Consumer complaint received 2022-12-19
Company: U.S. BANCORP
State: AZ
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 filed a dispute in the amount of {$2600.00} on XX/XX/XXXX to US Bank and XXXX under the following categories. My dispute number is XXXX. 
Charges on goods or services that weren't delivered. 
Charges for goods or services that are received by not as described. 

This is part of the Fair Credit Billing Act ( FCBA ) enacted to protect consumers from unfair credit billing practices and enables individuals to dispute unauthorized charges and undelivered goods or services. 

I submitted all documents showing that the merchant is doing fraudulent business and the service has not been delivered. However, US Bank and XXXX made a FINAL decision favors the merchant and does not allow me to appeal/reopen since Ive signed an agreement of no chargeback and no refund. 

I disagree with the decision. I made multiple phone calls to reopen my dispute but all the requests are denied. I requested copy of the merchant response after being informed the merchant submitted XXXX pages of response to my dispute. I havent had any rebuttal response chance to the merchants response. 
Ive received only XXXX pages of merchants response and all agents and even the supervisor said this is a FINAL decision and there is nothing they can do since I singed it. 
Even though I signed the contract, US Bank and XXXX must have policies based on the FCBA that supersedes the merchants return policy if the product is " significantly not as described '', " misrepresentation '', or not as advertised. 

The merchant has been misrepresenting themselves and has been selling faulty product and not fixing and refunding it. Misrepresentation is illegal in US. 
This is my first dispute with US Bank since I have been a US Bank customer from XXXX. I am attaching all documents Ive submitted. 

The merchant information is as follows. 
XXXX XXXX has been selling counterfeit product. They have been doing their sales based on the XXXX XXXX clinical experiences as a physician and as an US trained doctor, he has been selling how to make $ XXXXXXXX XXXX XXXX monthly passive income and achieve financial independence without working more hours. The purchase includes access to the website with lecture materials, access to the online community, and weekly feedback sessions with XXXX XXXX for 90 days. Their dominant and primary service is the weekly feedback sessions with XXXX XXXX. Their product is not digital product. They have been selling service. I havent received the weekly feedback session. I requested cancelation ( XX/XX/XXXX ) a day after payment ( XX/XX/XXXX ). They and I, both parties, have recorded sales presentation session which was free occurred before payment. Therefore, the merchant response showing access log on XX/XX/XXXX and 74 % course completion are all false statement. 

I even realized after talking with a credit card company representative that the transaction was international charges in XXXX XXXX. The sales rep ( XXXX XXXX XXXX, who is also the president of XXXX XXXX XXXX said that XXXX XXXX is an emergency doctor trained in XXXX XXXX and the United States and has vast experience in business as well, which qualifies his teaching where he has successfully guided many doctors making passive income. All their website XXXX has advertisement that he is an ER doctor. 

Based on National Provider Identifier Standard ( www.cms.gov ), all health care providers who are HIPAA-covered entities, whether individuals or organizations, must get an NPI. All doctors during training ( residents ) and who finished their training get a National Provider Identifier ( NPI ) number, which XXXX does not have. 

XXXX information is public records in the United States. No information is found with name of XXXX XXXX NPI number. The identity of the XXXX is also in question. No medical training information in the United States is available. 
XXXX has not been trained in the United States and he is not an US physician as he and the president of XXXX XXXX XXXX XXXX XXXX XXXX ) described. 

XXXX XXXX is a scammer who pretends to be a US trained doctor and deceives people. I believe that I am a victim of high-level fraudulent organization or scam. 
XXXX XXXX does not have credentials to say that he is trained in the United States and is misinformed about his credentials that qualifies him to teach US doctors or US health care professionals. This is an intentional fraudulent statement that the rep ( who is also the president of XXXX XXXX ) repeatedly gives to consumers advertently to lure customers to purchase the course. 

I realized all these facts after paying money. No one would buy this product or pay money for their service if they knew XXXX XXXX XXXX finished his emergency medicine residency and hasn't even started his residency. 

I am also attaching the response from XXXX XXXX XXXX of XXXX XXXX showing XXXX XXXX is currently not included on the XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX ( the Council ) and the response from XXXX XXXX XXXX why he is not allowed to represent themselves as an XXXX physician trained in US and XXXX XXXX. The official agencies support that this is obvious misrepresentation since he has not finished his residency. 
Additionally, I have been reporting my case to scam reporting sites.

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