Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This charge has been in dispute since XX/XX/XXXX. 

With the assistance of XXXX, on XX/XX/XXXX, XXXX finally provided documentation that I requested. I have now had a chance to review the documents that XXXX withheld from me. 

The response they provided to the XXXX complaint dated XX/XX/XXXX oddly did not include the DETAILED dispute responses I provided dated XX/XX/XXXX and XX/XX/XXXX. They also asserted that I received a call from a case processor XX/XX/XXXX and that did not happen as I keep digital call logs. 

XXXX has signed the response " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Per the customer service number provided on the same form, NO SUCH PERSON IN THAT DEPARTMENT EXISTS. XXXX is NOT honest in their dealings. 

XXXX has asserted that they received a response from the merchant and that merchant provided proof that I received the services represented by the transaction. 

The documents that have been provided by the merchant " XXXX XXXX '' to XXXX are documents I have not seen until XX/XX/XXXX ( when XXXX finally provided to me ). 

After review of the documents dated XX/XX/XXXX and XX/XX/XXXX, I assert that I did not authorize ANY charge on my credit card. I did not approve ANY transaction with this vender/merchant " XXXX XXXX ''. The charge to my card is not valid. i respectfully assert that the merchant documents do not evidence more than the activity of the merchant. In this case, completely false and unauthorized activity. The documents XXXX provided do however, evidence the UNAUTHORIZED charge to my credit card as well as UNAUTHORIZED charges to the warranty company ( which will be dealt with separately ). 

I am respectfully requesting the proof that XXXX is referencing that I received services that was provided by the merchant. I did not receive ANY services that pertain to the charge of {$4800.00} on my credit card. See attached " XXXX response to XXXX XXXX is EXTREMELY unorganized, dishonest, and complacent with regards to addressing this serious issue. XXXX is unethical and dishonest in how they conduct business for all of the reasons I have listed. Their flow seems to be to disregard the consumers responses and requests for documentation and close the claim. They are now damaging my personal credit. I have an outstanding balance in COLLECTIONS for over {$5100.00} ( to my personal credit reporting agencys ) ALL related to this unauthorized charge. They are charging me late fees and interest as of the date of this request ( XX/XX/XXXX ). 

Please provide proof of some sort that this charge is valid or reverse the charge. XXXX requested is simply a written agreement with my signature or a signed sales slip. 

Please provide a REAL PERSON to call with a direct phone number so that we can address this like an ethical business should. All written communications from XXXX are signed with fictitious names that point me to a generic call que. SEE ATTACHMENT WITH RED NOTES

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