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- Customer Complaint:
BBB’s business profile for Card.com was created in December 2018. A review of complaints was completed in October 2024.
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Complaints
Customer Complaints Summary
- 448 total complaints in the last 3 years.
- 66 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:01/16/2025
Type: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 reported a disputes to card.com/premium I had several disputes internationally and more. I was denied my dispute because they said my card was in possession. I told them my card was in my car and on my phone. This is over 900$ there were several charges internationally. This is wrong my card was leaked in the system and this fraud
Business Response
Date: 01/23/2025
*********** filed a dispute claim on January 6, 2025, totaling $946.74. Provisional credit if eligible was due on February 4, 2025. The claim was denied on January 16, 2025, as no error was found. Upon receipt of the complaint, we reviewed the claim and stand by the denial. Should Ms. ****** require any additional information she can contact us at **************.Initial Complaint
Date:01/15/2025
Type: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.
Card.com reversed funds from my Uphold account without authorization or explanation.The funds have not been returned to my Card.com premium checking account ********************** has stated they have no transaction record regarding the deposits or the reversals they initiated.This refusal to provide transaction records violates legal obligations under financial and banking regulations.*** 4A-503 requires financial institutions to provide documentation of funds transfers upon request. Card.coms failure to supply such records constitutes a breach of their fiduciary duties under the ****Violation of the *************** Transfer Under 15 USC 1693g(b), financial institutions are required to investigate and resolve disputes concerning unauthorized electronic fund transfers EFTs. Card.com has failed to fulfill this obligation.15 USC 6801 The *****-*****-****** Act mandates that financial institutions maintain accurate records and protect consumer financial information. Card.coms claim that no transaction record exists is inconsistent with their statutory responsibilities.The reversal of my funds and lack of transparency have caused financial harm and emotional distress. I have been denied access to my own money, and Card.coms refusal to provide records has obstructed my ability to resolve the issue.Investigate Card.coms handling of this matter, specifically their failure to provide transaction records and unauthorized fund reversal.Ensure Card.com returns the missing funds to my account.Require ********************** to provide a detailed explanation of the reversal and any associated records.Impose penalties on Card.com for non-compliance with financial and consumer protection laws.Business Response
Date: 01/16/2025
We have reviewed Mr. ***** account and confirmed that only the $16 and $180 transactions listed in his complaint match the transactions in his CARD Premium Account. In his complaint, Mr. ***** indicated that the $16 and $180 transactions were deposits,however, they were debits. This matches two of the emails included on the complaint which state $180USD were deposited from Your Premium Checking account and $16 USD were deposited from Your Premium Checking account. This indicates that the funds were taken from his CARD Account and not ************. ***** will need to contact Uphold regarding the other transaction activity listed in his complaint. We have included a list of the transaction activity with Uphold for the current month. The January 2025 bank statement is not yet available as the month is not yet over. Should Mr. ***** require any additional information;he can contact us at **************.Initial Complaint
Date:12/31/2024
Type: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 sent prove of my ID, Address and SSC by email to ******************* and I sent another email to ******************* asking why I still can't use card after showing proof my identification through email and why I haven't heard back from them. And it's 12/31/2024 My card is now deactivated and my account I believe is closed. My money is taken. I had 4k in there. It has been long enough and Im prepared to take action. :)Business Response
Date: 01/08/2025
We were unable to locate an account with the information provided on the complaint. We contacted Mr. ******* at the number in the complaint and left a voicemail. Mr. ******* will need to provide his account number for assistance.Initial Complaint
Date:12/30/2024
Type: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.
12/30/24 I recieved a debit card from card.com for which i never applied for. I tried several times to contact them letting them know this is fraud but i cannot get thru to them. they request my SS number and zip code but it says it doesnt match their records. my identity was stolen 2 years ago and i am trying to let them know this is fraud but i cant get thru. horrible system if you cant communicateBusiness Response
Date: 01/06/2025
On December 21, 2024, we received a request to open the Account. We verified the ** information that we were provided using a third-party service. The account was opened with the identification information provided. On December 21, 2024, during a review by CARDs risk team, the Account was closed because we suspected that there was identity theft. Based on the complaint and positive confirmation that Ms. ***** did not apply for the CARD ************ Account issued by Pathward, N.A, we have permanently closed the Account due to identity theft. A closure confirmation email was sent to the email listed on the complaint. Should Ms. ***** require any additional information she can contact us at **************.Customer Answer
Date: 01/06/2025
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** *****Initial Complaint
Date:12/23/2024
Type: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 have attempted numerous times to get into their website and app and chat see anything but white page that tells me nothing but (unknown Pathward card, and won't even tell me my account numbers,) on the app it just shows a picture of my debit card. Again no account information. I call them tried to explain to them I need this account closed. The first gal I spoke with hung up on me. The second one said she would close the account. I went into the app and the website afterwards and the app said the account is still active. I can't have money attempting to go to this account if I can't see anything on the app or website. Especially if I'm trying to track the money. I transferred my last *** to another account because of this issue and tried to find out why they were having this issue. And they couldn't get back to me. Nobody seems to like to answer questions. But have seen many times they will lock people's accounts. I'm trying to close this account. I don't need this happening when my survivor benefits get sent to this account and I can't access it because I can't see the account at all. That's why I called them.Business Response
Date: 01/06/2025
The account was closed at the customers request. A check for the remaining balance was processed, the customer can expect to receive the check within the next 21 business days.Customer Answer
Date: 01/06/2025
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
I was just made aware that they closed the account. As it was open up until this afternoon. I had called them last week even and they were not willing to close it. Took this afternoon to close the account.
Sincerely,
***** *****Initial Complaint
Date:12/22/2024
Type: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.
Like others, I also received an unsolicited debit card in the mail from this company which seems like fraud.Business Response
Date: 01/02/2025
On December 12, 2024, we received a request to open the Account. We verified the ** information that we were provided using a third-party service. The account was opened with the identification information provided. Based on the complaint and positive confirmation that Ms. ***** did not apply for the CARD ************ Account issued by Pathward, N.A, we have permanently closed the Account due to identity theft. A closure confirmation email was sent to the email listed on the complaint. We can confirm that CARD does not report to the credit bureau therefore there is nothing for CARD to correct. Should Ms. ***** require any additional information she can contact us at **************.Initial Complaint
Date:12/22/2024
Type: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 recently received a debit card in the mail from card.com. I did not order this or open an account with them. This is likely fraud and identity theft.Their contact information/phone number is automated and asks for SSN which I will not provide.Business Response
Date: 01/02/2025
We were unable to locate an account with the information provided on the complaint. We contacted the consumer and left a voicemail and have yet to receive a response. We will need the account number or address where the card was mailed to locate the account in question and close it for ID Theft.Initial Complaint
Date:12/11/2024
Type: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.
On 10/31/2024 I sent prove of my ID, Address and SSC by email to ******************* and on 11/9/2024 I sent another email to ******************* asking why I still can't use card after showing prove of my identification through email and why I haven't heard back from them. And it's 12/11/2024 My card is still locked.Business Response
Date: 12/17/2024
Ms. ****** account was blocked on August 23, 2024, verification documentation was required to reinstate the account. Documentation was received and reviewed on November 1, 2024, and November 11, 2024, but was insufficient to reinstate the account. An email response was sent to Ms. ***** advising her of the documentation still required to reinstate her account. We spoke to Ms. ***** on December 11, 2024,and advised her of the documentation still required to reinstate the account. Should Ms. ***** require any additional information she can contact us at *************.Initial Complaint
Date:12/05/2024
Type: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 received an unsolicited debit card in the mail on 12/05/2024. I did not apply for anything and did not open a card/account with this company. This is fraud and likely identity theft. There is no way to contact this company without providing full social security number, which I will not give in this case. This account needs to be closed immediately and I need to be contacted by someone from the company. I do not recommend anyone to use this company or trust them in any regard.Business Response
Date: 12/09/2024
On November 15, 2024, we received a request to open the Account. We verified the ** information that we were provided using a third-party service. The account was opened with the identification information provided. We attempted to contact Mr. ****** on December 6, 2024, but were unable to reach him. Based on the complaint and positive confirmation that Mr. ****** did not apply for the CARD ************ Account issued by Pathward, N.A, we have permanently closed the Account due to identity theft. Should Mr. ****** require any additional information he can contact us at **************.Initial Complaint
Date:12/02/2024
Type: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.
In November, I received a debit card in the mail for an account I did not open. I tried calling the support number, but it requests that I enter my full SSN, which I refuse to do. I would like for this fraudulent account to be closed immediately with confirmation that it is not mine and I am not liable for it.Business Response
Date: 12/05/2024
On November 7, 2024, we received a request to open the Account. We verified the ** information that we were provided using a third-party service. The account was opened with the identification information provided. Based on the complaint and positive confirmation that Ms. **** did not apply for the CARD ************ Account issued by Pathward, N.A, we have permanently closed the Account due to identity theft. A closure confirmation email was sent to the email listed on the complaint. Should Ms. **** require any additional information she can contact us at **************.
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