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:03/05/2024

  Type:Customer Service Issues
  Status:

  UnansweredMore 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 am not liable for this debt with Jasper Card, I do not have a contract with ******************** INV, they did not provide me with the original contract as i requested

• Initial Complaint

  Date:01/26/2024

  Type:Billing Issues
  Status:

  UnansweredMore 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 had a credit card with Jasper Credit Card. The credit card emailed me and said that they are discontinuing the card. They said that I need to continue to make the payments until it is paid off. I have been making payments for about a year. It seems like I should be paid off but they continue to take monthly payments from me. I try to contact them by phone and email. the phone has been disconnected. The email address is not valid. Every way I try to contact them to find out my balance fails. I don't want to send them any more money. What do I do

• Initial Complaint

  Date:06/09/2023

  Type:Customer Service Issues
  Status:

  UnansweredMore 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.

  My payment on this now closed jasper card is the 23rd of the month. I paid my February bill late and paid on 3/2 ( 7 days) and they reported to the credit bureau that my payment was 30 days late. They also reported I am 30 days late for June 2023. This is already showing on my credit report as of 6/6) when my June payment isnt even due u til the 23rd!! This issues have caused a significant drop in my credit score and they are not being reported honestly

• Initial Complaint

  Date:03/07/2023

  Type:Service or Repair 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.

  The company is reporting a 30 day last payment to my credit report for $5! I have reached out numerous times and non one can show me when there was a $5 payment that was over 30 days late. I want this removed from my credit report

  Business Response

  Date: 03/13/2023

  March 08, 2023
  
  ***********************
  ******************************************************************************
  
  Ref. No: 19553166
              Complaint of ***********************
  
  Dear ***********************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card.  The complaint was received by the Better Business Bureau (BBB) on March 07, 2023, and forwarded to Jasper by the BBB on March 07, 2023.  The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  

  The company is reporting a 30 day last payment to my credit report for $5! I have reached out numerous times and non one [sic] can show me when there was a $5 payment that was over 30 days late. I want this removed from my credit report.
  

  Your complaint includes the following desired settlement:
  
  Correction to a credit report

  
  On March 03, 2023, you reached out to Jasper with your concern regarding a $5 late payment which was showing as a past due amount reporting on at least one of your consumer credit reports from a Major Credit Bureau.

  
  After multiple emails between you and Jasper, your concern was escalated to a Customer Support Manager, whom on March 07, 2023, sent you a debt validation email that noted that noted:

  Your November statement was issued on December 1, 2022, with a balance of $861.64.  Interest charged was $13.25.  The minimum amount due on the statement was $31.  We received a payment attempt on the following date: December 23, 2022, for $31 - This payment was returned as Non-sufficient Funds (NSF) and therefore did not post. 

  Your December statement was issued on January 1, 2023, with a balance of $902.76.  Interest charged was $14.12.  The minimum amount due on the statement was $91.  Because no payment was received for the previous statement, a $27 late payment fee was applied.  We received a payment, from your account ending in ****, on the following date: January 6, 2023, for $31
         ??The $27 late payment fee was reversed on January 6, 2023, per your request.

  Your January statement was issued on February 1, 2023, with a balance of $885.98.  Interest charged was $14.26.  Because the previous payment did not meet the minimum requirement, a $27 late payment fee was applied.  The minimum amount due on the statement was $64.96 We received a payment attempt, from your account ending in ****, on the following date: January 23, 2022, for $885.98 - This payment was reversed, per your request via telephone to a Jasper customer support agent, and therefore did not post.  Also, per your request, the $27 returned payment fee that was automatically triggered was reversed.

  
  Total late fees applied were $0 as they were all reversed.  However, the account does still report as late to the three Major Credit Bureaus.  The amount that was past due each month is below:
  
         In December, your Past Due amount was $31
         In January, your Past Due amount was $32.96
         In February, your Past Due amount is $37.93
  
  Each months Past Due amount is included in the subsequent months Minimum Amount Due, which is listed on your statements, and accessible via the Jasper mobile application.
  
  Jasper maintains that we are indeed reporting correct and timely account information to all three major Credit Bureaus, as per the provisions set in the Fair Credit Reporting Act.  As such, we consider this matter closed.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB Consumer Response Center
  

• Initial Complaint

  Date:12/14/2022

  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 have reached out to JASPER/WEBBANK . They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. JASPER/WEBBANK you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!Account Number: ****************

  Business Response

  Date: 12/20/2022

  December 16, 2022
  
  ***********************
  1025 *********
  *******, ** 33010
  
  Ref. No: 18572055

  Complaint of ***********************
  
  Dear ***********************,
  
  Jasper is in receipt of your complaint relative to a Web****/Jasper credit card.  The complaint was received by the Better Business Bureau (BBB) on December 14, 2022, and forwarded to Jasper by the BBB on December 14, 2022.  The BBB has asked us to provide you with our response to your complaint.
  
  Web**** is the credit issuer for the Web****/Jasper Mastercard. Jasper is the banks servicer for the Web****/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:

  I have reached out to JASPER/WEBBANK . They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. JASPER/WEBBANK you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact. Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Account Number: ****************

  Your complaint includes the following desired settlement:
  Correction to a credit report
  
  Your account was opened in May 2021, and had been used, and paid upon, regularly prior to the account closure in August 2022.
  
  We have received multiple communications from you from you since your account opening, including those associated with the blocking of your credit card account, disputes of transactions, and a claim that you did not open an account with us.
  
  Specifically, after Jasper denied your transaction disputes, you proceeded to submit a claim that the application for the credit account was opened fraudulently.
  
  On November 16, 2022, Jasper denied your claim that the account was opened fraudulently for the following reasons:
  
         The address provided at the time of the bureau report matches the address you provided in your fraudulent account claim;
         The address provided at the time of the bureau report matches the address on your driver license your provided in your fraudulent account claim;
         The credit card was mailed to your address;
         The full name, SSN and DOB provided at the time of application matches the full name, SSN and DOB provided in your fraudulent account claim.
  
  Regarding your request now for a debt validation, please see the below:
  

  Debt Validation Summary of account
         Date Applied: 05/01/2021
         Date Agreed to Terms and Conditions of the Rewards Program and the Cardholder Agreement: 05/01/2021
         Date Approved: 05/01/2021
  

  Review:
  Your May statement was issued on June 1, 2021, with a balance of $2.23.  No interest was charged. We received payments, from your account ending in ****, on the following dates:
         June 13, 2021, for $538.73
         June 15, 2021, for $264.73
  Your June statement was issued on July 1, 2021, with a balance of $3,303.22.  No interest was charged.  No payments were received for this statement.
  
  Your July statement was issued on August 1, 2021, with a balance of $209.98.  No interest was charged.  You had $3,320.86 in disputed transactions for the month.  We received payments, from your account ending in ****, on the following dates:
         August 5, 2021, for $209.98
  Your August statement was issued on September 1, 2021, with a balance of $3,390.91. Interest charged was $70.05.  We received a payment attempt on September 25, 2021, but this payment was returned.
  Your September statement was issued on October 1, 2021, with a balance of $160.39.  No interest was charged.  A payment was returned for the previous month, so a $27 returned payment fee was applied. received payments, from your account ending in ****, on the following dates:
         October 4, 2021, for $160.39
  Your October statement was issued on November 1, 2021, with a balance of $0.  No interest was charged.  No payment necessary.
  Your November statement was issued on December 1, 2021, with a balance of $0.  No interest was charged.  No payment necessary.
         December 16, 2021, for $459.11
         December 28, 2021, for $242.13
  Your December statement was issued on January 1, 2022, with a balance of $0.  No interest was charged.  We received payments, from your account ending in ****, on the following dates:
         January 13, 2022, for $41.72
         January 22, 2022, for $50
  Your January statement was issued on February 1, 2022, with a balance of $3,437.99.  No interest was charged.  We received payments, from your account ending in ****, on the following dates:
         February 21, 2022, for $69
  Your February statement was issued on March 1, 2022, with a balance of $261.39.  Interest charged was $4.92.  You had $3,112.52 in disputed transactions for the month.  We received payments, from your account ending in ****, on the following dates:
         March 1, 2022, for $261.39
         March 30, 2022, for $700
  Your March statement was issued on April 1, 2022, with a balance of $3,165.20.  Interest charged was $59.68.  No payments were received for this statement.
  Your April statement was issued on May 1, 2022, with a balance of $3,257.25.  Interest charged was $65.05.  No payment was received for the previous month, so a $27 late payment fee was applied.  No payment was received for this statement.
  Your May statement was issued on June 1, 2022, with a balance of $3,354.07.  Interest charged was $69.82.  No payment was received for the previous month, so a $27 late payment fee was applied.  No payment was received for this statement.
  Your June statement was issued on July 1, 2022, with a balance of $3,425.86.  Interest charged was $44.79.  No payment was received for the previous month, so a $27 late payment fee was applied.  No payments were received for this statement.
  Your July statement was issued on August 1, 2022, with a balance of $3,500.15.  Interest charged was $47.29.  No payment was received for the previous statement, so a $27 late payment fee was applied.  No payment was received for this statement.
  Your August statement was issued on September 1, 2022, with a balance of $3,470.26.  No payment was received for the previous statement, so a $27 late payment fee was applied.  No payment was received for this statement.  No interest was charged as the account was charged off on August 31, 2022.
  Total late fees applied were $162.

  All payments made on your account were made with a **** of America account ending in **** that was verified via a third party (i.e., Plaid) as belonging to you through a full name match.

  Jasper maintains the assertion that we are indeed reporting correct and timely account information to all three major Credit Bureaus, as per the provisions set in the Fair Credit Reporting Act.  As such, we consider this matter closed.
  
  Sincerely,
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  cc: BBB Consumer Response Center

• Initial Complaint

  Date:11/11/2022

  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.

  THIS COMPANY VIOLATED MY CONSUMER RIGHTS, THEY VIOLATED OVER 10 FEDERALLY PROTECTED LAWS, FROM AN ADVERSE ACTION LETTER; AND ARE NOW HELD CIVILLY AND CRIMINALLY LIABLE AS A RESULT OF THEIR ACTIONS.28 ****************************************** IS A FEDERAL CORPORATION, IAM A CONSUMER OF ***************** FDCPA SATES IAM A NATURAL PERSON (15 USC 1692A(3)15 USC 1692A(3) I AM A NATURAL PERSON, A CONSUMER 15 USC 1692A(4) IAM THE ORGINAL CREDITOR ALL OTHERS AFTER ME ARE FRADULENT, MISLEADING & CONSIDERED 3RD PARTY 18 USC 8 MY BIRTH CERTIFICATE BELONGS TO ************* FEDERAL CORPORATION BUT ME AS I AM A NATURAL LIVING PERSON/CONSUMER CREDIT CARD IS DEFINED HERE AS WELL "ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICE EXISITING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT (EX: SSN #, DRIVERS ********** USC ******* OPEN END CREDIT PLAN... AFTER ****, THE GOV. AGREED TO ASSUME ALL LIABILITIES THAT ARISWE UNDER TRANSACTIONS USING YOUR CREDIT CARD; WHICH IS MY SOCIAL SECURITY CARD, (PURSUANT 18 USC 8) It is a Fact My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor. This company used my social security number to fund the consumer credit transactions (such as applying for a credit card/loan/financing) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been

  Business Response

  Date: 11/15/2022

  November 15, 2022
  
  *************************
  1408 ********************
  *******, ** 85042
  
  Ref. No: 18390273
  Complaint of *************************
  
  Dear *************************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card.  The complaint was received by the Better Business Bureau (BBB) on November 11, 2022, and forwarded to Jasper by the BBB on November 11, 2022.  The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  THIS COMPANY VIOLATED MY CONSUMER RIGHTS, THEY VIOLATED OVER 10 FEDERALLY PROTECTED LAWS, FROM AN ADVERSE ACTION LETTER; AND ARE NOW HELD CIVILLY AND CRIMINALLY LIABLE AS A RESULT OF THEIR ACTIONS. 28 **************************************** IS A FEDERAL CORPORATION, IAM A CONSUMER OF ***************** FDCPA SATES IAM A NATURAL PERSON (15 USC 1692A(3) 15 USC 1692A(3) I AM A NATURAL PERSON, A CONSUMER 15 USC 1692A(4) IAM THE ORGINAL CREDITOR ALL OTHERS AFTER ME ARE FRADULENT, MISLEADING & CONSIDERED 3RD PARTY 18 USC 8 MY BIRTH CERTIFICATE BELONGS TO ************* FEDERAL CORPORATION BUT ME AS I AM A NATURAL LIVING PERSON/CONSUMER CREDIT CARD IS DEFINED HERE AS WELL "ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICE EXISITING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT (EX: SSN #, DRIVERS LICENSE) 15 USC ******* OPEN END CREDIT PLAN... AFTER ****, THE GOV. AGREED TO ASSUME ALL LIABILITIES THAT ARISWE UNDER TRANSACTIONS USING YOUR CREDIT CARD; WHICH IS MY SOCIAL SECURITY CARD, (PURSUANT 18 USC 8) It is a Fact My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor. This company used my social security number to fund the consumer credit transactions (such as applying for a credit card/loan/financing) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been.
  

  Your complaint includes the following desired settlement:
  EXTEND CREDIT/APPROVE APPLICATION. PAY INVOICE OF ALL VIOLATIONS
  
  Your account was opened in June 2021, and had been used, and paid upon, regularly prior to the account closure in August 2022.
  
  During the application process, as well as with each use of the credit card, you agreed to the Cardholder Agreement of the credit card program, which explicitly states, You promise to repay all Purchases, Cash Advances, interest charges, fees, and any and all other charges whatsoever incurred on your Account.
  
  Please contact Jasper Customer Support at ********************************** or via the telephone number found on the back-side of your credit card should you need any assistance with making a payment on your account or have additional questions or concerns.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18390273
  
  I am rejecting this response because:
  
  This company is lying, I was denied credit and havent used any card of theirs. This company is civilly and criminally held liable due to breaking federal law. They attached no proof of anything. All lies.

  
  Sincerely,
  
  *************************

  Business Response

  Date: 11/17/2022

  November 17, 2022
  
  *************************
  1408 ********************
  *******, ** 85042
  
  Ref. No: 18390273
  Complaint of *************************
  
  Dear *************************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card.  The complaint was received by the Better Business Bureau (BBB) on November 11, 2022, and forwarded to Jasper by the BBB on November 11, 2022.  The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  THIS COMPANY VIOLATED MY CONSUMER RIGHTS, THEY VIOLATED OVER 10 FEDERALLY PROTECTED LAWS, FROM AN ADVERSE ACTION LETTER; AND ARE NOW HELD CIVILLY AND CRIMINALLY LIABLE AS A RESULT OF THEIR ACTIONS. 28 **************************************** IS A FEDERAL CORPORATION, IAM A CONSUMER OF ***************** FDCPA SATES IAM A NATURAL PERSON (15 USC 1692A(3) 15 USC 1692A(3) I AM A NATURAL PERSON, A CONSUMER 15 USC 1692A(4) IAM THE ORGINAL CREDITOR ALL OTHERS AFTER ME ARE FRADULENT, MISLEADING & CONSIDERED 3RD PARTY 18 USC 8 MY BIRTH CERTIFICATE BELONGS TO ************* FEDERAL CORPORATION BUT ME AS I AM A NATURAL LIVING PERSON/CONSUMER CREDIT CARD IS DEFINED HERE AS WELL "ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICE EXISITING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT (EX: SSN #, DRIVERS LICENSE) 15 USC ******* OPEN END CREDIT PLAN... AFTER ****, THE GOV. AGREED TO ASSUME ALL LIABILITIES THAT ARISWE UNDER TRANSACTIONS USING YOUR CREDIT CARD; WHICH IS MY SOCIAL SECURITY CARD, (PURSUANT 18 USC 8) It is a Fact My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor. This company used my social security number to fund the consumer credit transactions (such as applying for a credit card/loan/financing) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been.
  

  Your complaint includes the following desired settlement:
              EXTEND CREDIT/APPROVE APPLICATION. PAY INVOICE OF ALL VIOLATIONS
  
  In your Complaint Rebuttal to Jaspers original response dated November 15, 2022, you state:
  
              I am rejecting this response because:
  
  This company is lying, I was denied credit and havent used any card of theirs. This company is civilly and criminally held liable due to breaking federal law. They attached no proof of anything. All lies.
  
  After an additional review of your complaint, we regret to inform you that that we provided you incorrect information in our original response dated November 15, 2022.
  
  Our records show that you applied for a Jasper Mastercard on December 11, 2020.  On December 11, 2020, your application was declined, and a general Notice of Adverse Action was sent to you giving you rationale for the declining of the application, specifically your Consumer Credit Score that we obtained from TransUnion at the time of your application was 568, which did not meet the minimum credit score requirement under our Credit Policy.
  
  For your reference, we are including a copy of the original Notice of Adverse of Adverse Action with this response.
  
  On August 9, 2022, all Jasper Cash Back Mastercard accounts were closed, and the entire program discontinued.  As such, we cannot reconsider your application, nor offer you any other credit products.
  
  We consider this matter closed at this time.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB Consumer Response Center

  Customer Answer

  Date: 11/17/2022

   
  Complaint: 18390273
  
  I am rejecting this response because:
  OFFER REJECTED NOTICE
  
  Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name **** *********************, and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will d/b/a ************************* and autograph as the agent, attorney in fact, so be it;
  
  Application means: Application, A putting to, placing before, preferring a request or petition marking a request for something. A petition, The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some correction, as the application of a rule or principal to a case or fact. An appeal or petition, especially some correction; as the application of a rule or principal to a case or fact. An appeal or petition, especially as written or presented; a putting to, placing before; Preferring a request or petition to or before a person; the act or making a request for something. 
  
  Means: for purposes of this part, an application for a loan, or other service is as defined in Regulation C, 12 CFR *****. In CFR This correspondence is in required to the application requesting increase submitted on            
                             reference no./application #                        . Which an adverse action letter was received                ; the adverse action offer is here by rejected; credit application is a financial asset (12 CFR 360.6(2)) as well as a self-liquidating paper (17 CFR 260.11b-6)). Said adverse action is in violation of the following: 17 CFR  240.10b-1, ** ************************* (a)(3), 18 USC 241, 18 ************************ a(k)(1), ** ***************************************************, ** ******************************** f&p, ** ************************* (a), ** U.S.C ****n.
  
  Adverse action:  Pursuant ** USC ****a(k)(1) (1) Actions included . The term adverse action (A) has the same meaning as in section 1691(d)(6) of this title ; and (B) means (i) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance; (ii) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee; (iii) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section ****b(a)(3)(D) of this title ; and (iv) an action taken or determination that is (I) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section ****b(a)(3)(F)(ii) of this title ; and (II) adverse to the interests of the consumer.  The meaning of Adverse, is oppose to, having adversity, contrary interests, showing ill will, desire too hard.                                     had ill will towards me because I have an open-end credit plan, I have the power as the originator of credit.                                 was adverse against me, originating and extending myself credit.  When your company pulled from my credit plan (SSN #), you benefited from it and got what you wanted, but I did not; I was denied credit.
  
  Reconsideration/Credit Approval: Open end consumer credit card (** U.S.C. ****(m)) with maximum allowable by the applicable law (** USC ****(j)). Balance will be zeroed on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement, instrument is a non-cash item (12 CFR ***** (k)). Once it is available. Denial based on credit worthiness or information gathered from my consumer credit report is discrimination as well as a direct violation of federal law; and                                            is now held civilly and criminally liable for willfully and knowingly failing to disclose information required under the provisions. Invoice for all federal laws in violations from                                         must be paid in full.
  
  
  Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present:
  
  It is a Fact that affiant is the only natural person with firsthand competent knowledge of the facts of this transaction.
  
  It is a Fact that ***************** is defined as a federal corporation pursuant 28 U.S.C **** #**A, which makes me a consumer of *****************.
  
  It is a Fact Pursuant ** USC ****a (3) The term consumer means any natural person obligated or allegedly obligated to pay any debt. I **** ********************* am the consumer. 
  
  It is a Factis inviolation Pursuant ** USC ****a(4)The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I **** *********************, am the original creditor, all others after me are fraudulent and misleading and are considered 3rd party.
  
  It is a Fact that affiant is a consumer as defined in the Fair Debt Collection Practices Act specifically ** U.S.C **** a (3) because affiant is a natural person.
  
  It is a Fact Pursuant 18 USC 8, my birth certificate belongs to ***************** Corporation, but not me as a living natural person. Iam a consumer of *****************. Pursuant The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
  
  It is a Fact                                 is in violation Pursuant ** USC ****(j) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan  or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. After ****, the government agreed to assume all liabilities that arise under transactions using your credit card; which is my Social Security Card, pursuant to 18 U.S.C 8.
  
  It is a Fact, I *************************, am the original creditor, all others after me are fraudulent and misleading and are considered 3rd party,                                is in violationpursuant ** U.S.C **** a (4).
  
  It is a Fact  My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor                                  used my social security number to fund the consumer credit transactions (such as applying for a credit card/loan/financing) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been reached because its paid through the federal reserve. My social security card is a credit card, Iam the original creditor. With this being true Iam deferring the obligation back to *****************. Pursuant 18 USC 8, as a consumer of ***************** you cannot defer the loan/credit card/finance charge balance back to me.                            did not disclose this to me, this is deceitful,                                    is in violation.
  
  It is a Fact the role of a bank is not to extend credit or loans. Banks are BORROWERS; extenders of credit, they are elaborate mechanisms, and                                     is in violation oftheConsumer Credit Protection Act and the Truth in Lending Act Pursuant ** U.S.C ****(g) The term creditor refers only to a person who both (1) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and (2) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637(a)(5), 1637(a)(6), 1637(a)(7), 1637(b)(1), 1637(b)(2), 1637(b)(3), 1637(b)(8), and 1637(b)(10) of this title, the term creditorshall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection (aa) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditorincludes a private educational lender (as that term is defined in section **** of this title) for purposes of this subchapter. 
  
  It is a Fact                                           is in violationPursuant to ** U.S Code **** (d) Consumer reports means any written, oral or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or collected in whole or in part for the purpose of serving as a factor in establishing the consumers for 
  
             (A) credit or insurance to be use primarily for personal, family or household purposes.
  
             (B) employment purposes; or
  
             (C) any other purpose authorized under section **** b of this title.
  
             Talking/ oral communication is a consumer report. 
  
  
  It is a Fact not one of the credit reporting bureaus are actual government entities/agencies, credit bureaus like Equifax, TransUnion, and Experian arent owned, managed, or otherwise controlled by the federal government pursuant ** U.S.C ****(d). At a fundamental level, all credit bureaus operate as private, for-profit companies.
  
  It is a Fact                                       is in violationPursuant to ** U.S Code **** (3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The three main credit reporting bureaus have assumed the vital role of speaking for me, and about me. I assume the vital role over my life and Im going to give you an oral report about What Im going to do with my credit. Im giving an oral report pursuant of ** U.S Code **** #3, pursuant of federal law.
  
  It is a Fact that                                      and all  of the credit reporting bureaus are in violationof what has been reported on my credit report and the following subsection of the ***** ** USC ****. I want to make it clear to                                    and the credit reporting agencies, and those in the position of authority that congress makes it clear that the banking system is dependent upon my consumer reports being fair and accurate to me. Pursuant to ** USC ****(a)(1). Pursuant to ** USC ****(a)(2)congress made it clear that these credit reporting bureaus are elaborate mechanisms with no real standing and authority. 
  
  It is a Fact                                             is in violationPursuant to ** USC ****(a)(3) these credit reporting agencies were not given this role. They assumed this vital role and because of their assumption it has negatively affected my life and those around me especially during the pandemic, causing me severe hardship, mental anguish, anxiety and depression. Because of them assuming this vital role it makes my life so much harder, look how difficult it is to get a loan or grants due to incorrect, unauthorized, fraudulent, and illegal reporting on my credit report. The FCRA Fair Credit Reporting Act never mentions a denial of credit, only being denied for insurance or employment. 
  
  It is a Fact Pursuant to ** USC ****(a)(4) the credit reporting bureaus were unfair in reporting this erroneous information without consulting with me the consumer. They have no proof that those transactions ever took place.  They were also impartial because they allowed information to be reported while only hearing one side of the story. They also infringed upon my rights to privacy by having a conversation orally about me to third parties and reporting this info as a result of that third party I am demanding that this information be removed as soon as possible from all credit reporting agencies/bureaus, and Ive already notified them. Pursuant to ****(a)(b) the credit bureaus did not meet the needs of commerce because this was not fair and equitable to me. This info is not accurate, nor is it relevant, but false info not properly utilized in a manner that was unfair an equitable to me. These transactions on my credit report shouldve been confidential, so in fact                                 and the credit bureaus have betrayed my confidence. This is a violation of **** a (d)(2)(A)(i)
  
  It is a Fact                                             is in violationpursuant ** **** U.S.C f &p both state credit is my RIGHT and I cant be denied a right. The term creditor, states someone who regularly extends credit and credit is the RIGHT, granted by a natural person meaning Im the original creditor!
  
  It is a Fact that company procedure does not supersede federal law.                                  Is in direct violationof my rights as a consumer ** U.S.C ****(f) tells me credit is my right. I cannot be denied a RIGHT. ** U.S.C **** makes it clear that you committed fraud and used my credit card without authority, and I received no benefit. ** U.S.C ****(a)(3) makes it clear I cannot be discriminated against for exercising my rights.
  
   It is a Fact that                            is in violationof ** U.S.C 1691(a) Equal Credit Opportunity Act, it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. It is illegal to base off credit, it leads to discrimination and misrepresentation. 
  
   It is a Fact that Im exercising my rights under any/all of these chapters, I CANNOT be discriminated against;                                  discriminated against me whether willfully or knowingly, this is a violation.
  
  It is a Fact that                                             is in violationpursuant ** U.S. Code ****n - Civil liability for willful noncompliance
  
  (a) In general
  
  Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
  
  (1)
  
  (A)any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
  (B)in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
  
  (2)such amount of punitive damages as the court may allow; and
  (3)in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
  
  (b)Civil liability for knowing noncompliance
  Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.
                                        willfully and knowing failed to provide/disclose information required under the provisions and are now in violation.                              is civilly liable for violating my consumer rights.
  
  It is a Fact                          is in violation pursuant ** U.S. Code **** - Criminal liability for willful and knowing violation.
  Whoever willfully and knowingly
  (1)gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder,
  (2)uses any chart or table authorized by the Bureau under section **** of this title in such a manner as to consistently understate the annual percentage rate determined under section ****(a)(1)(A) of this title, or
  (3)otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than $5,000 or imprisoned not more than one year, or both.
                                       willfully and knowingly failed to provide/disclose information required under the provisions and are now in violation.                              is criminally liable for violating my consumer rights.
  
  
  Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for fianc charge and paying the attached invoice for all violations. To dishonor this counteroffer must be received within 5 calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore*
  
  This is your opportunity to cure as well as your notice of default for the servicing of the credit application.
  
  You meaning                                             and any of its agents, affiliates, subsidiaries, assignees, ect... May NOT contact me by any means other than written correspondence. Failure to comply may result in billing.
  
  Legal proceedings may be enacted if dishonored.
  
  Notice to agent is notice to principal
  Notice to principal is notice to agent
  
  By Accommodation: Without Resources 
  
  I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it.
  
  
  
  
  
  THIS COMPANY VIOLATED MY CONSUMER RIGHTS, THEY VIOLATED OVER 10 FEDERALLY PROTECTED LAWS, FROM AN ADVERSE ACTION LETTER; AND ARE NOW HELD CIVILLY AND CRIMINALLY LIABLE AS A RESULT OF THEIR ACTIONS.
  
  28 USC **** #**A   ************* IS A FEDERAL CORPORATION, IAM A CONSUMER OF *****************
  FDCPA SATES IAM A NATURAL PERSON (** USC ****A(3)
  ** USC ****A(3) I AM A NATURAL PERSON, A CONSUMER 
  ** USC ****A(4)   IAM THE ORGINAL CREDITOR ALL OTHERS AFTER ME ARE FRADULENT, MISLEADING & CONSIDERED 3RD PARTY
  18 USC 8  MY BIRTH CERTIFICATE BELONGS TO ************* FEDERAL CORPORATION BUT ME AS I AM A NATURAL LIVING PERSON/CONSUMER CREDIT CARD IS 
                   DEFINED HERE AS WELL "ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICE EXISITING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, 
                   LABOR, OR SERVICES ON CREDIT (EX: SSN #, DRIVERS LICENSE)
  ** USC ******* OPEN END CREDIT PLAN... AFTER ****, THE GOV. AGREED TO ASSUME ALL LIABILITIES THAT ARISWE UNDER TRANSACTIONS USING YOUR CREDIT 
                            CARD; WHICH IS MY SOCIAL SECURITY CARD, (PURSUANT 18 USC 8) It is a Fact  My social security card is considered a credit card, and it is connected to an account at the federal reserve/gov. and trust, that has millions and millions of dollars on my behalf and the alleged creditor. This company used my social security number to fund the consumer credit transactions (such as applying for a credit card/loan/financing) and made me think they loaned it to me. But any transaction Ive done has already been approved and paid for. I cant be in the negative, its impossible to pay on a positive balance. There is already insurance on me from the government when we have alleged debt, once a credit application is ran through the system and whether approved or denied or a default, the company gets paidI already satisfied loan/leasing/financing and/or credit card eligibility and the maximum loan/credit amount I can receive is uncapped and has not yet been reached because its paid through the federal reserve. My social security card is a credit card, *** the original creditor. With this being true Iam deferring the obligation back to *****************. Pursuant 18 USC 8, as a consumer of ***************** you cannot defer the loan/credit card/finance charge balance back to me. This company did not disclose this to me, this is deceitful, they are in violation.
  
  ** USC ****(G)    the role of a bank is not to extend credit or loans. Banks are BORROWERS; extenders of credit, they are elaborate mechanisms, and this company                              i 
                                 is in violation of the Consumer Credit Protection Act and the Truth in Lending Act.
  ** USC ****(D)     It is a Fact this company is in violation Pursuant to ** U.S Code **** (d) Consumer reports means any written, oral or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or collected in whole or in part for the purpose of serving as a factor in establishing the consumers for 
  
             (A) credit or insurance to be use primarily for personal, family or household purposes.
  
             (B) employment purposes; or
  
             (C) any other purpose authorized under section **** b of this title.
  
             Talking/ oral communication is a consumer report. 
  
             It is a Fact not one of the credit reporting bureaus are actual government entities/agencies, credit bureaus like Equifax, TransUnion, and Experian ***** owned, managed, or 
             otherwise controlled by the federal government pursuant ** U.S.C ****(d). At a fundamental level, all credit bureaus operate as private, for-profit companies.
  
  ** USC **** (3)   Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The three main credit reporting bureaus have assumed the vital role of speaking for me, and about me. I assume the vital role over my life and Im going to give you an oral report about What Im going to do with my credit. Im giving an oral report pursuant of ** U.S Code **** #3, pursuant of federal law.
  
  ***** ** USC ****    all  of the credit reporting bureaus are in violation of what has been reported on my credit report and the following subsection of the ***** ** USC ****. I want to make it clear to this company and the credit reporting agencies, and those in the position of authority that congress makes it clear that the banking system is dependent upon my consumer reports being fair and accurate to me. Pursuant to ** USC ****(a)(1). Pursuant to ** USC ****(a)(2) congress made it clear that these credit reporting bureaus are elaborate mechanisms with no real standing and authority. 
  
  ***** ** USC ****(A)(3)    This company is in violation Pursuant to ** USC ****(a)(3) thes
  
  
  
  
  EXTEND CREDIT/APPROVE APPLICATION. PAY INVOICE OF ALL VIOLATIONS
  

  An adverse action/letter declining credit is a violation of the federal law to me as a consumer in ***************** 

  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:11/01/2022

  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 had a Jasper Master card back in September 2022 they discontinued their Mastercard'sprogram they did not report this information to any of the credit beau's and canceled my account which was paid in full at that time, the credit ****'s listed this as a closed account and my scores went down 30 points

  Business Response

  Date: 11/04/2022

  November 04, 2022
  
  *****************************
  43 *********
  ********, ** 60162
  
  Ref. No: 18328166
  Complaint of *****************************
  
  Dear *****************************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card. The complaint was received by the Better Business Bureau (BBB) on November 11, 2022, and forwarded to Jasper by the BBB on November 13, 2022. The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  I had a Jasper Master card back in September 2022 they discontinued their Mastercard'sprogram [sic] they did not report this information to any of the credit beau's [sic] and canceled my account which was paid in full at that time, the credit beau's [sic] listed this as a closed account and my scores went down 30 points.
  The decision to close a credit card program is never an easy one, and not one that was not made lightly. 
  
  Your account, as well as all accounts of cardholders not based in states that require a notice period, was closed on August 9, 2022.
  
  This program closure was reported to the three Major Credit Bureaus early in September, 2022, as part of our monthly reporting to all three Major Bureaus, with your account reported as Closed By Issuer.  Your account was also reported as having a $0 balance, as you state in your complaint.
  
  Regarding your concerns on how this affected your Consumer Credit Score with ***********, Credit Scores are impacted by a variety of factors, and we are unable to speak to what impact this account closure had on your individual credit score.  If you have questions regarding your individual credit scores, or the calculations thereof, we encourage you to contact the credit reporting agencies directly.  
  
  TransUnion phone number: **************
  
  Equifax phone number: **************
  
  Experian phone number: **************
  
  Again, we thank you for being a part of the JasperCard journey.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB ************************

  Customer Answer

  Date: 11/04/2022

  Not sure I believe them, when I spook to them concerning my issue their response was that it was my responsibility to motify the credit bureaus. Not only that why did my score reduced do to them closing my account.  Closed accounts always have a negative impact on your credit score.

   

  Business Response

  Date: 11/08/2022

  November 08, 2022
  
  *****************************
  43 *********
  ********, ** 60162
  
  Ref. No: 18328166
  Complaint of *****************************
  
  Dear *****************************,
  
  Jasper is in receipt of your complaint rebuttal relative to a WebBank/Jasper credit card. The rebuttal was received by the Better Business Bureau (BBB) on November 7, 2022, and forwarded to Jasper by the BBB on November 7, 2022. The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your rebuttal, you state:
  
  Not sure I believe them, when I spook [sic] to them concerning my issue their response was that it was my responsibility to motify [sic] the credit bureaus. Not only that why did my score reduced do [sic] to them closing my account.  Closed accounts always have a negative impact on your credit score.
  
  We have reviewed the call recording from your conversation with one of our representatives.  At no time did our representative ask you to notify any/all major credit bureaus regarding the closure of the Jasper credit card program.  We apologize for any confusion or misunderstanding.
  
  Again, all major credit bureaus were notified by Jasper in early September of the program closure through the reporting of account closures of all credit cards associated with the program.
  
  Regarding your concerns on how this affected your Consumer Credit Score with ***********, Credit Scores are impacted by a variety of factors, and we are unable to speak to what impact this account closure had on your individual credit score.  If you have questions regarding your individual credit scores, or the calculations thereof, we encourage you to contact the credit reporting agencies directly.  
  
  TransUnion phone number: **************
  
  Equifax phone number: **************
  
  Experian phone number: **************
  
  Again, we thank you for being a part of the JasperCard journey.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB ************************

  Customer Answer

  Date: 11/08/2022

   
  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:10/04/2022

  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.

  The business abruptly closed my account. I attempted to have a conversation with them but they just sent me a payment address. When they first pitched the credit card account, they stated that they wanted a long term relationship. Now I have to go through the trouble of opening a new account and transferring the balance.A total inconvenience and waste of time.

  Business Response

  Date: 10/06/2022

  October 06, 2022
  
  ***********************
  105 ********************
  ***********, ** 29445
  
  Ref. No: 18166339
              Complaint of ***********************
  
  Dear ***********************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card. The complaint was received by the Better Business Bureau (BBB) on October 04, 2022, and forwarded to Jasper by the BBB on October 05, 2022.  The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  The business abruptly closed my account. I attempted to have a conversation with them, but they just sent me a payment address.  When they first pitched the credit card account, they stated that they wanted a long-term relationship.  Now I have to go through the trouble of opening a new account and transferring the balance.  A total inconvenience and waste of time.
  Your complaint provides a desired settlement of: Billing Adjustment
  The decision to close a credit card program is never an easy one, and not one that was made lightly.
  
  On October 1, 2022, Jasper received an email from you with the following message:
  
              Hello,
  I see that my account has been cancelled.  I am no longer able to make the required payments.  Is there some type of assistance available before I turn this over to credit account negotiations.
  
  Thank you,
  
  ***********************
  
  On October 3, 2022, Jasper replied with a message that payments can still be made via the Jasper mobile app of via check or money order.  Jasper provided you instruction on how to make a payment online via the app and included the physical address to which to remit payments.  Currently there is not a program in place to assist those who cannot make their minimum payment. 
  
  On October 3, 2022, Jasper received a reply to the above email with the following:
  
  Thank you for your response.  If this is the standard answer to my request, then I have been given no choice but to launch a negative social media campaign against Jasper effective immediately.  This will cause a definite financial impact to your company.
  
  Thank you again for your time,
  
  ***********************
  
  Jasper is continuing to adhere to the Fair Credit Reporting Act, and actively, and accurately, reporting your account balance, payment history, and other applicable information.
  
  Note that (A) you remain responsible for paying any amounts owed on your Jasper credit card, and that (B) payments can still be made via the Jasper mobile app or via check or money order.
  
  No billing adjustment will be made at this time.
  
  For reference, copies of the email exchanges between you and Jasper will be provided, along with this response, to the Better Business Bureau.
  
  Again, we thank you for being a part of the JasperCard journey.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB ************************

  Customer Answer

  Date: 10/06/2022

   
  Complaint: 18166339
  
  I am rejecting this response because:
  Issues are not satisfactory addressed.
  Sincerely,
  
  ***********************

  Business Response

  Date: 10/07/2022

  October 07, 2022
  
  ***********************
  105 ********************
  ***********, ** 29445
  
  Ref. No: 18166339
              Complaint of ***********************
  
  Dear ***********************,
  
  Jasper is in receipt of your complaint rebuttal relative to a WebBank/Jasper credit card.  The complaint rebuttal was received by the Better Business Bureau (BBB) on October 06, 2022, and forwarded to Jasper by the BBB on October 06, 2022.  The BBB has asked us to provide you with our response to your complaint rebuttal.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard.  Jasper is the banks servicer for the WebBank/Jasper Card Account.  Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint rebuttal, you state:
  
  I am rejecting this response because:
  Issues are not satisfactory addressed.
  Sincerely,
  ***********************

  Your initial BBB complaint provided a desired settlement of a Billing Adjustment, while your email to Japser prior to the BBB complaint requested assistance to make the required payments.

  As stated in our initial reply to your BBB complaint, there is not a program in place to assist those who cannot make their minimum payment.  In addition, no billing adjustment will be made at this time.
  
  Again, we thank you for being a part of the JasperCard journey, and consider this matter closed.
  
  Sincerely,
  
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB Consumer Response Center

  Customer Answer

  Date: 10/07/2022

   
  Complaint: 18166339
  
  I am rejecting this response because:
  Unacceptable 
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:08/13/2022

  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 received an email on August 9th at 3:10am saying that all accounts were being closed and that were expected to still pay the balances. Im afraid that this will have a huge impact on my credit score and Im needing information on how this will effect my score/ how Im viewed when applying for credit. Ive been working very hard to build my score up this year and I dont want to be effected by this companys short comings. Please help me!

  Business Response

  Date: 08/15/2022

  August 15, 2022
  
  ***************************
  10003 *********
  ************, ** 63074
  
  Ref. No: 17713111
              Complaint of ***************************
  
  Dear ***************************,
  
  Jasper is in receipt of your complaint relative to a WebBank/Jasper credit card. The complaint was received by the Better Business Bureau (BBB) on August 13, 2022, and forwarded to Jasper by the BBB on August 13, 2022. The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your complaint, you state:
  I received an email on August 9th at 3:10am saying that all accounts were being closed and that were expected to still pay the balances. Im afraid that this will have a huge impact on my credit score and Im needing information on how this will effect [sic]my score/ how Im viewed when applying for credit. Ive been working very hard to build my score up this year and I dont want to be effected [sic]by this companys short comings. Please help me!
  The decision to close a credit card program is never an easy one, and not one that was made lightly.
  
  Jasper is continuing to adhere to the Fair Credit Reporting Act, and actively, and accurately, reporting your account balance, payment history, and other applicable information.
  
  Note that (A) you remain responsible for paying any amounts owed on your Jasper credit card, and that (B) payments can still be made via the Jasper mobile app or via check or money order.  As stated above, this information is still being reported to the Bureaus.
  
  Regarding your concerns on how this will affect your Consumer Credit Score with the Bureaus, Credit Scores are impacted by a variety of factors, and we are unable to determine what impact this may have on your individual credit score.  If you have questions about how your credit score may be impacted, we encourage you to contact the credit reporting agencies directly.  
  
  TransUnion phone number: **************
  
  Equifax phone number: **************
  
  Experian phone number: **************
  
  Again, we thank you for being a part of the JasperCard journey.
  
  Sincerely,
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  cc: BBB ************************

  Customer Answer

  Date: 08/15/2022

  I would like to know will my account be reported to the credit bureau as closed? Im not understanding how Jasper will still report to the credit bureau on an account that is closed. Also, has the credit bureau been made aware that the accounts are being closed due to the lenders?

  Business Response

  Date: 08/16/2022

  August 16, 2022
  
  ***************************
  10003 *********
  ************, ** 63074
  
  Ref. No: 17713111

  Complaint of ***************************
  
  Dear ***************************,
  
  Jasper is in receipt of your complaint response rebuttal relative to a WebBank/Jasper credit card. The rebuttal was received by the Better Business Bureau (BBB) on August 15, 2022, and forwarded to Jasper by the BBB on August 15, 2022. The BBB has asked us to provide you with our response to your complaint.
  
  WebBank is the credit issuer for the WebBank/Jasper Mastercard. Jasper is the banks servicer for the WebBank/Jasper Card Account. Jasper Card accounts are general-purpose credit cards issued to consumers.
  
  In your rebuttal, you state:

  I would like to know will my account be reported to the credit bureau as closed? Im not understanding how Jasper will still report to the credit bureau on an account that is closed. Also, has the credit bureau been made aware that the accounts are being closed due to the lenders?

  
  Your account will be reported as Closed by Issuer beginning the end of August 2022 the first month Jasper will report that the program is closed to the three Major Credit Bureaus.
  
  When an account is Closed by Issuer, the balance on the account, payments made on the account, and whether the account is current or past due are all still reported, which is why it is important to continue to make payments on or before the due date each month.
  
  We hope this clarifies your concerns, and again, we thank you for being a part of the JasperCard journey.
  
  Sincerely,
  
  
  *********************
  Chief Compliance Officer
  Jasper
  
  
  
  cc: BBB Consumer Response Center