Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4989740
Complaint Overview
Complaint ID: 4989740
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Arizona
ZIP Code: 856XX
Date Received: 2021-12-08T12:00:00-05:00
Date Sent to Company: 2021-12-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Had problem with a merchant. Filed a dispute with XXXX XXXX on XX/XX/XXXX after attempting to solve with merchant 3 times. Was told repeatedly that claim was solved in my favor by XXXX reps and a supervisor in XX/XX/XXXX. I have been told a different scenario almost each and every call I have made. I am told " '' '' rep didn't document call for XXXX mins '' " we do not know why claim agent did not call '' " we will put in another request for them to call '' " we have no record of that '' etc etc. As a matter of fact the charge of XXXX has been added and removed XXXX separate times. Now the charge was reversed again on XX/XX/XXXX and after faxing the entire story yet again on XX/XX/XXXX I was denied an appeal. I have called several times over this. All calls have been documented by the main US Bank. They have had me wait to talk to a case XXXX XXXX separate times ( they never call in XXXX hour period as you are told ) I have to call again and again. Now I'm being told there is no one to take my call directly for the claim. I am awaiting call records from bank to show all the calls I have needed to make to this department. And now they are denying me an appeal even though I have submitted more documentation within the 10 day appeal period. They claim since I paid for service I can not dispute it saying their hands are tied. But my issue is with a rental company that takes payment upfront. This was all stated to them many times verbally and in writing. Vehicle was mechanically broken, I was denied another functioning vehicle from the XXXX XXXX and falls under customer goods and services " NOT AS RECEIVED '' rule which they are fully ignoring.
Frequently Asked Questions
What is Complaint #4989740 about?
Complaint #4989740 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-12-08T12:00:00-05:00.
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 or prepaid 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.