Consumer complaint received 2019-04-11
Company: U.S. BANCORP
State: MN
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:
To whom it may concern : English is not my first language. Please excuse any error may occurred. 

My name is XXXX XXXX. ( I also have an other XXXX name " XXXX XXXX '' ) My legal name in the states is XXXX XXXX. However, I use the name XXXX XXXX When i travel internationally to match my passport name. 

I XXXX XXXX and my god father XXXX XXXX we use a same credit card issues by Fidelity. XXXX XXXX is the premier card holder. I'm the secondary card holder. We have the same credit card number but Fidelity issue us two card, one for XXXX and one for me. 

On XXXX XXXX I used the credit card made a purchase on XXXX. I booked an air ticket. The trip number is XXXX. Travel Date : XX/XX/XXXX XXXX from XXXX, XXXX to XXXX XXXX, CA. I booked the ticket as my name XXXX XXXX shown in my XXXX passport. 

The amount of purchase is {$370.00}. 

The credit card Fidelity fraud department though this was unusual activity, They called my godfather XXXX XXXX at XXXX in the morning asked him if he made a purchase at XXXX. He was half awake at XXXX so he told them no, He did not. The bank aware of we have 2 card holders in this account but they didn't consult with me made a decision charge back the purchase i made in XXXX. 

what happened is once the airlines ( XXXX XXXX ) received the chargeback request from the credit card, XXXX XXXX sent the website where i made purchase XXXX requested the credit card and card holders Identification but XXXX never notified me anything, As a result, when the deadline date reached XXXX XXXX didn't received the documentations they required, They canceled my ticket. 

When I found out this, I contacted XXXX they informed me to contact the XXXX directly, I did but XXXX XXXX told me the ticket was purchase from XXXX I should contact the travel agency XXXX. I been push forward between XXXX XXXX and XXXX. No one is willing to help me. The money was charged and the ticket was cancelled. 

As a result I have no choice but disputed with the credit card Fidelity. Fidelity settled the dispute amount of {$370.00} on XX/XX/2019. They issued credit of {$370.00} to the credit card. 

However on XXXX XXXX Fidelity sent me a letter states the credit they issued to me is reversed now because the merchant responded to the dispute. 

According the attachment from XXXX They indicated the charge should not be dispute because it was not a fraud. Therefore the dispute was settled in the marchants favor. 

I contacted the credit card Fidelity explained to them I never used the ticket it was canceled due to the bank chargeback. Why should i pay something i didnt receive the service? The credit card informed me they wont dispute the issue any further. I will have to resolve this matter with the marchant XXXX. 

On XX/XX/XXXX, I called XXXX. I was given information by XXXX they will not issue a refund. They said due to the credit card charge back, The ticket was forfeited by the Airlines but the transaction is valid. They refused to refund me. 

XXXX XXXX in other hand told a different story ; They said the ticket was canceled the card holder should be refund. Since the company who respond the dispute is XXXX. They are the one need to refund me. 


Please help me. The credit card said they wont dispute any further and XXXX refuse to refund my money. 



Sincerely

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