Consumer complaint received 2018-04-06
Company: U.S. BANCORP
State: LA
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:
Read a Secure Message Date : XX/XX/XXXX Message # : XXXX Subject : Can't get through to dispute department ... 
Message : I have also opened a dispute with XXXX and will be filing a complaint with the Consumer Finance Protection Bureau since you can't handle this. XXXX On XX/XX/XXXX at XXXX XXXX the following message was sent : Sherre H, According to XXXX XXXX is the previous email : " You can dispute the transaction ( s )  in question by responding to this email ''. I did that and now XXXX needs to do his work that he promised. Please pass this issue to a supervisor! Apparently you aren't qualified to handle this issue. XXXX On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote : Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX via our website about your XXXX account ending in XXXX. For assistance with unauthorized activity on your account, you will need to contact our Fraud department directly at XXXX. A representative will be happy to assist. We have credited your account for the Late Payment Fee of {$27.00}. You will see this credit on your next billing statement, as well as online within the next two business days. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX  the following message was sent : XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$5.00} XX/XX/XXXX XX/XX/XXXX LATE FEE - PAYMENT DUE ON XX/XX/XXXX {$27.00} XX/XX/XXXX XX/XX/XXXX OPC CONV FEE NM CRS XXXX AL {$6.00} XX/XX/XXXX XX/XX/XXXX NM DEPT OF REV CRS XXXX NM {$270.00} I am disputing all of those charges. I have never lived in New Mexico and have not visited there since XX/XX/XXXX. I've googled the company and it is the New Mexico Taxation and Revenue Department. I have never had business or any dealings with them. My account must have been compromised. I would like the late fee and interest charges dropped for this fraudulent transaction as well. Please report to the credit bureaus that this account is in good standing and has made payments 100 % of the time. Thanks, XXXX XXXX On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote : Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX via our website about your XXXX account ending in XXXX. Since you have contacted us via email, our reply will also be via email. You can dispute the transaction ( s ) in question by responding to this email, calling us at XXXX, faxing the information to XXXX, or mailing your request to the following address : Cardmember Service XXXX. XXXX XXXX XXXX, ND XXXX If you choose to process your dispute via email, fax, or mail, please include the merchant name, the dollar amount of the transaction, and the date the transaction occurred, along with a statement of why you are disputing the transaction or that you do not recognize the charge. If you do not recognize the merchant, and believe that your account has been compromised, please contact our Fraud Department at XXXX for immediate assistance. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX the following message was sent : I am trying to get through to the fraud/dispute department, but I was waiting on hold close to 10 minutes. Please have someone from the fraud department call me at XXXX. I can't spend all day at work waiting on hold. Thanks, XXXX XXXX DELETE MESSAGESAVE MESSAGEREPLY

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