Consumer complaint received 2018-01-02
Company: U.S. BANCORP
State: CA
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:
Starts with our XXXX wedding anniversary dinner XXXX for {$280.00} for dinner for 4 people. To my surprise, my credit card ( " cc '' ) bill showed two lines for {$280.00} each, so total of {$560.00}. I called my cc company, XXXX XXXX, and they kindly reversed the duplicate, but XXXX disputed, so XXXX then later re-charged my card. XXXX insists they charged me once. XXXX XXXX said they ca n't do anything now because I passed the 60 day dispute reporting deadline to report an issue, however, the duplicate charge was on XX/XX/XXXX, and I reported it on XX/XX/XXXX, which is less then 60 days. 

Background support : XXXX insists they correctly charged me for only one ( email trail with XXXX customer support ), and my XXXX account online shows I purchased one, and XXXX sent me a confirming email for just the one. So, why did they dispute it? They could n't explain it. XXXX told me to talk to my cc - that my cc company is at fault. But, my cc bill clearly was charged twice. The CC said, XXXX disputed the initial reversal, so XXXX must resolve. After several go-arounds and getting nowhere, a different cc agent told me to send all support, including a copy of the email trail, and copy of my XXXX account showing XXXX customer service agreed, that I only bought one, and that I should have only been charged once - he said it 's an iron-clad case, the cc company will return the {$280.00}. So, I prepared all the copies, wrote a letter explaining the situation, then the original CC agent, XXXX, sent me a letter and said some kind of deadline had passed, so he 's closed the case. I am about to pull my hair out. I called the cc agent twice, and asked him to call me, to discuss, and cc agent will not call me back. I have now engaged with XXXX XXXX group that is helping me to resolve the issue. 

Timeline Summary : 1 ) XX/XX/XXXX Ordered XXXX {$280.00} dinner for 4 people. 

2 ) XX/XX/XXXX CC Statement shows two lines for $ XXXX/each ( total {$560.00} ) 3 ) XX/XX/XXXX XXXX called CC company they said they would reverse the duplicate charge {$280.00} 4 ) XX/XX/XXXX CC letter, dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX Rep, states XXXX disputed and provided two orders one at XXXX and 2nd order at XXXX PST, so they will charge my card again for the {$280.00} duplicate. 

5 ) XX/XX/XXXX calls and email trail with XXXX to resolve the issue, XXXX customer service, XXXX XXXX, insists I was charged once, and that it is a bank issue. 

6 ) XX/XX/XXXX I try to call XXXX, and I leave a message. 

7 ) XX/XX/XXXX I try to call XXXX again, and I talk to another rep, and he said this is a no-brainer, just provide copies of all the support and send it all in with a cover letter to XXXX. 

8 ) XX/XX/XXXX I send a letter to XXXX at the CC company with copies of everything. 

9 ) XX/XX/XXXX Letter dated XX/XX/XXXX from XXXX, XXXX XX/XX/XXXX rep, that states, the information you are now supplying is beyond the timeframe to assist you, and they will re-charge my card. 

10 ) XX/XX/XXXX Call to cc company, XXXX, and leave another message. 

11 ) XX/XX/XXXX Call to XXXX and leave another message 12 ) XX/XX/XXXX Write letter to XXXX 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 explanation