Date Received: 2018-11-25T00:00:00.000
Product: Credit card debt
Issue: Communication tactics
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX we purchased a timeshare with XXXX XXXX. XXXX XXXX gave us a credit card with a credit limit of {$1600.00}. I never activated the credit card neither I used it. It took a year of dispute dispute with XXXX to cacelled the contract.
I XX/XX/XXXX, I sent a written letter to XXXX XXXX requesting a credit on the amount of {$1600.00}. The company requested proved of the cancelled contract from XXXX which I did, however on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were unable to issue a credit on my behalf.
Company: Alliance Data Card Services
State/Zip: VA 220XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3082214
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.
