Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
XX/XX/year> : I flew to XXXXXXXX XXXX from my fathers funeral. I took an XXXX from XXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The correct charge for that trip was {$22.00}. 
Later, I noticed an additional XXXX charge of {$57.00} and a foreign transaction fee of {$1.00}, which I did not make. 
XX/XX/year> ( XXXXXXXX XXXX  ) : I called Elan XXXX XXXX  to dispute these unauthorized charges. The representative asked whether I had traveled out of the country ( I had not ) and stated he could not open a dispute until I contacted another credit card company. This made no sense, as the {$57.00} and {$1.00} charges appeared only on my Elan card. 
XX/XX/year> : I faxed a completed dispute form to Elan explaining the correct XXXX charge was {$22.00}. 
I also attached : o The XXXX receipt for {$22.00} o XXXX written confirmation ( at XXXX XXXX  and again at XXXX XXXX  ) stating that no record of a {$57.00} charge exists in their system XX/XX/year> ( XXXX XXXX  ) I spoke with XXXX, who said it takes XXXX hours to put fax in system. Call back to see if they received my fax. 
XX/XX/year> ( XXXX XXXX  ) : I spoke with XXXX, who requested the matter be transferred from Dispute to Fraud and expedited a new card. This caused inconvenience during the XX/XX/XXXX holiday. 
XX/XX/year> ( XXXX XXXX  ) : I spoke with XXXX XXXX, who stated the original representative made an error by filing it as a dispute instead of fraud. She reclassified the case as fraud, marked it as agent error, and gave me confirmation # XXXX. 
XX/XX/year> ( XXXX XXXX  ) : I called to follow up. XXXX stated she did not have the fraud departments number and would leave a note for them to call me back. 
XX/XX/year> ( XXXX XXXX  ) : I spoke with Supervisor XXXX XXXX, who said I would receive a {$50.00} appreciation credit for the inconvenience. However, as of today, that credit has not appeared on my account. I explained I was still disputing the charges. 
XX/XX/year> ( XXXX XXXX  ) : XXXX XXXX confirmed the case had officially transferred from dispute to fraud on XX/XX/XXXX. She stated she was escalating it to a manager, noting that the issue should have been resolved back in XXXX once I provided XXXX confirmation that no {$57.00} charge existed. 
XX/XX/year> ( XXXX XXXX  ) : I spoke with XXXX, XXXX, and XXXX XXXX, who said the case processor had just reopened the case that day. 
XX/XX/year> : I received a letter from Elan stating that under the XXXX Credit Billing Act, my report was received after 60 days and they were unable to assist further. 
________________________________________ Summary of Unresolved Issues 1. Unauthorized XXXX charge of {$57.00} and foreign transaction fee of {$1.00} remain on my account. 
XXXX. {$50.00} appreciation credit promised on XX/XX/year> has not been applied.

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 monetary relief