Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Earlier this year, I opened an account XXXX with the vendor XXXX ( now out of business ) to supply vetted and qualified real estate leads, ready to sell within the next 1 to 2 months. The setup fee was {$1500.00}, and each subsequent lead would be {$250.00}. A grand total of {$2700.00} is disputed. The vendor did not supply any qualified leads, and when contacted to get a refund, the vendor said they would provide a refund this was XXXX. Even after stating they would provide a refund, they charged my card again, and then I locked the card to stop the charges. I kept after this vendor about the refund, and they kept kicking the can down the road and using every excuse in the books to postpone that refund. After pressing this vendor and refund, the phone numbers that I had used to reach this vendor previously became disconnected, and the emails bounced ; these bounces started in XXXX. 
At that time, I reached out to US Bank for help in resolving this dispute. I opened a dispute over the phone ; US Bank stated they would send me info to complete and fill out. Before I received the request by US Bank for more info, I received a letter stating that the claim was denied due to it being out of the XXXX limit. At that time, I requested more info from US Bank, and that request was not answered. During this time, I did receive the request for more information and completed the request, and returned to US Bank via the fax number provided. I followed up with phone calls and never could reach the case manager ; they never tried to reach me either. So I followed up with another written request, but that request was also not responded to. US Bank blanket denied all my claims, and so I called in again and brought up the fact that XXXX of the charges was still within the XXXX complaint window when it was disputed the first time, so how could it be denied? US Bank claimed that they received a communication from the vendor stating otherwise ; in that letter dated XX/XX/XXXX, US Bank said they would provide the documentation if requested. I requested that info XXXX days later by fax to the number they provided in the letter. Additionally, I submitted a Section XXXX claim to US Bank because this vendor defrauded me over the phone. I have made many attempts to resolve this dispute without the bank 's help, but due to the way that the vendor acted by the time I found out this was a fraud, it was too late. Today, nothing has been supplied to support their position that the vendor answered them. In talking to them on the phone today, they stated they have never received any communication from me. However, I have fax confirmation that I have submitted requests to them multiple times. So they continue to take advantage of me, and I believe it is due to my age, as I was born in 1947. The reason for my call today, on XX/XX/XXXX, was to get a new card and dispute a charge that is very similar to this past disputed charges, that appears to be the same as the charges that Im disputing but a new company XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. ) In looking up this entity in the secretary of state in CA, no such entity exists. I will also be bringing this up with the Attorney General here in the state of CA, with the idea of helping prevent others from being taken advantage of. So, US Bank continues to allow me to be taken advantage of. That is why Im reaching out today as I need help in resolving this claim.

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