate your complaint. Please send only copies of documents - do not send originals.





File your complaint online now. To file your complaint via fax or mail, download and print the consumer complaint form.








http://www.federalreserveconsumerhelp.go...





What will the Federal Reserve do?


We will connect you with or forward your complaint to the appropriate federal regulator for the bank or institution involved in your complaint.





If your complaint is against a financial institution that the Federal Reserve supervises, it will be investigated by one of the 12 regional Federal Reserve Banks.





As the Reserve Bank investigates each issue raised in your complaint, it will:





* Ask the bank involved for information and records regarding your complaint.


* Determine if the bank's response addresses your concerns.


* Send you a letter about its findings.





The Reserve Bank may also contact you to request additional information necessary to complete its investigation.





The Reserve Bank will let you know if it finds an error or a violation of a federal law or regulation. Investigations typically take 30 to 60 days to complete. If more than 60 days have passed, the Reserve Bank will contact you to let you know the status of its investigation. Please note that it may take several months to investigate more complex complaints like those alleging illegal credit discrimination.





http://www.federalreserveconsumerhelp.go...


What won't the Federal Reserve do?


Although the Federal Reserve looks into every complaint that involves the banks we regulate, we do not have the authority to resolve every type of problem. For example:





* We are unable to resolve contract disputes or undocumented factual disputes between a customer and a bank. In these cases, we suggest that you contact an attorney.


* We cannot investigate matters that are the subject of a pending lawsuit.


* We are unable to resolve complaints about customer service or disagreements over specific bank policies and procedures not addressed by federal law or regulation.
Reply:Oh before you change you need to find someone from the bank, and they should be able to tell you about this rewards program. No if's , in's, or butts.
Reply:There should be a number attached to the back of that credit card, call it and ask them for help.