Complaints

This profile includes complaints for MasterCard International's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  MasterCard

  2000 Purchase St Purchase, NY 10577-2405

• 

  MasterCard International

  2999 Oak Rd # 1020 Walnut Creek, CA 94597-1983

• 

  Pearl Card Gold Mastercard

  P.O. Box 23065 Columbus, GA 31902

• 

  MasterCard Canada

  600 - 121 Bloor Street E Toronto, ON M4W 3M5

• 

  Finicity

  434 W Ascension Way Ste 200 Murray, UT 84123

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:06/17/2024

  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.

  I purchased a custom product through my BOA mastercard August of last year from a vendor. I used my credit card due to protections in place when there are companies that are not legit. I ordered a custom mirror over 2100 dollars for client. When the 16 week time frame came and the vendor stopped responding I contacted my bank which was *** who told me I was passed the 60 days to notify them. This is absurd, when my knowledge of the company not fulfilling their goods for service was considerable passed that 60 days. Why in the world would we use a credit card when we are not protected from scam companies? That is the whole purpose. The bank put it back on Mastercards policy....Mastercard should do their due diligence to insure that the companies they allow to charge the public for goods are actual legitimate companies. Not this trying to defraud the public. Here is the company advertising online , letter I sent to the bank, and email correspondence with the vendor West Mirrors. Whose site now is down.

  Business Response

  Date: 06/18/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. Additionally, Mastercard does not have jurisdiction over merchant business practices, the agreements are between merchants and their acquiring bank/processor.
  

• Initial Complaint

  Date:06/12/2024

  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.

  Mastercard issued me credit card through *********. The card was compromised by a company called Underdog Fantasy for a total of $8500 + interest. When I asked Barclays about to remove the fraud charges, they did for 2 months and put them back on. They have been impossible to work with, but Mastercard clearly stated that I was 100% protected from fraud charges if I agreed to use this particular card. I need Mastercard to contact Barclays to hold their end of the bargain as ********* is trying to stick me with this giant fraud bill that is truly adding up with interest and fees. I am not paying it as instructed by Mastercard.

  Business Response

  Date: 06/13/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account and transaction data, initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. Regarding disputes, Mastercard provides rules to issuing and acquiring banks to assist in the dispute process and filing disputes, but banks make the final decision based on the information provided and review of the chargeback rules,not Mastercard. The consumer should reconnect with Barclays for any inquiries related to the transaction dispute. 

• Initial Complaint

  Date:06/10/2024

  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.

  Bought $100 master gift card from Kroger 8745 s ******* indianapolis in ********** on 4/19/24. Called kroger but they said money was already transfer to master card and could not help. Called the number on back of card to get an AI and could not get to a rep to discuss. On 4/30 ***********. There is a transaction on 4/30 but I did not use it. It happen to show a transaction on the same day I called. I would like a refund. I did call other master card numbers but they said they didnt service that card.

  Business Response

  Date: 06/11/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account and transaction data, initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. The consumer should contact the financial institution or bank where the card was issued for assistance. The phone number provided in the consumer's complaint ************) lists a website that can be visited for self service as well. 

• Initial Complaint

  Date:05/20/2024

  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.

  I purchased a digital Amazon gift card through the MasterCard reward program offered through my bank, CEFCU. Upon purchase, I was informed that the digital gift card can take anywhere from ***** hours to receive. When I called and spoke to a customer service representative, they informed me that I had agreed to the terms of waiting ***** hours. Upon examination of the terms, there is no timeframe of any kind listed under the terms of receiving the digital gift card. I would not have purchased the digital gift card had I known that I would have to wait for a third party to complete the transaction, as time is of the essence for the transaction I am looking to make with the gift card. I am unable to refund these points. I have completed my end of my contract with MasterCard Rewards, and am being forced to wait on the digital gift card with no notice of such wait. Other rewards programs I have utilized in the past are explicit on the terms of how long until it is received.

  Business Response

  Date: 05/21/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  The consumer should reach out to CEFCU ********************** for assistance with Terms and Conditions of the rewards program. 

• Initial Complaint

  Date:05/16/2024

  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.

  A credit card company the hoes under the Destiny. Has been sending out credit cards and damaging people credit. Its is a scam. Theyll give you a credit card and let you make one transaction. After that the card declines. You call customer service and they tell you that the card is blocked and placed in the high risk category. After that they tell you to wait 24 before making a purchase which is non sense because you literally cant because the card is BLOCKED! So you have a hard inquiry and a credit card that has a $175 a month charge. Useless and does more damage that good.

  Business Response

  Date: 05/21/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not issue cards directly to consumers. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn issue cards and acquire cardholders. The consumer should contact the financial institution or bank where the card was issued for assistance. Typically, there will be a phone number on the back of the card where they can contact customer service. 

• Initial Complaint

  Date:05/08/2024

  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.

  I mailed a check from *********************** (a third party that I used to take out a personal loan to consolidate my credit card debt into that one loan). This check was mailed on 4/16/2024 & was for $1189.01. I called Barclays Carnival Mastercard customer service on multiple occasions, once every couple of days to see if they received my check. Every time, the answer was no. Yesterday 5/72024, I called ***************** to see if they could give me a new check to mail because clearly the original was lost. This is when I was informed by ***** at *********************** that this check was cashed / deposited by Barclays Carnival Mastercard on 4/22/2024. The payment has yet to post to my account. I am now facing late fees. Receiving multiple phone calls a day from Barclays because my payment is past due, & my credit score has TANKED. It is usually in the 730s or above, IT HAS DROPPED TO 593 AT ONE POINT & IS NOW ONLY IN THE 630s. Barclays response is that they will investigate, but it will take 1 to 2 billing cycles (***** days). I then reiterated to them that I am leaving to go on a Carnival Cruise on May 19th 2024, & I need this card up & running BY THEN, to which their response was well you can make a minimum payment of $80 to get the card activated again & no longer overdue. I am also ending my lease with my current landlord, my lease ends July 31st 2024, so I cannot afford for my credit score to be destroyed by this company when I am actively trying to find a new place to live. Barclays did give me a case ID# which is: **********

  Business Response

  Date: 05/09/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn acquire cardholders and manage their accounts. Any concerns related to account billing/fees should be directed to the issuing bank for assistance. 

• Initial Complaint

  Date:05/07/2024

  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.

  I have a mastercard gift card that I got as part of a ***** lite beer rebate. There is a pending charge on my card for $27 that is holding up my funds so I can't use the balance. It needs to be cleared by mastercard. It is 1.5 months old and nobody is doing anything about it. I have emailed them at least 15 times trying to get the transaction removed from my card and all I get back are scripted responses. Nobody takes the time to thoroughly read the issue and resolve it. I need this pending charge to be cleared ASAP as the card expires in a month.

  Business Response

  Date: 05/09/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn acquire cardholders and manage their accounts. Please have the consumer contact the financial institution or bank where the card was issued for assistance. Typically, there will be a phone number on the back of the card where they can contact customer service. 

  Customer Answer

  Date: 05/10/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  *************************
  
  
  
   
  
  

• Initial Complaint

  Date:05/01/2024

  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.

  On 4/16/24 I notified One Mastercard that an individual or individuals were using their cards in a deceitful way. I spoke to One Mastercard 15 minutes after the event occurred and respectively asked them to decline the cards. As instructed I sent One Mastercard a copy of the cards and receipts of purchase from Wal-Mart. As the attachment shows I contacted Wal-********************** Mastercard ***************** ***************** as well as ********************** which the sponsoring bank for Mastercard. I tried repeatedly to have One Mastercard to decline the cards then tried to talk to the escalation department but was not successful. This issue should have been resolved within minutes of the event taking place. Mastercard is a reputable company, however, One Mastercard located in the *********** is knowingly allowing deceitful practices to take place. My expectation is for Mastercard to intervene on my behalf. The problem still exist so One Mastercard must put in protective measures to mitigate risk and fraud.My total loss is $2,405. My expectation is for One Mastercard to give me a full refund.

  Business Response

  Date: 05/06/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account and transaction data, initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. The consumer should contact the bank that issued the card for assistance with the dispute. 

• Initial Complaint

  Date:04/22/2024

  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 from MasterCard in which the information required of me included a social security card number. Since my social security card is lawfully considered a credit card as per 15 U.S. Code 1602 I, and I received no benefits from the transaction upon denial, the transaction is considered fraudulent because it is by definition an unauthorized use of my credit card per 15 U.S. Code 1602p. Ive attached these laws in greater detail for you to review below:Under 15 U.S. Code 1602 i- 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.15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.16 CFR *****c - A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.18 U.S. Code 1341 - Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, **************, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimidated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do.

  Business Response

  Date: 04/22/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Please be advised that Mastercard does not maintain cardholder account data, nor do we have control over credit ratings. We are only the technology provider licensing our ****************** to issuing and acquiring banks, who in turn issue cards and acquire cardholders. The consumer should contact the financial institution where they applied for the card for any questions related to that application.

• Initial Complaint

  Date:04/11/2024

  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.

  Mastercard provides no way to contact them and speak to a human by phone. All their numbers go to the same place and its impossible to get anyone to help. Also MasterCard needs to alert me by email before they sign me up for any promotions without my consent.

  Business Response

  Date: 04/16/2024

  Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.
  
  Cardholders in the ** should call 1-800-Mastercard ***************) for assistance. 

  Customer Answer

  Date: 04/16/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: That number does not lead to a live person. Nor can I connect with one on there. 

  [Your Answer Here]

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  Business Response

  Date: 04/17/2024

  The consumer should follow the phone prompts to reach a live representative. The phone system will ask if the caller is a Mastercard cardholder, merchant, or financial institution to direct the consumer to the appropriate team for assistance.