Complaint Review: US Bank US Bancorp - Fargo North Dakota

Paul, it sounds like the Arizona sun has fried your brain cells - however many are left. Jean's comments were constructive and or to the point, while your ramblings appear to be just that. I've had a US Bank account for over 30 years until I moved to Texas where there aren't any US Bank Branches, my late grandparents had one even longer. I have also worked with customer service as I am part and have been part of the legal department of a corporation and when they get people like you, they send them to me. These people ramble on and on about nothing and then complain that we won't do anything. You state, "US Bank continues to improperly charge and credit my Visa Statement for the initial amount originally disputed." So apparently they keep taking money out and putting money into your Statement? Do you mean your account? Do you mean they keep giving you your money back and then taking it back out? This would sound fishy even for a trout. Why don't you just chalk up the $267 loss as a learning experience and get on with life. Change banks, change Visa cards and get on with life.

as stated previously, i do not work for this company but I have worked in a dispute department for credit cards previously. From what little information you provided. It sounds like a quality of service dispute. Let me reitterate that again VISA sets the rules and regulations...not a bank issuing the credit card. This would mean no matter which bank issued you your credit card, they all need to follow the same set of rules and regulations. In a quality of dispute situation, VISA and MASTERCARD for that matter require many conditions to be met, in addition, this is a very hard case to prove and in most situations VISA rules in favor of the merchant. What is usually is required is that 1)you exhausted all efforts to work directly with the merchant, 2) you have to come up with a dollar amount and provide an explanation of the dollar amount-you this is usually the amount you would have paid for labor/service and cannot include any merchandise you have or damages a merchant may have caused. 3)you need to have a letter by a 3rd like party merchant stating the service received from the first merchant was insatisfactory and they did something wrong. VISA requires this as Visa needs a like merchant to explain why/how the 1st merchant did something wrong. AGAIN let me reitterate that a bank does pick and choose who to help:they have a set of rules and regulations set me VISA, these rules and regulations are to protect both merchants and cardholders. Unfortunately Visa is unable to cover each and every one of the millions of dispute reasons people may have. Sometimes no matter how much you want to help someone you truly have no recourse through the VISA rules and regulations to send a transacton back to the merchant. As far as my attitude, I do appologize but as someone who has worked in a field where everyone likes to complain and most people don't take responsibility for their actions, you do develop an attitude.

I received a copy of the rebuttal from Jean at US Bank, Fargo, ND. This rebuttal is so filled with miss leading, inept and irrelevant information it would be difficult to comment on without returning to day one of this complaint. However; when the dispute is about a total of $267.00 and the cost to provide the additional information requested by USBank would be approximately $1,000.00, or more, I consider the request excessive and for the most part irrelevant. All receipts and a history of the four visits (8 round trips) to the firm that charged me for work they did not perform, was provided to US Bank. US Bank continues to improperly charge and credit my Visa Statement for the initial amount originally disputed. The person writing this rebuttal must work for US Bank but lacks the capability to professionally prepare a meaningful rebuttal. The comments are very elementary, argumentative and not related to the real issue. The tone, lack of professionalism and general attitude that "we can do no wrong" is typical of USBand and is the basis for the problem they have.

Your stating they won't assist you yet you refuse to provide the information you are requesting. I used to work for a credit card company in their dispute department and I know what people like you are like. The information requested isn't something they are requesting just for themselves. That information would be something that Visa requires in order to assist in the many different types of disputes. You refuse to send the information they are requesting yet it is there fault? Obviously you are passing the buck and not taking responsibility for your own actions and that is why you won't give them the information they are requesting. I also find it interesting that you will put them down yet not give any specifics for your being upset with them. Since when do you get to decide what is relevant or irrelevant? Obviously it is relavent or they wouldn't be asking for that information.