Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I booked with XXXX XXXX XXXX XXXX through the XXXX website on Saturday XX/XX/XXXX, the appointment was scheduled in XX/XX/XXXX. I paid a {$98.00} deposit on my XXXX card to reserve my XXXX appointment. I wanted to make some changes to my appointment to remove the XXXX  treatment because I recently discovered I was severely allergic to XXXX and it would be deadly if I were to use that treatment on my head. So I reached out to the XXXX XXXX XXXX XXXX multiple times and tried to remove the XXXX from my appointment, but the salon owner was unresponsive and did not remove the XXXX  treatment from my appointment despite my request and attempting to reach them several times. So I cancelled my appointment XXXX weeks before I was scheduled to get my hair done ( the salon policy allows cancellations XXXX hours before ), due to the salon owner not removing the XXXX treatment from my appointment and not responding to any of my messages in XXXX and XXXX. I do not feel I like I was given proper duty of care for my health concerns, I was neglected by the salon owner and my life and would have been in danger had I gone to that appointment, so I cancelled my XXXX hair appointment XXXX weeks before the appointment date. The owner of XXXX XXXX XXXX XXXX  has my {$98.00} deposit and is refusing to return it, although she ignored my messages for changes to my appointment that I made for my health and safety concerns. These salon deposit scams are very common. And this salon has a history of scamming clients with deposits and is very unethical. 
I spoke with my bank XXXX XXXX XXXX ( XXXX XXXX XXXX ), regarding the fraudulent {$98.00} charge on my Visa card. I sent in documents but accidentally left out key details above that would have approved my dispute, so my claim was not approved. And to add insult to injury, the merchant lied and said I received a service, I never received a service because I cancelled the appointment for my safety and health concerns above that they did not respond to. As I saw the temporary {$98.00} credit removed from my account on XX/XX/XXXX, I quickly appealed the claim. During the appeal process, someone at XXXX XXXX XXXX ( Elan XXXX XXXX ) was supposed to call me with XXXX hours of the, but no one called me today XX/XX/XXXX. So I called XXXX Card Services ( Elan XXXX XXXX ) at XXXX XXXX  today ( XXXX ) and representative told me the case manager called me twice, but I have no missed calls and I was unable to have the discussion to successfully appeal my case. I have the same number for 14 years, and I my phone accepts all calls even spam calls. They also told me that XXXX rejected my dispute. So XXXX XXXX XXXX Elan XXXX XXXX is unethical about lying about calling me, and I do not feel protected as a Visa consumer as I was never given a chance to go through the appeal process and add more details on my claim for my dispute case CASE ID : XXXX and as I am XXXX unable to reach XXXX directly regarding my dispute. I do not feel protected as a consumer, Visa and XXXX XXXX XXXX XXXX Elan XXXX XXXX ) has not protected my rights against the fraudulent {$98.00} charge and they have not protected my rights as a consumer. I have supporting documentation for this complaint attached.

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