Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
Subject : Complaint Regarding US Bank Chargeback Denial Account XXXX Case ID # : XXXX : XXXX : XXXX : XXXX : XXXX : XXXX : XXXX To the Consumer Financial Protection Bureau : I am writing to file a formal complaint against US Bank regarding the denial of several chargeback request for transactions with XXXX party platforms. I believe US Bank 's decision is unjust and fails to consider the full context of my disputes, which involves consumer rights violations, discrimination, and retaliation by the merchant, XXXX XXXX. 
Details of the Transaction and Dispute : Merchant : XXXX Party Platforms Transaction Amount : {$130.00} : {$530.00} : {$570.00} : {$700.00} : {$760.00} : {$690.00} : {$79.00} Transaction Date : XXXX : XXXX : XXXX : XXXX : XXXX : XXXX : XXXX Date of Chargeback Denial : Starts on XX/XX/year> I booked reservations through XXXX party platforms from XXXX thru XXXX for a stay at XXXX XXXX XXXX XXXX, WA. The reservations state " no cancellations '' which I understood and accepted at the time of booking. However, my dispute is not based on a simple cancellation but on the fact that I was forced to leave the hotel on XXXX due to unsafe and hostile conditions that violated my consumer rights. 
I had reported a serious incident to the hotel front desk on XXXX that occurred due to their negligence. Instead of addressing the issue, the hotel retaliated against me and created a discriminatory environment. Their actions made it impossible for me to stay. I immediately contacted XXXX XXXX 's corporate franchise, Choice Hotels, to report the issue and was told that XXXX XXXX XXXX XXXX would reach out to the platforms for a full refund. All parties have failed to provide an adequate resolution except I was being refunded and still have not been. 
I then filed several chargebacks with US Bank, providing a detailed explanation of the circumstances, including the unsafe conditions, discrimination, and retaliation services I didnt sign up for. US Bank denied my chargebacks, citing the " no cancellations '' policy of the reservation. 
Reason for Complaint against US Bank : The bank 's denial is a misinterpretation of the chargeback purpose. This is not a dispute over a change of plans or a simple cancellation. It is a dispute for " services not rendered as agreed '' or " merchant 's breach of contract. '' A " no cancellations '' policy can not be used to justify a hotel 's failure to provide a safe and non-discriminatory environment, which is a fundamental expectation of any lodging service. 
The denial by US Bank shows a failure to conduct a reasonable investigation into the core of my complaint. 
I urge the CFPB to review my case and compel US Bank to re-evaluate its decision based on the specific circumstances of this dispute. The bank 's reliance on a rigid " no cancellations '' policy in the face of a merchant 's clear breach of their duty to provide a safe service is a disservice to consumers.

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