Consumer complaint received 2023-04-17
Company: U.S. BANCORP
State: FL
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 tried resolving this for MONTHS and keep ketting the same FALSE response from US Bank. I provided them with everything they requested. According to the terms and conditions on my credit card I am entitled to be protected against fraudulent charges. Below is the details of my issue. They keep responded FALSELY that I didn't return the correct item or I didn't provide them with correct info. They alternate between these 2 FALSE statements. I returned the correct item with the return label that was provided to me by the merchant and I provided proof that they received it. If it were true that I sent the incorrect item where is the tracking showing that they returned that false item to me? THEY NEVER DID because I returned the correct item and an XXXX employee probably stole it!!! 
XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The XXXX # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the ups driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. Below are the tracking details of the return Tracking details XX/XX/XXXX XXXX  picked up the return from my home XX/XX/XXXX XXXX XXXX.Delivered XXXX, KY, XXXX Attachments Image XXXX at XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX XXXX ( XXXX KB ) Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Attachments may take a few minutes to be available. Please see attached response. 

Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS The response was completely false. XXXX did not state in their response that I returned the incorrect item and I did send in all of the p

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