Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

XXXX Complaint filed with Federal Trade Commission Thursday, XX/XX/2021 XXXX The dispute is with XXXX in the amount of {$320.00}. The alleged transaction date is XX/XX/2021. Contract # XXXX. A reservation for equipment rental was made for XX/XX/2021 at the XXXX, CA, XXXX address. XXXX the customer service agent called me on XX/XX/2021 and said we could pick up the vehicle on that date. The reservation was for Sunday, XXXX XX/XX/2021. At the time of renting the XXXX truck, a driver was designated, XXXX XXXX XXXX, who was flagged as having an outstanding issue with XXXX. I was not aware of this at the time of rental. XXXX provided me a toll-free number to call and determine why the reservation was frozen. They indicated a driver I hired had an outstanding debt with XXXX. I said to strike his name from the driving record and that he would not under any circumstances drive the vehicle. I was told I would still be unable to proceed with the rental even if his name was stricken from the driving record and prohibited from driving the vehicle. I went home and cancelled the XXXX Reservation online at XXXX PM on XX/XX/2021. I have copies of all correspondence with XXXX and the cancellation confirmation. My partner, XXXX XXXX, stepped in and rented the truck as I was prevented from continuing the rental contract. XXXX XXXX 's contract with XXXX is XXXX. A charge in the amount of {$320.00} appeared on my XXXX credit card statement on XX/XX/2021. I called my bank, US Bank, on XX/XX/2021, and reported fraud since no product or service was provided ; XXXX prevented me from continuing the rental process through no fault of my own ; and emailed XXXX on XX/XX/2021 at XXXX PM requesting reservation cancellation. Moreover, the XXXX statement indicates the reference is for RENTAL # XXXX. That is NOT my contract number. I have not contacted an attorney. No court action is pending. No judgement in a court of law have been made. I am asking the Office of the Attorney General of the state of California to intervene on my behalf and demand XXXX provide a thorough accounting of its actions. I have no past or previous debts with XXXX. My account with US Bank Visa is in good standing. I did not receive a product or service. I was not given a receipt for any product or service. 

Please help. This amounts to consumer fraud since no service, product, or benefit of the bargain was received. I was never issued a receipt or invoice. The XXXX location in XXXX, CA simply processed an unauthorized charge of {$320.00} against my US Bank Visa without basis or foundation. 

LETTER OF DEMAND TO XXXX XXXX IN XXXX, CA. 
SENT XX/XX/2021 : XX/XX/2021 DEMAND LETTER XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Contract # XXXX Dear XXXX, I demand that XXXX  return monies charged against my US Bank Visa account on XXXX XX/XX/2021 in the amount of {$320.00}. No receipt was provided to me. 
No services or products were purchased. No receipt was provided to me. At the time I was renting the vehicle at the counter in XXXX, an eA-lert was generated and the rental process could not go forward. I called the toll-free number you provided ( XXXX ) and the agent indicated a driver we had designated to drive the long-distance trip had an unpaid debt with XXXX. I asked the agent to strike his name from the driving record and stated he would not drive XXXX 's truck at any time. 

The agent indicated that I would not be able to proceed with the truck rental until XXXX XXXX XXXX resolved his issue with XXXX. XXXX was penalizing me for another individual 's debt over which I had no control and through no fault of my own. 

Since XXXX effectiviely barred me from proceeding, my partner, XXXX XXXX XXXX, booked the moving truck in his name, using his driver 's license and billing information. His contract number is XXXX. HIs invoice was {$1000.00} upon check-in at XXXX, CA, on XX/XX/2021. 

Since the retention of {$320.00} represents consumer fraud and theft, the matter has been referred to the XXXX County District Attorney 's Office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

Other regulatory filings of fraud with federal and state enforcement agencies are in process. Consumer fraud is a serious matter with punitive sanctions imposed in addition to the demand for return of monies owed. 

XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, CA XXXX Tel. XXXX XXXX XXXX