CFPB Complaint

Alliance Data Card Services – CFPB Complaint ID 3069591

Consumer Complaint Submission

Date Received: 2018-11-08T00:00:00.000

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to ” take the next step ” and if they hadn’t heard from this person, they would assume that they didn’t intend to resolve the situation.
I DO NOT have a personalized voice mail, it is completely generic.
Maybe I wouldn’t be so upset over this if I didn’t work for a bank and didn’t know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person ‘s finances. But it’s clear from the conversation that I had with your employee that they think it’s perfectly fine.
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don’t care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.

Company: Alliance Data Card Services

State/Zip: TX 760XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

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Complaint ID: 3069591

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