Consumer complaint received 2019-05-12
Company: U.S. BANCORP
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
I am resubmitting my first complaint because Elan did not give me a satisfactory response. I will expand on my complaint. 

OnXX/XX/XXXX, a payment of {$3900.00} was charged to my credit card. The finance company ( Elan Financial Services ) made an inquiry to XXXX Credit Monitoring on XX/XX/XXXX and found that I did not have an account with XXXX XXXX XXXX, the originating charge. Cardmember Services  notified me that there was a problem with my account. I called them and they told me that a scam had been made against my account and that the transaction was reversed. I asked who made the charge but they claimed they didn't know. They did know the charge came from XXXX XXXX XXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 

On XX/XX/XXXX, they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. 

I talked to 3 employees of Cardmember Service that told me they had no information on the transaction except that it came from XXXX XXXX XXXX. How did they come to the conclusion as soon as the transaction came through that it was a scam? Most credit card companies call the customer if they question a charge. Why was I not called about the charge? Were there multiple transactions like it? 

The Consumer Protection law requires that in replying to my complaint, Elan is required to provide the details of the transaction. Just because you state that I initiated the transaction and benefited from it, does not make it true. 

To fulfill that requirement, Elan must 1. Identify the owner/name on the account from where the transaction originated. 
2. Where did the purchase/service charged to the account originate ( city - state )?

3. What kind of account did the charge to my account come from?

4. What was the charge for? 

If Elan really has a Fraud Dept., they should have no problem obtaining the information. 

Your letter in response to my first complaint states that on XX/XX/XXXX, I initiated a fraud claim. That is not true. I was told by the person who sent me the XX/XX/XXXX letter ( who I called on XX/XX/XXXX ) that he referred my claim to the fraud dept. I called that person again on XX/XX/XXXX and he again told me he referred the account to the fraud dept. and gave me their telephone number. On XX/XX/XXXX when I called the fraud dept., they told me that nothing had been sent to them. They claimed ignorance of the whole issue. Your letter also states that at that time they issued me a new card. That is not true either. Maybe you should try to get your story straight. 

At that point the Fraud Dept. said they were through with the issue and would do no more.

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 monetary relief