Consumer complaint received 2015-06-15
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
Here is the correspondence sent on behalf of XXXX XXXX by attorney XXXX XXXX. Itadequately describes the situation. 
To Whom It May Concern : I have been retained by XXXX XXXX XXXX in regards to his Elan Visa Classic Card ending in XXXX ( " Elan Visa '' ). Please review XXXX XXXX credit history. Upon review you will find that XXXX XXXX opened up credit with Elan sometime in XX/XX/XXXX. XXXX XXXX has been faithfully making payments ever since and has a credit limit of approximately {$20000.00}. 
In XXXX of XXXX, XXXX XXXX was offered a position through XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), based out of New York. XXXX XXXX offered compensation for training and benefits. During XXXX XXXX negotiations with XXXX XXXX, XXXX XXXX offered XXXX XXXX an opportunity to work on a part - time project. The project involved XXXX for XXXX XXXX. XXXX would credit funds to XXXX XXXX Elan Visa, and then upon receipt, XXXX XXXX would purchase and ship the computers. XXXX XXXX would then receive compensation for the transaction from XXXX XXXX. 
XXXX XXXX had never done this sort of thing before, so he phoned XXXX XXXX. Phone calls to Elan Visa were made on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX inquired as to the risk of this type of transaction, if any. Enclosed you will find a copy of XXXX XXXX ' phone logs evidencing same. XXXX XXXX ' phone is under the name of XXXX XXXX, his ex-wife. A representative from Cardmember Services ( phone XXXX ) told XXXX XXXX that as long as the money showed on his on-line account statement, that there was no risk involved. 
Based on the reassurances of Cardmember Services, XXXX XXXX applied for the funds from XXXX using his Elan Visa. On XXXX XXXX, XXXX, XXXX XXXX checked his account and funds in the amount of {$5900.00} had been credited. XXXX XXXX purchased XXXX computers from XXXX XXXX for {$4900.00}. XXXX XXXX shipped the computers the same day to XXXX, XXXX. On XXXX XXXX, XXXX, XXXX XXXX issued another request for computers and XXXX XXXX credited {$10000.00} and then another {$2700.00} to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. That same day, after verifying the funds on - line, XXXX XXXX purchased XXXX computers at XXXX XXXX and shipped them again to XXXX, XXXX. XXXX XXXX also used the credited funds for USPS shipping. A breakdown of this information is listed in XXXX XXXX XXXX and XXXX, XXXX statements, which are enclosed in this correspondence. 
On XXXX XXXX, XXXX, XXXX XXXX received a call from a XXXX at XXXX 's fraud department. XXXX XXXX was told that the funds from XXXX XXXX were coming back and that he was probably involved in a scam. The enclosed XXXX statement documents these reversals as well as the returned payment fees amounting to {$75.00}. 
XXXX XXXX attempted to retrieve the goods through the XXXX. Postal Service and the post office in the XXXX. XXXX XXXX ' efforts were in vain - it was simply too late. 
XXXX XXXX has filed XXXX disputes with Elan. XXXX times the fraud department has denied receiving his correspondence. The dispute letters were sent to the address on the back of the monthly statements, the first address listed at the top of this correspondence. 
Your customer service representatives gave XXXX XXXX incorrect information over the phone. Relying on said information, XXXX XXXX moved forward with the above transactions. XXXX XXXX damages are a direct result of lan 's actions. As such, demand is hereby being made that XXXX write off all the purchases made by XXXX XXXX on XXXX XXXX and XXXX XXXX ( US Post Office and XXXX XXXX ). Further, XXXX XXXX demands a credit to his account of all interest paid as a result of these transactions and the return payment fees of {$75.00}. 
The customer representative from Elan gave XXXX XXXX incorrect information. Relying on same, he incurred a loss of over {$19000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation