Consumer complaint received 2018-03-24
Company: UNITED BANKSHARES, INC.
State: PA
Product: Credit card or prepaid 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:
This complaint is against United Bank. The following is a copy of the language submitted to United Bank : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA  XXXX XX/XX/XXXX United Bank XXXX XXXX XXXX. 
XXXX, VA  XXXX XXXX : ACCOUNT XXXX ( XXXX DEBIT CARD DISPUTE ) 1. My name is XXXX XXXX and I am the sole account holder for United Bank Checking Account XXXX. 

2. A XXXX  debit card was issued in conjunction with the above referenced checking account. The XXXX card number is XXXX XXXX XXXX XXXX. 

3. This is a formal dispute of purchases made with the above referenced XXXX debit card. 

4. All of the disputed purchases were made with XXXX XXXX XXXX XXXX , XXXX ( a.k.a. XXXX ). I entered into a formal contract with XXXX and I have enclosed a copy of that contract in its entirety. 

5. Section 10.3 of the contract indicates the role XXXX with respect to pet services arranged via their website. In sum, XXXX is the facilitator of payments for services provided between private parties. In accordance with the terms of the contract, XXXX transfers funds from a pet owner to a pet service provider within 48 hours after completion of the service. 

6. Each individual transaction was processed as a credit purchase. At no point in time was a pin number provided for any purchase.

7. The following purchases are formally disputed : a. {$290.00} on XX/XX/XXXX b. {$42.00} on XX/XX/XXXX c. {$42.00} on XX/XX/XXXX 8. I contacted XXXX in the middle of the services being provided via telephone and put them on notice that the Service Provider was not abiding with the terms of the contract. Despite being put on notification ( on more than one occasion ) of the contract not being adhered to, I was offered no assistance and funds were released in violation of the terms of the contract. 

9. I attempted to work with the company to resolve the issue on many occasions. I have attached my last email communication. XXXX never responded. 

I am happy to provide any additional information that would help with this matter. Please contact me via the following email address : XXXX ( note, this may be different than the email on file ). 

I look forward to hearing from you. 

Sincerely, XXXX XXXX, XXXX. 


Enclosures On XX/XX/XXXX, United Bank issued a DENIAL OF CLAIM and found that the merchant " ... has abided by the terms and conditions of the contract .... '' I continue to contend that the merchant violated our contract and was not authorized to disperse funds from my credit card until services were fully completed as defined in said contract. The merchant was on notice that its contractor was not abiding by the terms. In addition, the merchant is negligent in how it verifies the completion of contractor assignments and has yet been able to articulate how they verify the task has been completed. That is the crux of their service.

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 explanation