Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
CONSUMER COMPLAINT NARRATIVE FOR CFPB Summary of the Problem My credit-card company mishandled my dispute regarding a {$1500.00} flat-fee payment made to an attorney who performed no legal work on my case. The attorney misrepresented information to the credit-card company, claiming he performed work, which was untrue. The credit-card company accepted his statement without verifying any facts, failed to follow proper investigation procedures, provided contradictory information, and ultimately closed my case unfairly. 
Background On XX/XX/year>, I paid attorney XXXX XXXX, the owner and shareholder of XXXX XXXX, a flat fee of {$1500.00} plus a {$75.00} credit-card processing fee. 
His associate, XXXX XXXX, was the attorney who was supposed to represent me. She nver performed any work, never communicated with me, and she is no longer with the firm. 
The agreement was strictly a flat fee. I did not agree to hourly billing, and I was never given any hourly rate in writing. 
Despite paying in full upfront, no legal work was performed on my case. 
No Notice of Appearance ( NOA ) was filed, no pleadings or motions were drafted, and none of my emails or questions were ever answered. 
I was forced to represent myself at a guardianship hearing because the attorney provided no service or support. 
After I requested a refund, the attorney attempted to switch the fee structure from flat fee to hourly after the fact, which was never agreed to. 
I explicitly rejected a partial refund in writing on XX/XX/XXXX, but the attorney processed one on XX/XX/XXXX without my consent. 
After I demanded a full refund, the attorney produced a retroactive hourly bill that did not exist before my request. 

XXXX ... 
After I demanded a full refund, the attorney produced a retroactive hourly bill that did not exist before my rquest. 
I believe the attorney took advantage of me as a woman alone, XXXX, and dealing with a sensitive guardianship case. 
Merchant Misrepresentation The attorney misrepresented the facts to my credit-card company by claiming that he performed legal services on my case. This was false. No work was done, no filings were made, and no preparation or communication occurred. 
Despite this, my credit-card company accepted his statement without verifying the truth or requesting evidence from me. 

Failures by the Credit-Card Company XXXX XXXX They ignored my written rejection of the partial refund. 
XXXX. They appeared intimidated by the fact the merchant was a law firm. 
XXXX. Multiple representatives gave contradictory statements. 
XXXX. Supervisors contradicted each other about the status of my dispute. 
XXXX. They refused to give escalation details or confirmation numbers. 
XXXX. They claimed they did not receive my documents, then later said they did. 
XXXX. They failed to conduct a proper investigation and relied solely on the attorney 's false statement. 
What I Request I request that the CFPB require my credit-card company to : XXXX. Reopen and properly reinvestigate my dispute. 
XXXX. Follow all Fair Credit Billing Act procedures. 
XXXX Review the documentation I submitted. 
XXXX. Consider the attorney 's misrepresentation. 
XXXX. Provide a lawful written explanation. 
XXXX. Issue a chargeback or adjustment for the unearned fee. 
XXXX. They claimed they did not receive my documents, then later said they did. 
XXXX. They failed to conduct a proper investigation and relied solely on the attorney 's false statement. 
What I Request I request that the CFPB require my credit-card company to : XXXX. Reopen and properly reinvestigate my dispute. 
XXXX. Follow all Fair Credit Billing Act procedures. 
XXXX Review the documentation I submitted. 
XXXX. Consider the attorney 's misrepresentation XXXX. Provide a lawful written explanation. 
XXXX. Issue a chargeback or adjustment for the unearned fee. 
XXXX. They failed to conduct a proper investigation and relied solely on the attorney 's false statement. 
What I Request I request that the CFPB require my credit-card company to : XXXX. Reopen and properly reinvestigate my dispute. 
XXXX. Follow all Fair Credit Billing Act procedures. 
XXXX Review the documentation I submitted. 
XXXX. Consider the attorney 's misrepresentation XXXX. Provide a lawful written explanation. 
XXXX. Issue a chargeback or adjustment for the unearned fee. 
Supporting Documents Available Flat-fee agreement Emails showing no legal work was performed My written rejection of the partial refund Proof of unauthorized partial refund Retroactive hourly bill Communications with the credit-card company Supervisor call notes NC State Bar fee-dispute narrative Conclusion My credit-card company mishandled my dispute, failed to apply federal consumer-protection laws, gave contradictory information, and relied on false statements by the attorney Instead of the evidence i provided. I respectfully request CFPB intervention to ensure that my case is reopened, properly investigated, and resolved in accordance with the Fair Credit Billing Act.

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