Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: IL
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 bought a XXXX XXXX on XX/XX/XXXX from XXXX XXXX for XXXX The TVs motherboard melted down on XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, this took over a week. 
I called XXXX XXXX and wanted the TV replaced with another TV, they denied me and stated their extra warranty doesnt begin until XX/XX/XXXX and until then I have to resolve any issues with XXXX XXXX 

Repair man replaced the motherboard and the TV booted up again. 

The TVs motherboard melted down again on or about XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, again, this took over a week. 

Anybody by now would think they have a lemon, Im positive I have a lemon but I thought I was stuck with no recourse. I then thought that if I contacted the credit card company, Elan Financial under Fidelity, I called and placed a billing dispute asking for a credit for XXXX to my card and either have them come pick up the TV or I would be happy to take it back to whomever. 

Elan Financial took my dispute complaint and followed up with a letter asking for more details, I called to give them details and also returned their letter with the same info. Not too long after this they sent me a check for XXXX. 

I ASSUMED THEY FOUND IN MY FAVOR AFTER THEIR INVESTIGATION Anyone awake would make the same assumption but on XX/XX/XXXX they sent me a letter stating under the fair billing credit billing act if I believe there's an error in my bill I have to respond within 60 days I contacted them as soon as the TV melted down because there was no way I could have guessed ahead of time that it would melt down on me. 

And why dont their Reps know this simple 60-day rule? Why did they string me along and act as if I had a legitimate complaint? Their Reps should say its been so many days so you cant place a billing dispute? 
And of all mismanaged things, why would they send me a check? 

I called to ask the above questions and the Reps read off a bunch of legal speak and said to me that even though the Reps know about the 60-day rule, they must take a complaint. And still, why do they send a check leading me to believe they found it in my favor?

This stinks so bad that Im sure they XXXX XXXX on their end and are using legal jargon against me, they should be punished for sending me a check. 

The TV manages to work. I told them this. I told them I do not want free stuff but who would feel secure that the TV wont meltdown again? Im just waiting for the 3rd meltdown to occur. You would feel the same way. 

I had to put the XXXX on another card because I don't have almost XXXX extra floating around, they are a huge bank and to them this glaring mismanagement is causing me financial hardship.

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