Consumer complaint received 2024-08-06 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: WA

Complaint narrative:
This is an EXTREMELY COMPLICATED situation, so I need your best people looking into this, people that will notice inconsistencies in the statements that the credit union has made and won't just accept their word when the evidence shows the opposite. The credit union involved here has lied repeatedly to both the state of Washington and the court systems, and literally no entity will protect me from this credit union 's malice ( because I closed my account with them in 2021 ) and Elavon 's egregious mistake, that was made because the credit union opened up my closed account and accepted a transaction that Elavon received XXXX mutually exclusive return codes on : an approval and a hard decline. 

I made the following payments to French Faire, a customer of Elavon on these dates : XXXX : paid {$2000.00} from XXXX XXXX XXXX XXXX XXXX : paid {$630.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$320.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$220.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$620.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$360.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$710.00} to XXXX XXXX through XXXX XXXX ( XXXX ) XXXX : paid {$520.00} to XXXX XXXX through XXXX XXXX ( Elavon ) The vendor never delivered {$2100.00} worth of furniture after a year of waiting for it to be delivered. I asked for the amount to be refunded on XX/XX/XXXX, and the vendor agreed and processed a refund of {$2100.00} - on a card that had been connected to an account I closed in XXXX XXXXThe transaction appeared to go through ( I have the approved return code on the receipt ), because the credit union opened up my account to accept the transaction. I went in to speak to the credit union about this and they assured me this was common practice and they mailed me a check to bring my account balance back to {$0.00}. A month later, on XX/XX/XXXX, the refund transaction was reversed, without the vendor 's knowledge. At first, I thought the vendor had reversed the refund to get money back, and so I contacted her about it and she showed me her bank account where she had not issued any kind of charge/reversal to reverse the refund transaction. I have her bank statement that shows the refund money was taken out of her account and the reversal never put money back into her account. When the refund reversal was processed, the closed account that had been put at a {$0.00} balance by issuing me a check for my refund, went to a negative balance of {$2100.00}. The money is sitting on Elavon 's books. Elavon refuses to speak to me about anything, claiming " customer privacy '', but the credit union is SUING me for the {$2100.00} saying that I owe them this money because the vendor reversed the transaction ( she didn't ). The vendor has since claimed bankruptcy and named me as a creditor because this whole thing had never been resolved, so I have no recourse against the vendor, and even if I did, why should she pay for Elavon 's mistake? The credit union wants me to pay for this egregious financial institutional-level mistake, despite no one being able to tell me where the money is. I believe there is fraud involved at this point, as the credit union took the vendor statement and twisted it to say something she didn't say, despite all the evidence to the contrary. The credit union refuses to work with Elavon to tell them that the refund transaction did indeed go through and get their money - instead, they've lied and said that the vendor has the money and I need to get it from her instead, despite the vendor 's account statement showing that she never got the money back. Where is this money? It has to be at Elavon. I should NOT be on the hook for paying for Elavon 's imstake, especially when no one can show me where the money is, and the credit union has specifically lied about it's whereabouts on formal documentation ( I can prove this ). I turned in the credit union to the XXXX XXXX XXXX XXXX XXXX XXXX, who told me that they suggested I work with the credit union against XXXXlavon because since the case was in litigation, they couldn't make a call on what the credit union did, but the credit union claimed that my evidence didn't prove that elavon had the money because the vendor 's statement said she was at a net XXXX balance ( a fabricated LIE ). Additionally, the credit union keeps submitting false statements to the state of Washington and the court system - information that I can prove is false and have many times, but they refuse to stop lying. I believe Elavon was confused by the XXXX return codes that the credit union denies sending, and that's why they reversed the refund transaction, but since they refuse to talk to me about anything, I can't show them evidence that the refund transaction DID in fact go through.

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 non-monetary relief