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Alliance Data Card Services – CFPB Complaint

By on November 17, 2017

Date Received: 2017-08-09T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Back in XX/XX/XXXX-XX/XX/XXXX, I noticed that there was something on my credit report that did not belong to me. So I sent them a letter disputing the information, therefore they deleted it off all of my credit reports. My wife received a call on today XX/XX/XXXX from a restricted number stating that they have some legal documents for me to sign. When I told them that it did not belong to me they gave me the telephone number ( XXXX ), and then they told me to hire a lawyer because they are suing for fraud.

Company: Alliance Data Card Services

State/Zip: GA 302XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2599455

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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