Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XXXX, I placed a custom order for a pair of XXXX sneakers from a company called XXXX online. The order # was XXXX. I was so excited because I had never seen a more perfect pair of sneakers that matched my favorite color which is blue violet. It just seemed so unbelievable that I had found EXACTLY what I was looking for until I pressed the seller to confirm that they would deliver the shoes exactly in the rich blue violet color that was shown on their website and they did. I have the emails between myself and the seller to prove that they in fact understood how important it was to me that they deliver exactly what they promised because I typically don't pay {$150.00} for a pair of shoes but in this case I gladly paid it after I was assured by the company that they would deliver. Unfortunately, when I received the order I was totally disappointed. The fit felt like I was wearing 2 left shoes and the color was completely wrong! I immediately contacted the seller about the problem and even offered them another chance to produce what I wanted and they never committed to doing so. The only option they offered was that they would offer me an 80 % refund if I would keep the shoe. That sounded reasonable but the only thing is that I HATED the color of the shoe that they sent and they literally felt like I was wearing 2 left shoes! Upon close examination, the XXXX 's did not look authentic as there were areas where there should have been white leather but instead it looked like it was painted over unevenly. I was totally distraught because my birthday was XX/XX/XXXX which I told the seller and my event was ruined because I had the perfect outfit to wear my blue violet XXXX 's but it never worked out for me to wear what I ordered. The shoe that I was sent came from a XXXX XXXX address and not the company in the United States which XXXX claims to be. This custom order was a sham and I told the seller that I would like to return the shoe for a full refund but they would not consider the full refund so I filed a dispute with my bank. I bank with US Bank and when I filed the dispute, I was given provisional credit. It was then retracted because they said they filed it as fraud and it should have been filed as a dispute and they refiled it the correct way. Well, apparently the representatives got confused about what was going on with the dispute as I had spoken with management and one in particular named XXXX stated that she put detailed notes for the processor to read so that I could get my money back. The bank went back and forth with provisional credit for 3 months!!! They created such a mess of notes for future employees to understand when I called in to check the status until their final decision was to DENY MY DISPUTE!!!! I could not believe it with all the proof that I have AND with the upper management notes. All that I wanted was what I ordered and if I couldn't get it I wanted my money back and to this day that is all that I want but have been disappointed at how sloppy this bank turned a perfectly understandable dispute. I was promised by managers in disputes with names XXXX, XXXX and XXXX that I would get this resolved and to this day ( 3 MONTHS LATER ) I still have the ugly shoes that have never been worn so I was forced to contact you for your help. If you need more info other than what is already here in this dispute, please let me know. I just wanted to send you what would clearly outline my complaint so that you wouldn't get lost in the back and forth as U.S. Bank did.

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