when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it. 
