Consumer complaint received 2017-07-02
Company: U.S. BANCORP
State: GA
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 have a secure visa card with XXXX XXXX  XXXX, which was established in XX/XX/XXXX. I established a fraud case in regards to some unrecognizable transactions. I was told a credit for the unknown charges would be applied to my card and a new card would be shipped on XX/XX/XXXX and I should receive it by XX/XX/XXXX no later than XX/XX/XXXX. On XX/XX/XXXX I received a call from a XXXX representative seeking payment, in which I declined to make payment at the time. Saturday XX/XX/XXXX I was told the card was cancelled ( without explanation ) and it had to be re-order but would not arrive until XX/XX/XXXX. XX/XX/XXXX I tried logging into " XXXX '' to view the activity of my account but was unable to gain access. Normally when attempting to logon to the system, I have to call technical assistance for them to unlock the account and complete a account info change of user information ( user-name/password ) to gain access to my account. Which contributes to my minimal login activity. I am never able to login with user-name and password. I must call to have my account unlocked each time. Well, today I was told because the card has a report of fraud I 'm unable to gain access to my account information. The company 's spokesperson alleged this was their process because due a breach. <P/>In the last five years the services has become terrible and the accounting methods are visibly inaccurate. XX/XX/XXXX statement had a balance of {$2800.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$310.00} plus the representative offered credit for two late fees, to bring the balance under the credit limit. The payment appeared as a credit but was added along with other fees back onto the account resulting in the same balance as previously mention. I make large payment to retain the usability of my card, and when making double payment within a billing cycle the payments are not accredited towards my account in real-time. XXXX  XXXX XXXX accounting practice does not keep real-time information on credit purchases, payments and overall balance via online, and printable transaction statements vaguely display purchase items and balances in a detailed process. XXXX XXXX  XXXX does not offer timely, accurate, effective, and efficient statement in a timely process. With the payments, transactions, reversal charges and credits offered applied to my account the overall balance is inaccurate on transaction detail and statement. <P/>I sent XXXX a {$500.00} cashier check as a deposit to increase my credit limit. The check clearly stated " deposit only ''. XXXX took the check, applied it as they chose but not the account, refused to send my funds back to me, claiming it was applied to my account, but I still unable to see the accounting benefits of their decision. I was locked out of the account and unable to view the transaction. <P/>This account was suppose to help establish credit but XXXX has trapped me into this high interest secure card with no desire to extend credit to me. XXXX XXXX  XXXX has breached our contract, I 'm asking for an investigation into the availability of myaccount access ( detail information on number of request made to unlock the account and availability of their web site ), the transaction history, balancing statements and the credit practices and policies of my account with XXXX  XXXX XXXX company. I 'm asking for immediate card replacement, the availability of the funds disputed in the fraud claim and the return of the {$3000.00} I sent as a deposit.

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