Consumer complaint received 2019-04-06
Company: U.S. BANCORP
State: MO
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 had my SUV taken to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, phone:XXXX on XX/XX/XXXX to just set the timing on a new distributor I installed and do not have the tools to set the timing, or know how. It had no operational problems and only XXXX miles on it. When I got my vehicle back along with charging me for shop supplies for unknown reasons for a total of {$200.00} after be given a price of only {$180.00} for this service, I discovered it had all types of driving issues as the following : Not starting well, stalling in traffic, now power, RPM revs up to 4000 at 40 m/hr., rough idle, making a loud thumping sound when silent before, and at wot it will not go any faster than 50 m/hr. on the highway, and now the check engine DTC says PO300 meaning all cylinders are misfiring from what they told me. I emailed them about these problems on XX/XX/XXXX ( XXXX ) but never received a reply. On XX/XX/XXXX I noticed the cap on the distributor was lifted up. I discovered they overtightened it and broke off the screw in the casting, and broke off the hold down mount. I have a photo of damage. I then reported the problem to my credit card with a fax number of XXXX. I got a reply back from the Cardmember service ( have copies of everything ) first saying I will not win my case then requesting I go to another garage to get a second opinion and have them fill out this unreasonable letter saying it was the other saying it was the other merchants fault. I did and found out that XXXX switch my plug wires between 3 and 5 which XXXX XXXX XXXX shown me with their scan tool like XXXX used as well. The manager at XXXX indicated to me it was a case of fraud. I asked him to fill out this letter from the credit card and he refused saying he did not want to get involved. I had all the plug wires numbered which matched the numbers on the distributor lid. When XXXX fixed the problem and the car now runs perfect I noticed the numbers were switched. I pulled off the plug wires after noting that was not my had writing since I use special drafting methods of making number and seen my original numbers were still on the back of them so I would not notice they switched the wires and wanted me to spend an additional {$200.00} to locate the problem and replace spark plugs. The merchant XXXX did not have to fill out one of these letters, request a affidavit, or deposition from them. Since the US Bank , Bancorp credit card division is a federally regulated national business entity this is a public company by definition. They then are subject to federal laws and amendments. Since Cardmember service will not follow the federal act Fair Credit Billing Act passed in 1975 for not as described intentional merchant fraud, and bad repair service, I should not have to pay this fraudulent charge, nor pay any interest since it has no statute of limitations I just read. Likewise, they are violating the 5th and 14th amendment to the constitution because I told them to subpoena XXXX auto manager and mechanic since they do not want to get involved in what was done to me, nor did Cardmember service give, or offer any proof why they denied my claim beyond not getting the letter they wanted, affidavit, or take a deposition from them. This is violating then due process without getting this information beyond this unreasable letter they gave me to give to them. It was under Cardmember Service claim # XXXX. I also told Cardmember service that I filed a criminal complaint for fraud with the Missouri Attorney Generals office MO Attorney General Complaint Confirmation XXXX. There manager did not care even telling them it violated the Fair Credit Billing Act of 1974.

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