Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: GA
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:
Who : 1. XXXX XXXX ( US Bank customer and " account holder '' for Visa ending in -XXXX. 2. US Bank Dispute Resolution Department. 3. XXXX XXXX XXXX XXXX.

What : On XX/XX/19 account holder attended the practice round of 2019   XXXX XXXX XXXX  held at XXXX XXXX XXXX XXXX. The account holder purchased merchandise from the pro shop. The merchandise shop did not have visible signs that noted that all sales are final ( i.e. no monetary refunds and only exchange of goods ) nor did the person at the register state that the sales are final. Only the back of the receipt noted in fine print the terms and conditions ( which violates the cosumer protection laws on disclosing fully that sales are final ). On XX/XX/XXXX, account holder reached out to the merchant to request a partial refund on some unused goods and shipped the goods back to the merchant ( via XXXX ). The merchant noted then via phone that sales are final. As the account holder felt that the merchant failed to disclose properly the nature of the transaction, the account holder requested US Bank ( account holder 's bank that issued the Visa credit card ) to resolve this dispute. Account holder requested a chargeback in the amount of {$230.00} as all the goods were returned and received by merchant. The account holder filled out all required forms, attached copy of the receipt, etc. ( attached herein ). US Bank denied this chargeback request on XX/XX/19 noting that Visa requires account holders to try to return the goods and resolve in person. Account holder let US Bank know on XX/XX/19 ( via phone call ) that the merchant does not allow anyone on its property to buy or exchange goods other than during the time of the tournament ( which is held once a year ). US Bank noted that they understand this transaction was an exception and will get back to the account holder by XX/XX/19. The account holder did not receive any calls or messages from US Bank.

Where : Initial purchase was made on XXXX XXXX XXXX XXXX.

When : Initial purchase was made on XX/XX/19. Attempts to obtain refund or dispute resolution took place thereafter ( see timeline above ).

Why : Account holder is eliciting CFPD 's help as US Bank failed to contact the account holder after they noted that they will have resolution by XX/XX/19. Account holder believes that the merchant failed to adequately disclose the terms of exchange/refund. Account holder also believes that given the attempts to resolve in person ( not possible since merchant does not allow anyone on property ) were made and that since all the goods were returned in new/unused condition, he is deserving of the refund to his account. The merchant noted that in the case of exchanges, they can only describe what the other goods look like, which the account holder also believes is predatory since the merchant does not publish what its good look like in order for consumers to make informed decision on alternative goods.

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