Consumer complaint received 2017-11-27
Company: U.S. BANCORP
State: NJ
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:
In XX/XX/XXXX I had to hire XXXX XXXX XXXX for an IRS issue because three accountants I had previously could not figure out how to resolve the issue. The issue was an Accountants method of handling depreciation. I had to pay XXXX {$12000.00} which I had to spread over three credit cards because I am at poverty level I only make {$25000.00} a year. 

I had to sign a contract to allow them to charge my credit cards. I had no choice because I needed someone to handle this matter. From day one it was nightmare dealing with XXXX because you never get to speak to real accountant just case managers that no nothing about taxes. They just are the in-between person to get documents when needed. Anyway in the so called Resolution phase of my matter which is the offer to the IRS. The IRS sent me an important letter responding to XXXX offer which was rejected and I had 30 days to respond back. So I had faxed the letter on Wed. evening twice to XXXX the fax machine indicated the fax went through twice. I then e-mailed my case manager the next day Thursday to ask if she rec 'd my fax. No response I e-mailed her again. No response. On That Thursday afternoon I called her and left message no response. On that Friday I called three times throughout the day no call back. Monday came no call back I now am panicking so I filed a BBB complaint against XXXX called all the credit card companies to start disputes on all the charges. I then had to hire another Tax Lawyer in Maryland to handle this case for {$1000.00}. 

I put this in dispute with XXXX XXXX XXXX for the {$4000.00} charged to my card. XXXX originally told me that they had enough facts to credit my account, but XXXX told me on the phone if I did not settle with them for {$1800.00} and drop all complaints and bad reviews I would not get a dime. They also told XXXX had sided with them before XXXX even told me they were not going to honor my dispute. So I was blackmailed into settling for the {$1800.00}. Also while on the phone I had to sign release and delete all bad reviews and give XXXX a five star rating. So with my financial situation I had no choice but to take the {$1800.00} because I needed money to pay my credit card bills. 

I then find out XXXX in fact had agreed to side with XXXX without advising me of the same. I then wrote back with further details of what took place. They told me in a letter that if I had more information to supply the same. I did so and never rec 'd a response back. When I got my bill on XX/XX/XXXX XXXX had put back the {$4000.00} and when I called to speak to the dispute dept person answered knew of my situation and then said I will get someone to help I was put on 20 min hold no one ever answered. They dropped the ball and I never rec 'd the service I contracted for and was blackmailed into settling for pennies compared of what XXXX charged. XXXX was very unprofessional and now are hiding under a rug. They have no answer for their actions. I even have my business account with them and told them I would close my account should they honor this and I will go forward with pulling my account.

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