Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I was a victim of an elaborate business fraud and my card was charged for XXXX charges of {$12000.00} in XXXX of XXXX by the alleged " business coach '' who was going to provide me with business coaching, as well as helping me to obtain business credit. However, what I didn't know what that the charges and " coaching '' offered was offered by a criminal going by the name of XXXX XXXX, XXXX with XXXX XXXX. It is now widely documented that there are XXXX of victims and the means of the scam, plus XXXX 's criminal background was published in an article in the " XXXX XXXX ''. 

Since it took some for me to know that I was a vicim, I filed a dispute with XXXX in XXXX of XXXX .They opened a dispute and asked repeatedily for all documentation, which was all sent to them. They first settled in my favor on XX/XX/XXXX and cleared my account of the charges, but then the entity that charged my XXXX XXXX XXXX XXXX XXXX TN, challenged this and won, on account that " they did provide me services '' in the form of obtaining business credit for me. This is not true and I can prove it. I had to pay another entity called XXXX XXXX XXXX to do this, so I can show receipts and prove XXXX XXXX XXXX Management and Dream with XXXX did not provide me services. I seek to re-open this dispute immediately. 

More information about the dispute : In addition to the above information and proof that I have that they didn't provide me services, there is also this information. 

XXXX XXXX XXXX is who associated with the criminal network of XXXX XXXX because the owner ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) charged my card. She was also the one who challenged my dispute against this charge. However, upon looking back at the sales process of when the criminal XXXX XXXX was trying to lure me into his " coaching '' program, I was asking for references for other clients, and XXXX 's sales associate sent me XXXX XXXX 's phone number, who was supposed to be a " client '' of XXXX. I called her before agreeing to become a client of XXXX and she provided me a review of his " services '' as a " client '', which was obviously a lie since she was working with him. I can show proof of these emails. This is just further proof that this is a criminal network and that I was scammed, that they promised certain services that they didn't provide by charging my card for the XXXX. 

I should not be left with this charge and XXXX should support me in re-opening this dispute. 

Another complaint against XXXX is that when the XXXX was added back onto my account, I didn't receive a call or any electronic communications about this. My online account was also blocked and the card was closed so I wasn't able to see that interest had been accruing, as there was no way for me to check my online account. I want all interest that has accrued to be removed, and a dispute to be re-opened with this new information. 

In my previously submitted information, I had included details about a bogus investment opportunity that XXXX had presented me and charged me for, but all of those charges for the " commodities '' investments were on other credit cards from other banks, not this XXXX charge. This charge was just for the coaching program, of which they should have provided me services, and did not. XXXX denied my dispute on the bases that it was an investment and " investments are not guaranteed '', however, that was a misunderstanding because the charges on this card were not for investments and were in fact for the coaching program. I can supply these XXXX additional new pieces of information and documentation that this entity and XXXX did not provide me services.

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