Credit card -- Problem with a purchase shown on your statement -- Complaint #9283145
Complaint Overview
Complaint ID: 9283145
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: Arizona
ZIP Code: XXXXX
Date Received: 2024-06-17T12:00:00-05:00
Date Sent to Company: 2024-06-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
This concerns the persistent failure by XXXX XXXX XXXX to impartially resolve disputes XXXX and XXXX with XXXX XXXX in compliance with Visa Rules : XXXX. As such, a card issuer is obligated to provide Cardholder all protections in compliance with applicable Visa Rules, laws and regulations. Therefore, the card issuer is responsible for acceptable due diligent reviews of disputes in accordance with Visa Rules and the Fair Credit Banking Act of XXXX [ 15 USC 1666 ] From this context, XXXX anonymously assigned professional case investigator noticeably failed to investigate [ review ] and execute fundamentally applicable Visa Rules for resolution of disputes XXXX and XXXX regarding XXXX XXXX. In this instance, Elans witting inaction allowed XXXX XXXX to function outside of the Fair Credit Banking Act and standard Visa Rule regulations with impunity as follows : [ 1 ] Willful failure to execute Visa Rule : 11.10.2.2 concerning improperly cancelled dispute XXXX, [ XXXX ] Willful failure to enforce Visa Rule : XXXX concerning recently and improperly cancelled dispute XXXX [ XXXX/XXXX/0224 ], [ XXXX ] Willful failure to return phone calls within XXXX to XXXX business hours in support of enhanced customer protocol pursuant Visa Rule : 11.1.2 and [ 4 ] Remiss dispute Provisional Credit reversals prior to due diligent review or research between the Merchant and Cardholder as required by Visa Rule : XXXX, etc.! Still in this regard, XXXX seemingly willful negligence on behalf of XXXX was chronicled in a real time narration statement of Fact for further detail.
Frequently Asked Questions
What is Complaint #9283145 about?
Complaint #9283145 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 2024-06-17T12:00:00-05:00.
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.