Consumer complaint received 2022-06-06
Company: U.S. BANCORP
State: CA
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:
I previously complained about USBANK not giving me appeal rights about a dispute against XXXX XXXX  for services not rendered. They initially blamed the time that it passed ( more than 60 days ) and that because I passed that time limit they could not do anything for me. I exposed to the bank that the vendor had a contract clause that prevented me from complaining before the 60 days. In that clause we both agree ( vendor and I ) to resolve fees issues via arbitration or ADR. I abide to the end of my bargain and I follow the instructions provided on what to do per contract provisions. On the other had, XXXX XXXX from the XXXX XXXX violated her own contract clause and refused to participate in the ADR process after me starting the process with the Louisiana Bar per our own contract clause. per contract clause, we needed to seat down and discuss her charges and allow an arbitrator to come to a conclusion. That process toke several months because it is a legal process and the excuse given to me is that with the pandemic things get longer to be handle. When I filed the complaint against the bank for not giving me my appeal rights and violating my rights, they give me some partial credit and asked me to get a letter from a lawyer stating facts that the services rendered were not of quality or the services were not given. I had talk to a total of 3 lawyers and I am waiting to speak to a lawyer in Louisiana. The lawyers were waiting on USBANK to give instructions on what specifically they were looking in that letter. USBANK is supposed to contact me back and was supposed to contact me back several weeks ago, but that never happened. In addition the California lawyers told me it will be better to get a local lawyer from Louisiana to write the letter since XXXX is from Louisiana. USBANK sent me 2 letters indicating that so far I win 2 of the 5 disputes. The letters were dated on XX/XX/XXXX of XX/XX/XXXX. Those disputes were for small amounts of money and for the same reasons or similar reasons of all of the other 5 disputes. The dispute for {$520.00} dollars that it was supposed to be for {$2800.00} dollars was reversed again without explanation. I still haven't been provided with an explanation to why I win the other 2 disputes, but they are reversing the credit for the one from XXXX with dispute number XXXX. To this day, USBANK haven't clearly provided with appeal rights. I still need a telephone number and an address to complaint with XXXX or the agency that will look into my appeal. I was asking for a simple letter with a telephone number and days to make the appeal. Something that it is easy to understand without all of the fine prints. USBANK is still not able to do that for me. They keep telling me that people will be calling me from the dispute or fraud department to speak to me, but that is not happening. Also, because this process has cost me so much time and money, I am demanding for the bank to request a bigger refund for the 2 disputes I win. I been speaking to lawyers and it seems that is unnecessary because USBANK don't seem to be able to want to assist me and they are denying disputes or revising my money without a clear explanation or appeal rights. Because of the extra money and hassle I had spent on the disputes I am claiming the following : For win dispute XXXX, I am demanding {$730.00} dollars more in addition to the already given credit. 
For win dispute XXXX, I am disputing {$770.00} dollars more in addition to the already given credit. 

I earned that money and initially I only claim a small portion of the charges, but given that the process has been so cumbersome for me and all the road blocks, I am demanding the full extent of what I should receive for services that were not rendered or deficient. 

Again, I want to receive my appeal rights in a simplified form and I want the bank to give me an explanation to why they are denying my appeal rights, why they are not calling me like they are supposed to ( as promised ) and why I win 2 disputes for the same reasons I dispute the 5 amounts, but they are already reversing the credit for one with no explanation.

I still working in getting a local lawyer from Louisiana as requested or suggested, but they take time as I needed to speak with 3 others in California that suggested I should get a local one.

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