Consumer complaint received 2018-05-14
Company: U.S. BANCORP
State: FL
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:
On XX/XX/XXXX I purchased one 2-month tryout subscription for my son in the Boxing Gym : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX FL, XXXX / Phone XXXX / email : XXXX /owner : XXXX XXXX XXXX ). 

On XX/XX/XXXX the only one payment was made for {$100.00} with a credit card issued by US Bank, ( the second month was paid with a different credit card, with no problems ). 

On XX/XX/XXXX while having practice at the Boxing Gym, my son suffered a XXXX XXXX   injury ( XXXX in one hand and XXXX in the other ). SEE ENCLOSED DOCTOR VISIT OF XX/XX/XXXX & HIS DIAGNOSTIC. 

On XX/XX/XXXX I called the Gym and formally cancelled the tryout subscription. 

Important - Please note that : a ) My son never returned to the Gym after the day of the injury ( on XX/XX/XXXX ). 
b ) The cancellation was due to his double injury on XX/XX/XXXX. 
c ) No charges were posted in the credit card issued by US Bank ( until XX/XX/XXXX ). 

Two months later, the fraudulent charges began : 1. On XX/XX/XXXX the 1st fraudulent charged of {$100.00} was made by Boxing Gym : XXXX XXXX XXXX. 
2. On XX/XX/XXXX the 2nd fraudulent charged of {$100.00} was made. 
3. On XX/XX/XXXX the 3rd fraudulent charged of {$120.00} was made. 
4. On XX/XX/XXXX the 4rd fraudulent charged of {$120.00} was made. 

Summary of fraudulent charges : As of today, XX/XX/XXXX a total of {$460.00} of fraudulent charges has been posted in my credit card account. 

Communications with the Boxing Gym owner, XXXX XXXX XXXX : Since the very 1st fraudulent charge was identified early in XX/XX/XXXX, I have spoken several times with the Gym owner, XXXX XXXX XXXX, at XXXX, and his response has been always the same : he will consult with his accountant to see if the reimbursement was possible. However, the Gym owner has never reimbursed the fraudulent charges to the credit card. In addition, in XX/XX/XXXX, my son and my wife were personally to Gym location ( at XXXX XXXX XXXX XXXX XXXX FL, XXXX ), to personally request the reimbursement, and even though the owner was not there, the employee said he will give our message to him. 

Communications with US Bank : Since the very 1st fraudulent charge was identified early in XX/XX/XXXX, I have spoken several times with US Bank customer service at ( XXXX ) XXXX to report the charges as fraudulent and to dispute them all 4. Please note that : a ) I have disputed all 4 charges formally ( filling and signing the Banks forms required ) ; however, only 2 have been credited back. 
b ) During my first call I requested to block the merchant ( XXXX XXXX XXXX ), but the Bank employee explained that this was not possible, but instead they will cancel that credit number and will issue a new one. I agreed with this process ; however my request ( the cancellation of actual credit card and re-issuance of a new credit card number ) never happened. 
c ) I have paid my credit card balance in full all this time ( up to Todays date XX/XX/XXXX ). 

In summary : a ) As of today, XX/XX/XXXX a total of {$460.00} of fraudulent charges has been posted in my credit card account. 
b ) US Bank has only credited back {$230.00} c ) The merchant ( XXXX XXXX XXXX ) keeps making fraudulent charges to my credit card. 
d ) US Bank keeps paying these fraudulent charges on my behalf. 
e ) I am simultaneously filing claims with the Consumer Financial Protection Bureau, XXXX XXXX XXXX ( Case # XXXX ) and the Florida Office of the Attorney General. 

Thank you, XXXX XXXX

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