Consumer complaint received 2021-10-20
Company: U.S. BANCORP
State: CT
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 purchased as replacement for a lost XXXX XXXX XXXX XXXX XXXX earring on XXXX pair advertised as the same ( see attached ). Upon receipt, it was immediately obvious the earrings I bought from the seller were fakes. I contacted XXXX XXXX Corporate ( " XXXX '' ) who confirmed that the seller was unauthorized to sell authentic XXXX XXXX ( see attached ). XXXX 's policy is to return the purchased item to the seller, but as a practicing lawyer I can not because knowingly transporting fake or counterfeit items through the mail is a felony. I contacted XXXX XXXX ( " XXXX '' ) fraud department to report the purchase and they provided a provisional credit. I completed their application ( see attached ). First they claimed they never got it but retracted that lie when I showed the 22 page fax confirm as proof I indeed completed the application and did so on time. The fraud dept. next insisted that I provide additional " proof '' that the earrings were fake. At law, proofing a negative is impossible. XXXX knew that XXXX does not authenticate items and that XXXX authorized dealers are forbidden by their insurance carriers to provide documents stating that items are counterfeit or fake due to liability. So XXXX knew or should have known that the additional and unnecessary proof was impossible. They already had sufficient proof as follows : 1 ) the fake earrings in the pictures are OBVIOUS fakes, not even a good copy side by side with the authentic earrings ; 2 ) XXXX XXXX XXXX stated that the seller was unauthorized to sell XXXX jewelry ; 3 ) XXXX stated it would provide a refund without argument 4 ) XXXX suspended the seller and 5 ) most importantly, my history with Peoples XXXX Bank over 30 years as an attorney with a business account and personal account ( s ), this was my only report of fraud ever. Nevertheless XXXX delayed a permanent credit until XXXX withdrew the refund offer because I missed the deadline trying to full the impossible demands made by XXXX who already knew I could not fulfill the demands. Peoples XXXX Bank, despite our long term relationship, did nothing to advocate except " kick the can '' and pass the request back to XXXX to reopen the case. So XXXX reopened the case. Even so, WHILE THE CASE WAS REOPENED, XXXX charged me {$80.00} in " late fees ''. ( see attached ), a disgusting swine move! XXXX is hostile to customers not helpful and XXXX has knowingly aided and abetted XXXX and the preditory seller in perpetrating fraud and selling fake jewelry. This is evidenced by XXXX 's latest letter denying me a credit on my card when ; they were provided pages of proof that any court of law would accept as evidence. And believe me I shall file suit in court against XXXX. XXXX is as dirty as XXXX and the seller. As an addendum, I'm happy to learn that Peoples XXXX was purchased by XXXX XXXX XXXX XXXX  and that most of the corporate waste of space executives, including the president, XXXX XXXX, who did not advocate for a thirty year customer are being FIRED and replace by XXXX XXXX XXXX XXXX  employees. Just desserts!

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