Consumer complaint received 2017-08-31
Company: U.S. BANCORP
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern, In May of this year ( on or about the XXXX ) we paid off the US Bank card in full. Shortly thereafter 3 charges to XXXX XXXX (? ) appeared on our account. For clarification, we do not know who or what XXXX XXXX is or maybe. I immediately contacted US Bank to file a fraud claim. US Bank wrongfully filed this as a charge dispute. I was quite certain that I stated that we did not ever purchase any items from XXXX XXXX at any time. That these charges where not correct. The representative assured me that the charges would be reversed and investigated. We canceled our credit card ( or so I thought ), and requested a replacement. 

On XXXX XXXX, I was checking our account and dismayed to learn the charges for XXXX XXXX had been reversed by US Bank. Again, I immediately contacted US Bank and spoke with a representative regarding these fraudulent charges. I was assured, that these charges had been mistakenly filed as disputes and he would correctly guide them to the XXXX department. Foolishly, I believed US Bank would handle this in a timely and professional manner. 

On Monday XX/XX/XXXX, I received three pieces of mail indicating that US Bank had reversed the charges on all three fraudulent claims and expected us to pay for items we did not purchase from a person or business we are not familiar with after reporting these charges initially as fraud to US Bank representatives. I also received a phone call from a US Bank representative ( XXXX ) claiming that he would guide these charges to the fraud department. Given the lack of competence demonstrated by US bank to this point, I am more than skeptical they will investigate these false debts and will still expect us to pay. We will not. Not now, not ever. I do not pay for other folks stealing our information and shopping at our expense. We followed appropriate protocol and US Bank, mishandled this from the start. 

One last item. The US Bank letters each state that their dispute investigation, describes how a sale works and how we presented our card etc. Neat trick, since we never visited XXXX XXXX did not leave XXXX to do so, nor purchase anything via the web from this individual/business (? ). For clarification, I will retain legal counsel if necessary. I would rather pay a shifty, sleazy lawyer than false charges on our account which were promptly identified and discussed with US bank at the initial time these charges where noticed on our paid in full credit card. There are two legal charges on that card as of the moment, onXXXX for {$70.00} ( XXXX ) and one for {$58.00} to the US Mint. These will be paid as we did make these purchases. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX. 
XXXX XXXX of card : XXXX XXXX. Two items : 1 ) I have filed this complaint with the Ohio XX/XX/XXXXOffice since I can not seem to file with the BBB. 
2 ) I am re-filing this complaint per an email from XXXX XXXX received XX/XX/XXXX ( Thread ID : XXXX ). 
3 ) As of today, I was notified by the AG 's office that this complaint was not in the purview. I was advised to contact The Consumer Financial Protection Bureau.

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