My roommate got her USBank reply via CFPB which we disputed, they offered her to close the account within 30 days and receive a refund of the Annual Fee; we disputed that since a hard credit enquiry had been made and that when she signed up the benefit was part of paying the Annual Fee, which was a membership fee and not an account maintenance fee.
Also noted that USBank continued to advertise the Bonus Nights benefit to lure potential new cardholders for over 10 days with no notification that the benefit was being removed at XX date and that any IT professional could have made that change in 10 minutes yet they allowed 10 days showing a willful attempt to commit advertising fraud.
At this point I just want to make their lives difficult and hope they get fined.