Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
TO : Consumer Financial Protection Bureau ( CFPB )/ U.S. Bank Executive Escalations COMPLAINT ID : initial complaint : XXXX filed on XX/XX/XXXX and addendum : XXXX Filed on XX/XX/XXXX DATE : XX/XX/year> SUBJECT : CRITICAL EVIDENCE UPDATE MERCHANDISE/SERVICES NOT RENDERED & PROOF OF MERCHANT DECEPTION I am filing this critical supplement to my active complaint because U.S. Bank has closed my dispute based on fraudulent merchant documentation. I am submitting new, definitive physical evidence that legally establishes that the merchant, XXXX / XXXX, has no right to retain my {$2100.00}. U.S. Bank closed the case under the impression that a legitimate transaction took place. The following newly attached evidence proves a billing error and a violation of Regulation E consumer protections : 1. Absolute Proof of " Services Not Rendered '' ( Future Travel Date ) The single charge of {$2100.00} was for a future hotel stay at the XXXX XXXX XXXX XXXX XXXX XXXX with an upcoming check-in date of XX/XX/year>. Because this date is in the future, services have legally not been provided. 2. Official Zero-Fee Hotel Cancellation Policy I have attached the original reservation and two ( 2 ) separate official cancellation receipts directly from the XXXX XXXX XXXX XXXX . The hotel 's strict corporate policy states that any reservation canceled prior to 48 hours of check-in incurs a {$0.00} fee. The reservation is completely voided at the venue, meaning the merchant is holding funds for a room that does not exist and for penalties that do not apply. 3. Written Proof of Merchant Fraud and Deception The merchant successfully manipulated U.S. Bank 's dispute system by filing paperwork to reverse my credit while simultaneously executing a text-message scam to keep me from responding. I have attached the following text messages sent directly from the merchant to my mobile phone : XX/XX/year> ( Cancellation ) : The merchant explicitly texts me confirming the reservation is canceled. XX/XX/year> ( Fake Refunds ) : The merchant explicitly texts me claiming they have issued three separate credits ( {$1400.00}, {$420.00}, and {$190.00} ) to return my money. They provided 8-digit tracking codes. U.S. Bank has audited my account and confirmed no such money or 23-digit Acquirer Reference Numbers ( ARNs ) exist in the banking network. XX/XX/year> ( Re-Confirmation ) : The merchant texted me again on XX/XX/XXXX, re-confirming the booking remains canceled. Conclusion : The merchant is playing both sidestelling the bank the charge is valid while telling the consumer it is refunded and canceled. U.S. Bank has a duty under the Electronic Fund Transfer Act to investigate this clear case of merchant misrepresentation and unauthorized autofill data-scraping. I request that the CFPB compel U.S. Bank to review these attached hotel records, reopen the dispute under chargeback reason code " Services Not Provided, '' and reinstate my provisional credit. Sincerely, XXXX 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