CFPB Complaint

Client Services, Inc. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-26T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores.

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund.

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus.

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX.
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 – {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : – XXXX XX/XX/XXXX overpayment {$370.00}.

Company: Client Services, Inc.

State/Zip: FL 32907

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3082832

READ  CITIBANK, N.A. - CFPB Complaint

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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