Consumer complaint received 2024-01-08
Company: U.S. BANCORP
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased {$1600.00} worth of gift cards from XXXX on XXXX XXXX, 2023. XXXX clearly had published on their website, that the denomination of gift card I had selected was {$100.00}. The purchase price for the {$100.00} gift cards, was listed as {$50.00}. But for XXXX listing, I would not have purchased {$1600.00} worth of cards, which totaled XXXX {$100.00} denomination cards. XXXX then sent me XXXX x {$50.00} gift cards on XXXX XXXX, 2023, which is a non-conforming good which I did not accept. I tried to resolve this by calling XXXX the same day they were delivered. XXXX told me that I could not get a refund or return the cards per the XXXX terms and conditions. However, XXXX terms and conditions do not mean that I accept the liability for the cards if the cards are not the proper denomination. I called XXXX again the following week to no avail. They told me it was a mistake and offered me {$25.00} in credits, which I reject. Whether or not it was a mistake that XXXX listed the card amounts wrong, they want to stick me with a purchase I would not have otherwise made. This is not reasonable. I then started a dispute with my card issuer, Fidelity Visa. They told me that they agreed with XXXX and ruled against me, citing that the receipt for the purchase equals XXXX x {$50.00} amounts. However, I asked them if the receipt shows the card denominations and they confirmed to me that the receipt does not. So the receipt merely reflects the purchase price of the cards, not the denomination which should have been issued ( I.e. {$100.00} x XXXX ). They then told me I didnt submit adequate proof, even though I had sent a screenshot of the {$100.00} denomination selected and the purchase price of {$50.00} on the XXXX XXXX. The agent, named XXXX, told me that even though the {$100.00} denomination was selected, there were other denominations that one could select. I asked how that is relevant because I didnt select the other ones, I had selected {$100.00} and also asked for a further explanation on how the XXXX XXXX was proof against me if it didnt show the denomination purchased. The agent then hung up on me, apparently unhappy that I was questioning my own dispute. Bottom line is, I was induced to purchase XXXX cards because of XXXX offer, and they want me to be stuck with the {$50.00} denomination cards instead of the {$100.00} cards as advertised, and I will not pay for them. I've attached the proof that XXXX listed {$100.00} denomination cards for {$50.00}. I've also attached one of the receipts for 10 cards as a sample of all the receipts ( I made the orders in like 6 different orders so no need to post them all ). The receipt clearly shows the total charged but no denomination amount - XXXX trying to claim that they shipped what I selected is blantantly false as I've showed. Fidelity Visa refused to see the logic.

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