Consumer complaint received 2026-03-24 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: VA

Complaint narrative:
The subjects of my dispute are XXXX ( XXXX ) charges on my card that need to be removed, both from a rental car company called XXXX. XXXX charge, for {$310.00}, was entirely unauthorized. The other charge, {$490.00}, was for a defective good/service which I had to separately pay a third party ( {$350.00} ) to make right and to be able to access the good/service. ( Rental car was provided with zipties on the ignition capacitor, which melted and blew a fuse, causing the car to shut down entirely while on a high-speed highway on a blind turn in a snowstorm. Rental car company refused/was unable to tow ; highway patrollers required us to get towed because of the danger. ) I filed these disputes with Fidelity in late XX/XX/XXXX, after sending multiple letters, emails, and calls to XXXX without success. ( There are XXXX separate dispute cases because there are XXXX separate charges, which appear on the same vendor invoice. ). Fidelity removed the charges from my account initially, but reinstated them this month after closing the dispute. Most outrageously on the part of Fidelity, the invoice from XXXX itself shows that I have a negative balance ( - {$95.00} ). Even if my no-authorization/damaged goods disputes are ignored entirely, Fidelity/Elan should have resolved the negative balance. This part is not in question and makes me believe Fidelity never even looked at the dispute. Recent Timeline : Fidelity/Elan closed the dispute without resolution on XX/XX/XXXX. On XX/XX/XXXX, my husband and I called Fidelity together to inquire. We were given no sensible explanation, and we asked to escalate. We were told a dispute manager would call back. On XX/XX/XXXX, a dispute manager called me and we spoke for 14 minutes. She agreed this should be escalated further, and took notes on our conversation. She told me she would call me back the same day or the following day. She never did. On XX/XX/XXXX, I called Fidelity again, and had to start at the beginning ( i.e. not a dispute manager ). I inquired about speaking to a manager, and the woman XXXX XXXX XXXX told me she would escalate this. I asked about the original escalation and that someone is working on it already, and she said the case is closed and " no one is currently working on it. '' ( What? ) My complaint against Fidelity is for the following : 1. Not removing the unauthorized charge of {$310.00}. 2. Not - at the very least - crediting me {$95.00} that the vendor 's invoice clearly indicates it owes me. 3. Not helping me resolve the matter with the vendor for the {$490.00} charge where they provided a defective good, and I had to spend {$350.00} to access a replacement product. 4. Not communicating with me about the dispute, and not keeping the dispute open while I am promised a call. All documents - invoices, letters to the vendor, demands, charges, receipts, timelines, emails with the vendor, etc. - have been available to Fidelity in the portal online.

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