Consumer complaint received 2026-02-04 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:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau to escalate a billing dispute with USBank, concerning an overcharge of {$50.00} by XXXX XXXX  that I have attempted in good faith to resolve directly. USBank has failed to conduct a proper investigation and has not corrected the contested amount despite my repeated efforts. 

Details of the dispute : Cardholder Name : XXXX XXXX Account Number : ending in XXXX Transaction Date : XX/XX/year> Merchant : XXXX XXXX  Charged Amount : {$250.00} ( including the {$50.00} overcharge ) Disputed Amount : {$50.00} Reason for Dispute : I reserved the XXXX XXXX of the restaurant for a birthday dinner which accommodated up to XXXX people. The room reservation was a total of {$200.00} ; however, my card was charged {$250.00}. I left several voicemails for the restaurant and was never contacted back about being overcharged {$50.00} at which time I initiated a dispute with US Bank. I provided documentation to USBank ( a screenshot from the merchants website showing the charge to reserve the XXXX XXXX is {$200.00} ) showing the correct amount. Despite this, USBank has not completed a reasonable investigation or issued a credit. 

Attempts to resolve : Upon receiving my statement, I reported the error to USBank. I have followed up on a weekly to biweekly basis via phone to no avail. USBank confirmed receipt of my documentation but has taken no substantive action. Their responses have lacked clarity, and no timeline for resolution was offered. I have been continuously informed that a case processor will be contacting me, and no one has contacted me regarding this dispute. 

Desired outcome : Immediate removal or reversal of the {$50.00} unauthorized charge, with a corresponding credit to my account. 
A written confirmation that the investigation has been completed and the charge corrected. 
XXXX that no fees or interest have been assessed in connection with this dispute. 
Despite the requirements under the Fair Credit Billing Act ( FCBA ), USBank has not resolved this credit card billing error within the required timeframe ( acknowledge within XXXX  days and resolve within XXXX billing cycles ). 
The only receipt at the time of the reservation was confirmation via XXXX ( an app used by the restaurant ). Due to the time that this dispute has gone unresolved, I am unable to access that information. I have attached a copy of the restaurants information page showing the nonrefundable charge of {$200.00} for the XXXX XXXX. 
Please accept this complaint and forward it to USBank on my behalf. I ask the CFPB to review USBank 's handling of my dispute, ensure compliance with the FCBA, and require remedial action to resolve this matter promptly. 
Thank you for your attention to this serious credit reporting and billing issue. If you need additional information, I am available at XXXX or XXXX. 

Sincerely, XXXX XXXX

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