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5628860
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2022-06-02
|
Communication tactics
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Debt collection
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|
| Tags |
Servicemember
|
| Issue |
Communication tactics
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| Timely |
Yes
|
| Company |
Total Card, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
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| Sub Product |
Other debt
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| Date Received |
2022-06-02
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-02
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
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| Complaint What Happened |
I was working with XXXX XXXX to resolve a debt issue. It started out good and I did not hear from them. I received 2 calls I did not get a clear message the first time. The second live call I returned the person on the other end extremely rude and unprofessional. Kept hanging up and telling me get a hobby laughing demeaning behavior. Scolding me for correcting the pronunciation of my name. Got me so worked up although the agent that was working with me knows I have XXXX XXXX that also affects my XXXX XXXX I kept trying to get my rep handling my account. She eventually charged a card used previously for an amount she decided without my authorization or consent as payback. Finally hours later I got another representative that said that a request was put in for a supervisor and they will reverse the charge and report my debt on my credit report. NOTE : We have a verbal agreement if I settle the debt they do not report to the credit bureaus. I have a small balance which the lady used as a weapon to hurt my credit because of her personal attitude. Debt collection is not a weapon it is a form of remedy to a financial breakdown between the creditor and consumer. They should be accountable and held in the same responsible standard as any other firm in this country. With XXXX complaints how can they continue to operate without accountability. Consumer are HUMANS we are not to be treated as animals or objects but as people. They are responsible for maintaining agreements, providing valid information and using respectable forms of communication to initiate, execute, and close situations on behalf of a creditor PERIOD! Disrespectful, demeaning, rogue, mental abuse, cooersion, discrimination should be punishable with fines and operating abilities. Threats are threats and are illegal in any context. Dishonoring an agreement should be held accountable not only in the case of a consumer but for a Collection Agency. My agreement was violated by XXXX XXXX and my credit file should not be the Collateral Damage. They need to collect my balance agreed by the form of payment I agreed to and not help themselves to any account of their choice. The abusive agents need to be held responsible for their actions. This has to end. I do not want anyone else to suffer from what is happening to me with this company. A manager is the only one who can resolve this because the representatives seem to have forgotten their roles and it is only on a management level that they will be reprimanded, held accountable, retrained if an option or released if this is not their first formal incident. My voice is my situation but a growing epidemic with XXXX XXXX. This is my formal declaration or call to their being held ACCOUNTABLE FOR DISCRIMINATORY AND UNETHICAL practices. I have attached proof with the exception of the others the payment charged yesterday was not agreed, permission not requested when I called later in the day after being hung up and told off earlier I was threatened that the payment will be reversed we will report the entire debt to your credit report. No, I have a right to select the payment method and amount as our original agreement I would pay at least but not less than {$50.00}. The rep. would call me every month for a payment. The XXXX XXXX who charged the card to spite me is not my original representative. She I will say was professional, informative, surprisingly concerned and treated me as a human.
|
| Consumer Consent Provided |
Consent provided
|
|
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2908752
|
2018-05-16
|
Problem with a purchase shown on your statement
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Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Total Card, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
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| Sub Product |
General-purpose credit card or charge card
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| Date Received |
2018-05-16
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-16
|
| Complaint What Happened |
In XX/XX/ I logged into my XXXX XXXX account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine.
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine.
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX.
XXXX XXXX obviously had blended my account with someone else 's account.
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX.
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint.
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error.
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left.
I have already reported this to them but they are ignoring that.
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment.
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
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| Consumer Consent Provided |
Consent provided
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|
|
1623776
|
2015-10-26
|
Billing disputes
|
Credit card
|
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
Total Card, Inc.
|
| Product |
Credit card
|
| Date Received |
2015-10-26
|
| Submitted Via |
Phone
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| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
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| Date Sent To Company |
2015-11-16
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| Consumer Consent Provided |
N/A
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|
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4776753
|
2021-10-04
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Problem with a credit reporting company's investigation into an existing problem
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Credit card or prepaid card
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Total Card, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2021-10-04
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-04
|
| Consumer Consent Provided |
Consent not provided
|
|
