Consumer complaint received 2026-05-29 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:
I am submitting this follow-up complaint because U.S. Bank reopened my credit card dispute after my prior CFPB complaint, but then closed the case again without addressing the central issue. This dispute concerns a {$180.00} transaction made on XX/XX/year>, for concert tickets through XXXX XXXX. The event was scheduled for XX/XX/year>. My position has always been that I never received usable or redeemable tickets, never attended the concert, and received no benefit from the transaction. U.S. Bank appears to have accepted XXXX position that the transaction was fulfilled because a ticket link was sent. However, sending a link is not the same as providing usable event tickets. A ticket link that can not be redeemed does not provide access to an event and does not constitute delivery of the service purchased. Most importantly, neither XXXX nor U.S. Bank has provided evidence that the tickets were redeemed, transferred, scanned at the venue, activated, or otherwise used. XXXX has only demonstrated that a link was transmitted. XXXX has never demonstrated that I successfully redeemed the tickets, obtained possession of the tickets, attended the event, or received any benefit from the purchase. Between XXXX and XX/XX/year>, I contacted XXXX customer service multiple times because I could not locate my order and did not have usable tickets. XXXX representatives repeatedly informed me that they could not find any record of my purchase. Only on XX/XX/year>, XXXX days before the concert, was I finally told that the ticket purchase was handled by a separate division called XXXX XXXX When XXXXXXXX XXXX located the order, I was told that the tickets could no longer be redeemed because an open credit card dispute existed. This confirms that the tickets had not been successfully redeemed or used. It also shows that XXXX own internal communication failures prevented the issue from being resolved before the event date. Despite these facts, U.S. Bank closed the reinvestigation and concluded that I received the benefit of the transaction. That conclusion is unsupported by the evidence. U .S. Banks reinvestigation failed to address the following key questions : 1. Were the tickets ever successfully redeemed by me? 2. Were the tickets ever transferred to me in a usable form? 3. Were the tickets ever scanned at the venue? 4. Did I attend the event? 5. Did I receive any actual benefit from the transaction? 6. If the tickets could not be redeemed due to the open dispute, how could U.S. Bank conclude that the service had already been delivered? The merchants evidence appears to prove only that a link was sent. It does not prove that usable tickets were delivered or that I received the service purchased. I acted in good faith throughout the process. I contacted XXXX repeatedly before the event date. XXXX could not locate my order for months. I filed the dispute only after being unable to obtain the tickets or confirm the order through XXXX. I respectfully request that U.S. Bank reopen and properly investigate this dispute, require XXXX to provide evidence that the tickets were actually redeemed, transferred, scanned, or used, and issue a full refund of {$180.00} if no such evidence exists. I also request that U.S. Bank provide me with the complete documentation relied upon in denying the dispute, including all evidence submitted by XXXX XXXX and any internal notes or findings from the reinvestigation.

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 monetary relief