Credit card -- Problem with a purchase shown on your statement -- Complaint #10872232
Complaint Overview
Complaint ID: 10872232
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Wisconsin
ZIP Code: 53216
Date Received: 2024-11-18T12:00:00-05:00
Date Sent to Company: 2024-11-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I was trying to hook up my new XXXX printer and was unsuccessful. I scanned a QR code provided by XXXX and called a number for XXXX Support. A man by the name of XXXX XXXX came on and took control of my laptop, showing me I had viruses. They charged me {$190.00} to clean up the viruses and told me I needed to their software to protect my laptop, other devices and their software would stop all viruses at the point of entry at the modem. I felt pressured to make this purchase but made a lifetime purchase. They temporarily got my printer working but it never stayed working. About a month later they called me and said I needed to upgrade my purchase because my modem was getting hacked by foreigners. They wanted over {$3000.00} more, when the original purchase was supposed to cover the modem. This is when I knew they were scamming me. Their company name is XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX is the only address I can find when searching for this company. I reported this to my credit card company, Elan Financial Services through XXXX Bank. Initially they reimbursed the charge of {$1200.00} on XX/XX/XXXX. After their investigation, they reversed that reimbursement saying that I willingly put in my credit card number for the purchase and received the services represented by the transaction. This is not true. I did not receive the services XXXX told me I had purchased. There would not have been a need to purchase further protection, if they had in fact provided the services they promised. I have twice requested the investigation information from Elan Financial Services that was used in their investigation and both times they said they would send it. I still have not received the information.
Frequently Asked Questions
What is Complaint #10872232 about?
Complaint #10872232 was filed against U.S. Bancorp regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-11-18T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.