Date Received: 2018-11-10T00:00:00.000
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: My XXXX XXXX XXXX has been expired. Continued late charges have been requested by XXXX XXXX credit card company. The collection activity is unlawful practices. Please, correct it as soon as possible. Thank you!
Company: Alliance Data Card Services
State/Zip: NY 113XX
Company Response to Complaint: Closed with monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3071209
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.