Consumer complaint received 2021-03-12
Company: U.S. BANCORP
State: TX
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:
In XXXX of 2020, I purchased a XXXX AntiOxidizer ( Enagic XXXX THE MIGHTY XXXX ANTIOXIDIZER ) system from XXXX XXXX, paying a total of {$5400.00}. The machine was purchased due to XXXX XXXX representation that the product would produce Hydrogen-rich water. I was also interested in obtaining water that would be sufficiently alkaline to emulsify oils. I was told to give the machine a few months in order to see results ; however, when I was able to test it, I used the XXXX Hydrogen Test Reagent ( these are the industry standard drops for testing the levels of hydrogen in the water ) to test the hydrogen levels in the water. Although the XXXX XXXX XXXX states that XXXX PPM is essential for optimal hydrogen absorption, the test of water produced by the XXXX machine revealed a Hydrogen level of only XXXX PPM. I also performed an alkalinity test which revealed only a XXXX. On or about early XXXX late XXXX of 2020, I contacted Enagic via online chat in an effort to resolve the matter. The representative with whom I chatted did not deny that the product did not produce the highly alkaline, hydrogen-rich water promised but merely said that XXXX would not take back the machine because its use provides other health benefits, refusing to take back the machine and associated supplies. Afterward, I contacted the credit card company and filed a dispute because the product I received was not that which was promised and was unable to resolve the matter with the seller despite good faith efforts to do so. Even with the current state of the pandemic, I acted in a timely manner at every step : in testing the water, in contacting XXXX to resolve the matter, and finally in filing a dispute with the credit card company. The credit card company simply wrote me back and stated that I missed the timeline for a dispute. I explained to them that this was not a matter concerning time but not receiving the goods promised by XXXX. The credit card company is still taking money out of my account and has no plan to protect their consumers from merchants conduct that falls under a violation of the Texas Deceptive Trade Practices Consumer Protection Act ( XXXX et seq. of the Texas XXXX and XXXX XXXX XXXX because you exercised false, misleading, or deceptive acts or practices in the conduct of trade or commerce by : XXXX. Representing those goods that have characteristics, uses, benefits, or quantities which they do not have ; XXXX. XXXX. Advertising goods with intent not to sell them as advertised ; and/or XXXX. XXXX. Failing to disclose information concerning goods that were known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.

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