Credit card -- Problem with a purchase shown on your statement -- Complaint #18308672
Complaint Overview
Complaint ID: 18308672
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: Massachusetts
ZIP Code: 02302
Date Received: 2025-12-26T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In late XX/XX/year>, I contacted my bank regarding XXXX XXXX purchases made on my XXXX XXXX account. Due to a misunderstanding, the purchases were mistakenly reported as unauthorized. As a result of the fraud chargebacks, the merchant terminated my childs account. After realizing the error, I contacted the bank multiple times to clarify that the charges were authorized and to request that the fraud dispute be corrected and the charges reversed back to the merchant. Over the course of at least 20 phone calls from late XXXX through XX/XX/year>, I received inconsistent and conflicting information from bank representatives. One representative stated that the charges would be reversed and that a confirmation letter would be sent, but no reversal or letter was ever received. On later calls, representatives gave contradictory answers about whether the dispute was closed, not closed, or canceled. Despite clearly notifying the bank that the fraud claim was reported in error, the bank ultimately refused to reverse, correct, or escalate the dispute, stating only that the case was closed. No clear written explanation was provided, and the meaning of the case being described as canceled was never clarified. The inconsistent guidance prevented timely correction of the error and resulted in third-party consequences. I am requesting a review of how this corrected fraud dispute was handled and an explanation of why corrective action was not taken after the error was reported.
Frequently Asked Questions
What is Complaint #18308672 about?
Complaint #18308672 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 2025-12-26T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". 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.