Consumer complaint received 2026-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Via Fax : XXXX XXXX XXXX XXXX Cardmember Dispute Resolution Department Re : Formal Chargeback Dispute and Request for Reversal of Charge Dispute Claim No. : XXXX XXXX XXXX Card Ending : XXXX Transaction Date : XX/XX/year> Amount in Dispute : {$2500.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX FORMAL NOTICE OF DISPUTE , BREACH OF CONTRACT, MISREPRESENTATION, FAILURE TO HONOR MONEY-BACK GUARANTEE, AND REQUEST FOR CHARGEBACK RELIEF To Whom It May Concern : I respectfully submit this formal billing dispute and request for chargeback relief regarding the above-referenced transaction processed by XXXX XXXX in connection with the purchase of its " XXXX XXXX XXXX '' software and related services. On or about XX/XX/year>, I purchased XXXX XXXXXXXX XXXX automated trading software solution with the expectation that it would function as represented and provide automated trading capabilities through integration with supported trading platforms and XXXX-hosted environments. The software and related materials were delivered electronically on XX/XX/year>. Following installation and review, I discovered that the product failed to perform as represented. Specifically, the software did not properly connect, integrate, or function with XXXX, XXXX, and XXXX-hosted trading systems, preventing the automated trading functionality that was a material reason for my purchase. As a result, the product delivered was substantially different from the functionality advertised by the merchant and could not be utilized for its intended purpose. Immediately upon discovering these deficiencies on XX/XX/year>, I contacted XXXX XXXX representatives identified as XXXX and XXXX and requested a full refund. My request was based upon the software 's failure to function as represented and the merchant 's advertised 60- Day Money-Back Guarantee. Despite providing prompt notice and requesting resolution, XXXX XXXX failed and/or refused to honor its refund commitment. BASIS FOR DISPUTE 1. Merchandise and Services Not as Described The software delivered did not conform to the representations made by the merchant concerning compatibility, functionality, performance, and operational capability. The product materially differed from what was advertised during the sales process. 2. Defective and Non-Conforming Product The software failed to perform its intended purpose and could not be utilized in the manner represented by the merchant. The inability to establish functional integration with the represented trading environment rendered the product substantially unusable. 3. Breach of Contract XXXX XXXX represented that purchasers would be protected by a 60-Day Money-Back Guarantee. Upon discovering the software 's deficiencies, I promptly exercised my right to request a refund. The merchant 's refusal to honor its stated guarantee constitutes a material breach of the contractual terms under which the transaction was induced. 4. Negligent Misrepresentation and Potential Deceptive Trade Practices Based upon the functionality delivered compared to the representations made during the sales process, there are substantial concerns regarding material misrepresentations concerning the software 's compatibility, reliability, and operational performance. I request that these circumstances be considered in evaluating the validity of the disputed transaction. APPLICABLE CONSUMER PROTECTION AUTHORITIES I respectfully request that XXXX XXXX XXXX investigate this dispute pursuant to all applicable consumer protection laws and cardholder protections, including : Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq., providing consumers the right to dispute billing errors and transactions involving goods or services that are defective, materially misrepresented, or not delivered as agreed. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z, which provide protections for credit card holders disputing transactions involving nonconforming goods, defective services, or material misrepresentations. Federal Trade Commission Act, 15 U.S.C. 45, prohibiting unfair or deceptive acts or practices in commerce, including materially misleading representations regarding products and services. Consumer protection standards enforced by the Consumer Financial Protection Bureau ( CFPB ) concerning fair billing practices, consumer dispute investigations, and protection against deceptive commercial conduct. To the extent the merchant represented software capabilities and compatibility that were not actually delivered, I respectfully request that such representations be evaluated in determining eligibility for chargeback relief and reimbursement. REQUEST FOR RELIEF Accordingly, I respectfully request that XXXX XXXX XXXX : 1. Reopen and conduct a comprehensive investigation of Claim No. XXXX ; 2. Reverse and permanently credit the disputed transaction in the amount of {$2500.00} ; 3. Preserve and enforce all consumer rights available under the Fair Credit Billing Act, Truth in Lending Act, Regulation Z, applicable card-network dispute rules, and related consumer protection laws ; 4. Review all supporting evidence, including communications with the merchant, refund requests, screenshots, installation records, and promotional representations ; and 5. Provide written confirmation of the results of the investigation and final determination. I certify that the statements contained herein are true and correct to the best of my knowledge and are supported by documentation available for review. Thank you for your prompt attention to this matter and for conducting a thorough and impartial investigation of this disputed transaction. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures Credit card transaction records Merchant invoices and receipts Email and written communications with XXXX XXXX Refund requests submitted to merchant representatives Screenshots documenting software functionality and integration issues Marketing materials and product representations Evidence relating to the advertised 60-Day Money-Back Guarantee Claim No. : XXXX XXXX XXXX Card Ending : XXXX Amount in Dispute : {$2500.00} Transaction Date : XX/XX/year> XXXX

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