Credit card -- Problem with a purchase shown on your statement -- Complaint #9584921
Complaint Overview
Complaint ID: 9584921
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: Card was charged for something you did not purchase with the card
State: Texas
ZIP Code: 77083
Date Received: 2024-07-22T12:00:00-05:00
Date Sent to Company: 2024-07-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
My credit card that was charged and was used physically in a place where I was not there. The bank told me the used of chip so it means physically presented. First of all I was in a different location ( XXXX XXXX ) while the credit card is in my home in the United States. There were 2 charges happened at the same incident the first one was about {$5.00} and the other was {$66.00} which includes tax. I was alerted by text messages so i called the bank and told them i did not do any purchases. Apparently after talking to them they issued credit on both amounts, but the next thing that I know they took the credit back and charge the larger amount which is the {$66.00} to my credit card. They put the charged back to my account because they said the chip was used during purchase. Up to now XX/XX/year> Ive been trying to resolve this by calling the bank several times. This is a dilemma, this happened early XXXX of XXXX and can not get people to handle it correctly by the US Bank. You have to wait several days for someone to call you back and ended waiting. To me it doesnt make sense they give a credit on the small amount but not on the bigger amount on the same incidents. Its actually Im after the righteousness of what happened and in good faith.
Frequently Asked Questions
What is Complaint #9584921 about?
Complaint #9584921 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 2024-07-22T12:00:00-05:00.
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.