U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Transaction issue California

-/-/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of $270.00. I happened to be travelling abroad on business so I did not notice this charge until my return -/-/2016. My account has been previously paid off with no outstanding balance. When I called US Bank credit card customer service -/-/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. The merchant opened a case ( case # - representative name - ) to investigate the charge and once that was completed, - - refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.