Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:24/03/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have interacted and used C*************** which is a subsidiary of W******* Inc. which ultimately is a site to sell credit cards.
  
  They provide offers such as "$100 from ************." if you apply for certain credit cards.
  
  I have applied for one of these cards and unfortunately and have still not received my cash from **********. I have asked them a few times and I have been told they are still talking to the bank about it.
  
  My application was done on Jan 19, 2025 and was approved a few days later.
  
  I have asked why my payment from ********** is still in the pending stage on Feb 16, 2025 and was told that the information has been sent to the bank, - I followed up on March 3, 2025 and was told it could take 6 weeks.
  
  It's now March 24, 2025- I am honestly not sure why it takes a month and a half to verify whether I have been approved or not.

  Business Response

  Date: 26/03/2025

  Dear W****** C***,
  
  Thank you for reaching out to us regarding your ********** reward. 
  
  Our records show that you applied for the product on January 19, 2025, and submitted a ticket about your ********** on February 16, 2025. We responded to your inquiry on February 18, 2025, informing you that we are investigating the status of your application and have forwarded your details to the bank for review. You followed up on March 2, 2025 and we responded on March 3, 2025 to let you know that it can take up to 6 weeks for the bank to respond to us once we send your details for manual investigation.
  
  Please note, that as per our Terms and Conditions:
  
  “We will distribute the ********** to Participants who have successfully qualified following confirmation from the Provider that the application for the Product has been approved. Please allow up to twelve (12) weeks for ********** fulfillment processing after Product approval confirmation from the Provider to Us.”
  
  In summary, while your application may have been approved by the Provider, we are still awaiting formal confirmation from them before we can issue your ********** payout.
   
  We are still within the 12-week window and are diligently following up with Tims on your behalf. We will provide an update as soon as we receive any new information. In the meantime, please feel free to respond to your ticket or email ************************* if you have any other questions.
  
  Thank you for your understanding and patience. 
  
  Sincerely,
  WeyMedia
  
  

• Initial Complaint

  Date:18/03/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Credit card genius had offer to apply for T*** Financial secured m********* and they will interac $100 if approved.
  
  I was approved for over two months (last 4 digits: ****) received, activated and used the card. Filed a ticket with Creditcard Genius (GeniusCash offer ***************) with no avail.

  Business Response

  Date: 20/03/2025

  Dear J** *********
  
  Thank you for reaching out to us regarding your GeniusCash reward. 
  
  Our records show that you applied for the product on January 17, 2025, and submitted a ticket about your GeniusCash on February 15, 2025. We responded to your inquiry on February 18, 2025, informing you that we are investigating the status of your application and have forwarded your details to the bank for review.
  
  Please note, that as per our Terms and Conditions:
  
  “We will distribute the GeniusCash to Participants who have successfully qualified following confirmation from the Provider that the application for the Product has been approved. Please allow up to twelve (12) weeks for GeniusCash fulfillment processing after Product approval confirmation from the Provider to Us.”
  
  In summary, while your application may have been approved by the Provider, we are still awaiting formal confirmation from them before we can issue your GeniusCash payout. Although we strive to process payments as quickly as possible, please understand that this may take up to 12 weeks in certain cases.
  
  We are still within the 12-week window and are diligently following up with T*** on your behalf. We will provide an update as soon as we receive any new information. In the meantime, please feel free to respond to your ticket or email h************************ if you have any other questions.
  
  Thank you for your understanding and patience. 
  
  Sincerely,
  WeyMedia
  
  

  Customer Answer

  Date: 20/03/2025

   Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. If business is unable to meet their promise with in 12 weeks window, I may reopen the case or submit another. 

• Initial Complaint

  Date:02/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a *** credit card through ******************* (WeyMedia is parent company for *******************) on Sept 23, 2024, which promised a ********** reward. I was approved for the card and provided my *** reference number (***************) to **************** on October 25, 2024.
  Despite fulfilling all requirements and following up multiple times between October 2024 and January 2025, **************** has failed to provide my promised reward. They continue to blame *** for delays, claiming they cannot process my reward without confirmation from ***** affiliate marketing team.
  However, after over 6 months of delays and identical responses about "investigating," it appears **************** *s using BMO as an excuse to avoid paying promised rewards. Their terms and conditions create a convenient loophole allowing them to indefinitely delay or deny rewards by claiming they need "confirmation from the bank."
  Desired Resolution
  
  Immediate payment of my promised ********** reward
  Implementation of a clear timeline for reward processing
  Greater transparency in their reward eligibility requirements
  Compensation for the excessive time and effort spent following up on this issue
  
  This practice appears to be a pattern affecting multiple customers and constitutes misleading advertising, as **************** prominently advertises rewards they seem unwilling or unable to deliver.

  Business Response

  Date: 04/03/2025

  Dear ** ***
  
  Thank you for reaching out to us regarding your ********** ******. We understand your frustration and sincerely apologize for the delays you’ve experienced. Please know that we have been consistently following up with *** to resolve this issue. Unfortunately, *** has been delayed in their ability to respond to our requests, which is causing the hold-up in processing your ********** *******
  
  We want to assure you that we have responded to your inquiries on multiple occasions, including on November 9th, December 3rd, December 29th, and January 23rd. Each time, we explained that we are still awaiting confirmation from *** and provided updates on the status of your request. We are committed to ensuring that your reward is processed as soon as we receive the necessary confirmation from ***** affiliate marketing team.
  
  To clarify, as outlined in our ********** Terms and Conditions:
  
  "Approvals for completed application(s) for the Product can take up to eight (8) weeks to be processed by the Provider. Applicants for the Product who are approved will be notified by the Provider. Notification that the Participant has successfully qualified for the Promotion will come from Us by email. Any issues with ********** fulfillment must be brought to the attention of ************** within twelve (12) weeks of the date of the application for the Product. We will distribute the ********** to Participants who have successfully qualified following confirmation from the Provider that the application for the Product has been approved. Please allow up to twelve (12) weeks for ********** fulfillment processing after Product approval confirmation from the Provider to Us."
  
  We have submitted all relevant details, including your Application Reference Number, to *** for manual approval. However, ****s affiliate marketing team needs to confirm eligibility before we can process the ********** reward. In addition to being approved for the product, there are several other eligibility factors they consider, such as whether the application meets the requirements and if it is linked correctly to creditcardGenius.ca. 
  
  We understand the importance of this issue and assure you that we are doing everything we can to expedite the process with **** We sincerely apologize for the inconvenience caused by the delays and will continue to follow up with them until this matter is resolved.
  
  Thank you for your understanding and patience. We will provide an update as soon as we have new information.
  
  Sincerely,
  WeyMedia
  
  

  Customer Answer

  Date: 06/03/2025

   I am rejecting this response because six months have passed, and I don’t see real progress. This delay is unreasonable, and I don’t believe enough is being done to push things forward.

  
  

  Please provide the *** contact details (names and emails) and proof of recent follow-ups. I also request that you email *** again and CC me by email so I can see the action being taken.

  
  

  Looking forward to your prompt response.

  
  

  Best,

  ** **

  
  

  
  
  
  
  

  Business Response

  Date: 10/03/2025

  Dear ** ***
  
  We understand your frustration, especially considering the length of time that has passed. We want to assure you that we have been consistently following up with *** regarding this matter and are doing everything within our power to expedite the process.
  
  Unfortunately, we are unable to share the contact information of our affiliate at *** due to privacy policies. However, please rest assured that we have been actively communicating with them and will continue to do so. As part of our commitment to resolving this, we will be processing your ********** during the next fulfillment cycle, and you should expect the payout within approximately 2 weeks.
  
  Once again, we apologize for the delay and appreciate your patience. If you have any further questions or concerns, please don’t hesitate to reach out.

• Initial Complaint

  Date:03/12/2024

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  MoneyGenius offered $150 in cash back for opening a Coast Capital Free Chequing, Free Debit, and More Account. I opened my account on October 15, 2024. I clicked through their link when creating the account and followed all of their instructions. I have received my debit card and am able to log into my account. I have also confirmed with Coast Capital that my account is open and ready to use.
  
  However, *********** has still not sent me my cash back or responded to any of my communications. I opened a ticket with them on November 13, 2024 and they still haven't responded. I would appreciate your help finding a solution.

  Business Response

  Date: 05/12/2024

  Dear R**** *******,
  
  Thank you for reaching out.
  
  Please note the following section from our GeniusCash Terms and Conditions:
  
  “Approvals for completed application(s) for the Product can take up to eight (8) weeks to be processed by the Provider. Applicants for the Product who are approved will be notified by the Provider. Notification that the Participant has successfully qualified for the Promotion will come from Us by email. Any issues with GeniusCash fulfillment must be brought to the attention of ************** within twelve (12) weeks of the date of the application for the Product.
  
  We will distribute the GeniusCash to Participants who have successfully qualified following confirmation from the Provider that the application for the Product has been approved. Please allow up to twelve (12) weeks for GeniusCash fulfillment processing after Product approval confirmation from the Provider to Us.”
  
  In summary, while your application may have been approved by the Provider, we must receive their formal confirmation directly before issuing your GeniusCash payout. While we aim to process payments as quickly as possible, this can take up to 12 weeks in some cases.
  
  We responded to your ticket on November 14th to confirm that your details had been sent to the bank for manual approval. We have since followed up and received confirmation of your approval. Your GeniusCash payout will be processed in our next fulfillment cycle, and you should receive it in approximately 2 weeks.
  
  If you have any further questions, please feel free to respond to your ticket or contact us directly at *********************
  
  We apologize for the delay and appreciate your patience.
  
  Sincerely,
  WeyMedia
  
  

• Initial Complaint

  Date:01/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for two credit cards through ****************** website, which promises cashback for applications via their referral links. My credit cards were approved instantly, but the website still shows "Credit card application pending. Please allow up to 4 weeks," and I have yet to receive any cashback.
  
  Inconsistent messaging: The website says "Please allow up to 4 weeks" for cashback, but when I contacted them in September, I was told I must open a ticket within 12 weeks. This inconsistency is misleading and confusing.
  
  Unresponsive customer service: I emailed CreditCardGenius in September and received no response. In October, they replied, saying I should have opened a ticket within 12 weeks and refused to investigate further. Despite my request for clarification, they did not respond further.
  
  Failure to pay cashback: Despite following all the instructions, I have not received the promised cashback. This, along with the unhelpful customer service, leads me to question the legitimacy of CreditCardGenius. It seems they are intentionally avoiding paying the cashback they advertise.
  
  Resolution Requested:
  I request the full cashback of $145 (*** Eclipse **** Infinite: $100 + $25 **********; *** *** ***** ***** ***** **********: $20) as promised for my approved applications. Given these issues, I doubt the legitimacy of **************** and am seeking a prompt resolution.

  Business Response

  Date: 04/12/2024

  Dear R******* *****
  
  Thank you for reaching out.
  
  According to our records, you contacted us on September 28, 2024, from the email address ********************** At that time, no offers or tickets were associated with the account. We responded on October 1, 2024, requesting additional information to investigate further but did not receive a reply (see attachment).
  
  On October 14, 2024, we received an email from **************** but more than 12 weeks had passed since the application date for these offers, and no tickets were created using this email. As per our Terms and Conditions, you must open a ********** ****** within twelve (12) weeks of your application for the ********** offer. We responded on October 17, 2024, requesting screenshots of your dashboard and tickets, but we did not receive a response (see attachment).
  
  After further investigation, our Development team identified a connection between these two accounts which also revealed potential attempts to tamper with our system. As per our Terms of Service, in the event the Company determines, in its sole discretion, that any activity you perform through our Website is suspicious or related to any prohibited activity, the Company may cancel or suspend your Account and/or access to the Websites, block any outstanding Transactions, deny any new Transactions, and/or freeze any funds that may be available to you through our Services.
  
  Despite these concerns, the tickets and application numbers were submitted to the bank, and we are still awaiting their approval. It’s important to note that aside from being approved for the card, there are other application eligibility requirements that the affiliate department considers, and there’s a variety of reasons why an application may not be eligible for **********, such as not being a first time cardholder for this card, application being linked to another affiliate partner, not providing correct information, among other reasons. This confirmation is required in order to pay out the marketing incentive, as per our Terms and Conditions.
  
  We've been following up with *** as we're waiting for them to fix some issues on their end and provide an accurate resolution on the outstanding tickets. Unfortunately, the investigation time by the bank is outside of our control. We need to receive confirmation from the *** credit card affiliate marketing team directly that the application was initiated on the specified link on the ******************* ******** 
  
  We sincerely apologize for the delay and will provide an update as soon as new information becomes available.
  
  Thank you for your patience.
  
  Sincerely,
  W*******
  
  

  Customer Answer

  Date: 06/12/2024

   I am rejecting this response because:
  Hi W******* Team,
  Thank you for your response. I appreciate the clarification provided; however, I have several concerns and require further assistance to resolve this matter promptly.
  1. Expected Timeline for Cashback: Could you please provide a clear and definitive timeline for when I can expect to receive the promised cashback of $145? Understanding the expected date will help manage my expectations and ensure transparency in this process.
  2. Accountability and Communication: **************** has an obligation to keep clients informed about the status of their cashback. If there are unavoidable delays, proactive communication from your side is essential. Waiting for clients to follow up is not an acceptable practice and has caused unnecessary frustration.
  3. ********** Ticket Requirement: The requirement to open a ********** ticket within twelve (12) weeks of the application is unreasonable, especially when the status page initially states “Please allow up to 4 weeks.” This inconsistency is misleading and unfair to clients. I believe this term should be reconsidered to better align with the information presented on your website.
  4. Account Concerns and Alleged Suspicious Activity: The mention of potential suspicious activity is unfounded. The two email addresses associated with my accounts, ********************* and ***************, both belong to me. The creation of a second account was an oversight, as I forgot I already had an existing account with **** There was no intent to tamper with your system or engage in any prohibited activity. I kindly request that you review this matter again, considering that both accounts are legitimately mine.
  5. Eligibility for Cashback: This is my first time applying for both the *** ******* **** ******** and *** *** ***** ***** ***** ********** through ****************. Therefore, there should be no eligibility issues regarding the ********** offer. I have met all the necessary requirements, and my applications were approved by ****
  6. Resolution and Continued Communication: I insist that this case remains open until the promised cashback is received. I expect regular updates on the progress of my cashback and any actions being taken to expedite the resolution.
  I trust that **************** values its customers and will address these concerns with the urgency they deserve. Please provide the expected timeline for my cashback and ensure that all future communications are clear and proactive to prevent further misunderstandings.
  Thank you for your attention to this matter. I look forward to your prompt and satisfactory response.

  R*******

  
  

  Business Response

  Date: 12/12/2024

  Dear ******** *****
  
  Thank you for taking the time to share your detailed feedback. We sincerely apologize for the inconvenience and frustration caused throughout this process and deeply appreciate your patience and understanding as we worked to resolve this matter.
  
  We are pleased to share some good news:
  
  We have received confirmation from *** regarding the resolution of your ticket. Your cashback request has been approved, and payouts are being processed. You can expect your ********** reward of $145 to be deposited within the next few business days.
  
  Also, after further investigation, we have verified the legitimacy of both email accounts associated with your profile. We apologize for any confusion or concern caused by earlier communications regarding this matter.
  
  We truly value your feedback and acknowledge the concerns you raised about our timelines, communication practices, and policies. Your input is invaluable as we strive to improve our processes and provide a better experience for all our clients.
  
  If you have any further questions or concerns, please don’t hesitate to reach out to ************************** 
  
  Thank you once again for your patience and understanding.
  

  Customer Answer

  Date: 12/12/2024

   Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ** ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  Date:24/07/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This website promises a cash bonus if you apply for a credit card through their affiliate program. I applied for a credit card through their website in April 2024, and was approved. I received the card, have been using it regularly, and let ****************.ca know this. Since May of 2024, I have been regularly following up regarding my missing cash payment. Their website says the payment is usually made within 30 days. In -rare, extenuating- circumstances, this may take 12 weeks.
  
  It is now almost August 2024 and I haven't received anything! I've followed up with their customer service a dozen times, and have gotten the same "thanks for your patience, we are looking into this, etc." garbage every time. This is completely unacceptable, fraudulent, and misleading to customers, to scam them into signing up for credit cards under the impression they will receive a cash bonus, and then ignore their repeated requests for resolution. Stay away from this website.
  
  I've attached some of the customer service exchanges I have had to this.

  Business Response

  Date: 09/09/2024

  Dear ****,

  Thank you for providing detailed information about your experience. We understand your frustration and would like to clarify the situation further.

  As outlined in our Terms and Conditions, we must receive your approval confirmation directly from the bank before we can issue your ********** payment. Beyond simply being approved for the card, there are other application eligibility requirements that the bank considers, including, but not limited to:

  - Being a first-time cardholder for this specific card
  - Applying directly through our website
  - Providing accurate information during the application process
  

  We can assure you that we have been diligently following up with the bank to secure the necessary approval for your ********** payment. Despite our efforts, there could be various reasons why the bank has not yet confirmed your application, such as not meeting the eligibility criteria or an issue with the tracking process.
  

  As per our Terms and Conditions, if there is a tracking error or difficulty verifying your eligibility, we will use your provided details to conduct a manual investigation. Unfortunately, the duration of this manual process depends on the bank and is beyond our control. We cannot issue a payment without the bank’s confirmation of approval.
  

  We regret the inconvenience this has caused and want to assure you that we are continuing to pursue this matter with the bank.
  

  Relevant section of our Terms and Conditions:
  

  “The ********** payment will only be fulfilled following confirmation of approval from the Issuer to Us.”
  

  Regards,
  **************** Support