Consumer complaint received 2026-01-06 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: SC

Complaint narrative:
Here is the letter to XXXX explaining the details ( I've provided them multiple copies ). They closed my case and won't allow me to upload information. The case number is below. 

They REFUSED to acknowledge that they are continuing to process a charge against a non-existent debt ( paid in full on XX/XX/XXXX ) and refusing a valid dispute ( sent XX/XX/XXXX ), the bank is engaging in conversion of funds and violating the Fair Credit Billing Act.

I uploaded and all specifically state ( as the info below ) that the debt was paid in full on XX/XX/XXXX and that the transaction was a billing error/not authorized. 
They have a copy of the Vendors offer to pay the debt in full ( by XX/XX/XXXX ), they also have a copy of my full CC payment of {$1000.00} to the vendor ( dated XX/XX/XXXX ). This payment completed my debt to the vendor and cancelled all future charges. The vendor tried to send an additional payment in anyway which is fraud. 
They did not ask for anything other than they stated I had to show proof I made the {$140.00} payment elsewhere. 
As I shared with them, I paid the entire bill off on XX/XX/XXXX, sharing the offer and the payment. I don't have another {$140.00} payment and didn't make XXXX. 

Dear folks at XXXX, Case ID : # XXXX Your bank is in possession of clear evidence that the underlying debt was extinguished on XX/XX/XXXX at XXXX. XXXX XXXX XXXX XXXX of the offer to pay in full which the above payment did. At that point the XXXX was Settled. They had NO Authorization to make additional charges. 
To be clear as Ive stated in the documents Ive uploaded. They ran an unauthorized charge after a bill was settled, that is a billing error/unauthorized transaction, not an overpayment. 
The charge in question is dated XX/XX/XXXX, a charge against a NON-EXISTENT DEBT. Reference number XXXX. 
By continuing to process a charge against a non-existent debt and refusing a valid dispute, the bank is engaging in conversion of funds and violating the Fair Credit Billing Act.

I am now escalating this to the CFPB and the SC Department of Consumer Affairs.

Please immediately confirm you have reversed this billing error / unauthorized transaction for a NON-EXISTENT DEBT.

Note : Under South Carolina Law ( S.C. Bill H.4069 ), which is active as of XX/XX/XXXX, XXXX facilities are under stricter oversight regarding " XXXX  '' billing and debt collection. 
The " No Refund '' Lie : If a hospital says " we don't refund extra payments, '' they are likely referring to voluntary overpayments. However, if they ran an unauthorized charge after a bill was settled, that is a billing error/unauthorized transaction, not an overpayment. 
As the document provided to you show, they ran an unauthorized charge AFTER the bill was settled. 
Ive also noticed that there is NO WAY for me to respond to your refusal to address this issue. The initial dispute shows on the charge, however it is closed so I cant add this letter, this inability to communicate will also be reported to the CFPB and the SC Department of Consumer Affairs. Dan

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