Date Received: 2018-10-16T00:00:00
Product: Credit card debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I didn’t know that I had any debt outstanding with XXXX XXXX I never received a letter, email or anything else. When I found out that I had an outstanding balance on my XXXX XXXX card, I paid it in full. But it negatively affected my credit score, without ever giving me any sort of written notice that I even owed anything.
Company: Alliance Data Card Services
State/Zip: MD 212XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3047248
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.