Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5909832
Complaint Overview
Complaint ID: 5909832
Company: U.S. Bancorp
Product: Credit card or prepaid 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: California
ZIP Code: 93551
Date Received: 2022-08-23T12:00:00-05:00
Date Sent to Company: 2022-08-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Purchased two ( 2 ) XXXX XXXX XXXX from XXXX. Nearly 6 months later the items arrived and they are counterfeit. I contacted the XXXX XXXX rep and he confirmed the items as counterfeit. I contacted US Bank regarding the transaction on XX/XX/2022 and was issued a provisional credit of {$500.00}. I submitted documentation requested by US Bank. On XX/XX/2022 I noticed the provisional credit had been revoked. I called US Bank and was told the documentation I submitted was received but incorrectly formatted. I then reformatted the information and submitted it again via fax. Per the suggestion of the US Bank associate, I asked for a return call from the case processor. I did so for the express purpose that any additional information or requested could be fulfilled. I was told by US Bank to answer all calls even suspected spam calls because it could be from the claim processor. I followed these instructions to a T. Each week, usually on Tuesday I call US Bank and speak with another associate ; XXXX, XXXX, XXXX, XXXX and XXXX. All very nice people but despite what their notes may say I have never received a call from the case processor. Today, I called and was told the case was closed yesterday due to time. Any time limit was never disclosed. US Bank does not allow me to contact the case processor. US Bank has never initiated a single call or request for further information. I have explained that the US Customs and Boarder Patrol instructed me to not attempt to return the item as it is a felony to ship or return ship counterfeit merchandise. What US Bank is doing is re-victimizing me when they should be an advocate for me as a consumer. US Bank could have asked me at anytime for more documentation but instead they have stonewalled me again and again.
Frequently Asked Questions
What is Complaint #5909832 about?
Complaint #5909832 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-08-23T12:00:00-05:00.
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 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.