CFPB Complaint

Credits, Incorporated – CFPB Complaint

Consumer Complaint Submission

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

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Credits , Incorporated XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?

Company: Credits, Incorporated

State/Zip: OR 972XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3069654

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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