Consumer complaint received 2020-05-19
Company: U.S. BANCORP
State: VA
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:
Dear U.S Bank Executive Officer : Please allow me to present my experience with your U.S Bank banking institution when I called your phone bank weeks ago. In that call one of your bankers kindly submitted on my behalf three detailed disputes of 3 transactions. two of those transactions were charged to my debit card ending in XXXX on XX/XX/2020 and they are the subject of this complaint which resulted after The Bank did is believed to not treating my disputes with due diligence, disregarded the supplemental or additional information that I sent via email to the bank and/or discriminated against my person in processing the disputes ... ... ... ... 
... ... ... ... ... ... .. ... ... ... ... ... 
1-The two disputed transaction were charged by the same merchant ( name on the disputes records ) for the amounts of {$65.00} ( U.S Bank claim number XXXX ) and {$63.00} ( U.S Bank claim number XXXX ) .. ... ... ... ... ... ... .. 
... ... ... ... ... The two charges were for two orders of the same product and quantity.the difference in paid price were due to taxes, since one order went to virginia and the other to Arizona household. ... ... ... ... ... ... ....

Each of those disputed amounts was the payment for 6 bottles of XXXX foam hands sanitizer. The merchant advertised the product with this description : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Clear, Unscented, 1.2 L Cassette for Electronic Dispenser, 6 / Case ... ... ... ... ... ... 

We called merchant and let them know that in the two orders We received two bottles only not the 6 we paid for in each order. They were missing 4 bottles in each of the two orders. Total of 8 bottles were missing and we requested that the merchant ship them. ... ... ... .the merchant and I agreed to the resolution suggested by the merchant. The merchant promised to refund the two amounts back to original methods of payments if the two orders. The same method which was my U. S Bank debit card ending in XXXX expected credits of the full two amounts within a specific time limit ... ... ... ... .... ... ... 
... ... ... ... ... ... ... ... ... ... .... 
... ... ... ... ... 3-the Merchant failed to refund those amounts ... .. ... ...

So I submitted the above two referenced disputes timely and i fulfilled my obligation timely despite the received letter from U.S bank came very late. It was Saturday. In that letter, The U.S Bank claim department requested from me to send claims related information and required that my response with information must be received too soon on Monday that comes right two days after that Saturday ... ... .. .... ... ..

... ... ... .... is it fair From U.S Bank to require additional information information that was already submitted and requiring that it should to be delivered to this bank in less than 3 days? Knowing two of those 3 days were Saturday and Sunday? ... ... ... ...

I believe that was unfair and discriminatory service from some bankers in your U.S Bank claim department ... ....

In that weekend, I found out U.S bank email contact information in the online website as shown in one of the attached factual files of this complaint.

Dear U.S Bank Executive Officer : Please allow me to present my experience with your U.S Bank banking institution when I called your phone bank weeks ago. In that call one of your bankers kindly submitted on my behalf three detailed disputes of 3 transactions. two of those transactions were charged to my debit card ending in XXXX on XX/XX/2020 and they are the subject of this complaint which resulted after The Bank did is believed to not treating my disputes with due diligence, disregarded the supplemental or additional information that I sent via email to the bank and/or discriminated against my person in processing the disputes ... ... ... ... 
... ... ... ... ... ... .. ... ... ... ... ... 
1-The two disputed transaction were charged by the same merchant ( name on the disputes records ) for the amounts of {$65.00} ( U.S Bank claim number XXXX ) and {$63.00} ( U.S Bank claim number XXXX ) .. ... ... ... ... ... ... .. 
... ... ... ... ... The two charges were for the same product and quantity and the difference in paid price were due to taxes since one order went to virginia and the other to Arizona. ... ... ... ... ... ... ....

Each of those amount was for 6 bottles of XXXX foam hands sanitizer. The merchant advertised the product with this description : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Clear, Unscented, 1.2 L Cassette for Electronic Dispenser, 6 / Case ... ... ... ... ... ...

We called merchant and let them know that in the two orders We received two bottles only not the 6 we paid for in each order. They were missing 4 bottles in each of the two orders. Total of 8 bottles were missing and we requested that the merchant ship them. ... ... ... .the merchant and I agreed to the resolution suggested by the merchant. The merchant promised to refund the two amounts back to original methods of payments if the two orders. The same method which was my U. S Bank debit card ending in XXXX expected credits of the full two amounts within a specific time limit ... ... ... ... 

... ... XXXX.2-The merchant promised to refund the two amounts back to original method of payment which was my U. S Bank debit card ending in XXXX within a specific time limits ... ... ... ... .... ... ... 
... ... ... ... ... ... ... ... ... ... .... 
... ... ... ... ... ... ... 
... ... ... ... ... ... ... ... ... ... .... 
... ... ... ... ... 3-the Merchant failed to refund those amounts ... .. ... ...

So I submitted the above two referenced disputes timely and i fulfilled my obligation timely despite the received letter from U.S bank came very late. It was Saturday. In that letter, The U.S Bank claim department requested from me to send claims related information and required that my response with claims supporting information must be received by them too soon on Monday that comes right two days after that Saturday ... ... .. .... ... ..

... ... ... .... is it fair From U.S Bank to require additional information information that was already submitted and requiring that it should to be delivered to this bank in less than 3 days? Knowing two of those 3 days were Saturday and Sunday? ... ... ... ...

I believe that was unfair and discriminatory service from some bankers in your U.S Bank claim department ... ....

... ... ...

4-In that weekend, I found a U.S Bank email contact information in the banks online website as shown in one of the attached factual files of this complaint.

5-I submitted and via email the two claims supporting additional information. I submitted a copy of the merchant written conversation with me promising the refund of the two disputed amounts to original methods of payments of the two disputed amounts or transactions. I attached invoice showing the amounts paid and for how much quantity of the bottles.

6-strangely U.S Bank forced debited the two disputed amounts again against my funds after weeks the bank credited them back to my U.S Bank checking account linked to debit card ending in XXXX. 

7- U.S Bank claimed that no additional information supporting my claim was sent to them. One of The attached claims-factual files proved that U.S Bank received the additional information supporting my claims and timely via email the option that was available and met the U.S Bank unfair deadline..

... ... ....,,,,, 8- what else those do they wanted from me? Those involved in handling the two claims within U.S Bank should now correct their mistake in a way that additionally to the refund, it shall remedy fully the damages caused against me from their handling of the claims. 

9- U.S Bank by taking away from my funds the total of the two amounts, it caused damages against me in these tough times of Covid-19 pandemic. For instances but not limited to : U.S bank depleted my checking account, caused my very important purchases made before XXXX XXXX to be declined ... ..etc 10- Dear U.S Bank  Executive Officer , it us unfortunate that your bankers forced me to bring the issues complained about herein. I Called your phone bank and they wanted to create new disputes without other option. The creation of new disputes would be a terrible things to force me to do. Why? Because the 60 days deadline showing in statements as requirement to dispute any transaction would be passed and automatically the results would be negative and would deepen the differences and cause me more harms. 


Without waiving my rights, PleaSe do the right thing to resolve the matters.until then more declines, more damages would be suffered by me from you. there are few more purchases made before XXXX XXXX from the same merchant who will attempt getting paid from my U.S Bank account when the order/s of purchase ready to ship to me. 

I either took or will take other legitimate actions to protect my rights following role of law. Also, please note that other files of facts supporting my claims are privileged and might be used by my person if necessary in any event. 

All stated herein is made to the best of my current states belief, knowledge and understanding and it is all subject to any Correction or change of any kind at any time and only by my person and/or my counsel if any and without waiving my rights. 

Thank you for your time and i would appreciate your consideration of all the circumstances in resolving the issues which shall be in my favor and any resolution must get my acceptance to avoid extending the issues or matters or escalating the complaint more than this level. 



To contact me Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

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 non-monetary relief