Consumer complaint received 2022-04-05
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:
USBank violated my appeal rights by not sending me my appeal rights after I did 5 disputes. Despite I asked one of the card member services managers to send me my appeal rights to challenge their outcome with XXXX, they didnt send me anything. Their letter has nothing about appeal rights. On late XXXX I called usbank to discuss a dispute with XXXX XXXX. I told them that by the way I had other disputes that I need to bring up. The credit card rep indicated to not worry because I had a year to bring up the dispute with usbank. She told me this on a recorded line. I believe it was XX/XX/XXXX or XXXX. Here is the problem I have : The bank is saying now that XXXX only allows 60 days to bring disputes. Usbank told me several times a year and then 120 days in follow up calls. They said the time is going to depend on the nature of the dispute. Here is the reason why I was not able to bring the disputes in 60 days : I had a contract with XXXX XXXX firm stating that I could not bring any fee dispute but through an ADR process or arbitration with the XXXX  XXXX XXXX. Since XXXX started charging me for things she didnt perform like not subpoena people, but charged me for them anyway or illegal recordings she didnt use but charged for, I needed to bring her charges up. She also started changing my fees at one point which is illegal. The XXXX XXXX XXXX give her months to respond. They also toke a long time before they bring up my desire to follow the contract and to have the fee mediation. They claimed that because of covid things were backlogged. I also was affected by XXXX and I was taking care of family member 's who unfortunately were also affected by XXXX. Usbank didn't care and they did not consider that XXXX XXXX violated her own contract. After I spend months to have the fee resolution process with her and the bar, she stated she didnt wanted to participate violating her own contract. I was forced to give her all of this time that I wasted because of our contract preventing me from speaking directly with the bank first. Again, I want to complain that usbank had never give me appeal rights violating my rights to get visa to look into the circumstances and clearly usbank not only violated my rights to have an appeal, but they also lied time on a recorded line about the time frames I had. The last thing that they did was to send me an insulting letter dated XX/XX/22 stating that if i didnt paid the dispute amounts which were reversed on the credit card that they were going to report me with the 3 credit agencies when I have never been late in any card payments and I had never stated that I was not going to fulfill my obligations or pay. I been a client of usbank for 12 years and I never once been late in a payment. I have excellent credit. Their letter content was simply treating and uncalled for.

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