CFPB Complaint

Total Card, Inc. – CFPB Complaints 2018-12-07

Consumer Complaint Submission

Date Received: 2018-12-07

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.

Company: Total Card, Inc.

State/Zip: OH

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3094115

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