Consumer complaint received 2023-08-30
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am XXXX years old XXXX  XXXX  and my wife is XXXX years and a XXXX  XXXX. 
She had a major XXXX in XX/XX/XXXXXXXX  and, except for medical visits, had largely been confined to home. Her doctor has informed her it typically takes a minimum of 2 years to recover from a XXXX like hers. 

Our children, a son and a daughter, felt it would be a great idea for her to get out in the open fresh air by seaside, and after doing some research and with friends ' recommendation, picked on XXXX XXXX, XXXX XXXX, XXXX. 

We booked three rooms, one for ourselves, a second for our son and family and a third for our daughter and her family. The rooms were reserved through XXXX. They were " All Inclusive ' and included all meals, drinks and entertainment. Each one of us paid for our own respective rooms. We used a XXXX credit card to pay for our room. 

At the resort we presented our US Bank credit card when we checked in, for them to place a hold on it in the event of additional charges not included. 

Details of disputed additional charge : {$380.00} on XX/XX/XXXXXXXX XXXX XXXX 
Details of dispute : This charge was not incurred by us nor charged to our room by XXXX XXXX and they are not aware of such a charge. 

Please see attached documents for details of our correspondence with the resort and US Bank. 

US Bank reported nonpayment of this charge to XXXX and my FICO score dropped by XXXX points. Around the same time, XXXX XXXX XXXX, I had applied to XXXX for a credit card that they declined for this very reason. 

Meanwhile XXXX XXXX Bank keeps charging me monthly Late Payment Fees and also charged me interest for the same. They have reported me several times to XXXX and my FICO has dropped some more. I disputed this with XXXX without success. I don't know what transpired between them and US Bank. 

They have ruined totally my financial reputation that I carefully built and nurtured over many years of professional working life, and it is now in tatters. 

I have received several reminders by message from U S Bank. I wrote to them a letter on XX/XX/XXXXXXXX  requesting some information related to the disputed charge. They have avoided answering but on XX/XX/XXXXXXXX  they responded without referring to my referenced letter and did not provide any information or answered any of my questions. Instead it included some earlier forms that I had already responded to. 

We are not lawyers but feel we have been, and still are, subjected to harassment, intimidation, coercion and extortion. We are receiving by US Mail, statements demanding payment of all these charges that are based on a fraudulent charge, a work of fiction and an outright lie. 

We expect U S Bank to prove to us with solid irrefutable evidence that this charge was incurred by us or charged by the resort to our room for some valid reason that was unknown to us. The only additional charge of {$14.00} to our room was for a tube of Neosporin anti-biotic that we bought at the Gift Shop. This was paid separately by our daughter with her XXXX XXXX card when she checked us out. 

In the absence of such a proof or documentary evidence it is clear to us that a fraud has been committed and communicated to us both via U S Mail and electronically by internet and phone app in violation of U S Mail Fraud law 18 U S Code 1341 and 1343. 

We expect U S Bank to provide information requested in letter dated XX/XX/XXXX, remove all related invalid charges from our account including late payment fees and interest, restore my credit rating to what it was before they reported nonpayment, and make us whole for all the hardship, harassment and anguish we have suffered by paying us damages, both exemplary and punitive, and other as applicable under the law. 

Our trip was meant to alleviate my wife 's pain and suffering but has been turned into a nightmare by someone's greed that saw an opportunity to make some extra money {$380.00} plus additional charges. 

Details of phone contacts with U S Bank : 1. I called U S Bank credit card customer service on XX/XX/XXXXXXXX  and spoke with their fraud department. I was told somebody would call me back. I received a call from them on XX/XX/XXXX. Their representative was very rude and loud and shouted at me by saying I was yelling her. I told her I have not said anything and it is you who is yelling at me. She yelled some more and finally said " I am done with you '' and cut off the phone. 
XXXX. On XX/XX/XXXXXXXX U S Bank credit card called me on my landline @ XXXX XXXX  and cell phone @ XXXX XXXX  from ( XXXX ) XXXX. On answering the second call, nobody answered. On checking further, I determined it was a caller identification number only and there was nobody to respond. 
XXXX. I have been receiving " stalking '' calls on my cell phone from XXXX that on checking further I found out it to be a scam call from US Bank. This number called me twice a day, sometimes three times, and also on XXXX. We were afraid that if we answered these calls we would be stuck with hefty charges and/or threatened with further actions. Details below : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XX/XX/XXXX : XXXX XXXX   and XXXX XXXX  On XX/XX/XXXXXXXX  I received bank scam calls from XXXX @ XXXX XXXX  and XXXX XXXX  on my cell phone that I have determined that answering these calls or calling back at this number could cost me thosuands of dollars. 

Please note I have additional documents if required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief