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:07/16/2025

  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 have been attempting to establish a positive credit history, which is why I applied for Blaze. I had previously set up autopay, but for some reason, it was deactivated in May? I made the payment and decided to investigate this issue further in June. Unfortunately, I was unaware of the late fee charges. I contacted Blaze and was informed that payments must be made on the 1st. I clarified that I had autopay, but they claimed I did not. I provided documentation confirming my autopay , except for May when I had to make a manual payment. The representative was unprofessional. I requested that they remove the late fee from my credit report, considering I am a new customer. They agreed to waive one late fee and they havent. I am requesting that all late fees be removed from my credit report and that I receive a refund, as well as a partial reimbursement of the annual fee, as I intend to pay off and close the account once this matter is resolved. I would like to mention that I informed *******, the representative, that I was reading the closed captions because I'm deaf, which caused me to respond slowly. Nevertheless, she disconnected the call. I have saved the closed captions and can provide them if necessary.

  

  Business Response

  Date: 07/22/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from your correspondence that you
  believed your account to be on Autopay, but no payment posted for your May 2025
  due date. When you contacted us, you indicated that the representative was
  unprofessional and are requesting a partial credit of the Annual Fee, any and
  all late fees waived, and lates removed from your credit bureau report. Firstly,
  please allow me to apologize for any misunderstanding and the call being
  disconnected when you contacted our Customer service area.
  
  I have reviewed your account and payment history and
  find your account was opened on February 28, 2025. Three (3) payments were set
  up manually by you through our website, using a checking account on April 1,
  2025, June 4, 2025, and July 4, 2025. On May 2, 2025, you manually set up a
  debit card payment through our website. Checking account payments made through
  our website or over the telephone will appear on your monthly statement as
  “Automatic payment-Thank you.” I certainly regret any confusion this may have caused.
  Your account was not enrolled in our Automatic Payment service until July 16,
  2025, when you enrolled through our website.
  
  Regarding late fees billing on your account, your due
  date is the 1st of the month. In May, June, and July, your payments
  were scheduled and posted after your due date; therefore, late fees were
  applied in accordance with the terms of your credit card contract. As a gesture
  of goodwill, our representatives previously credited two (2) late fees. I have
  credited the remaining late fee in the amount of $25.00. These credits will appear
  on your next monthly statement. There are no late payments reporting to the
  credit bureaus about this account. I am unable to credit the Annual Fee. If you
  do choose to close your account, you can request the Annual Fee be credited at
  that time.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely, 
  **
  
  
  

  
  

  Customer Answer

  Date: 07/23/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.Thank you for not hurting my credit report. 
  
  
  
  Sincerely,
  
  
  
  **** ********

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the inaccurate reporting of my Blaze Mastercard account (ending in 7158) on my credit report. Currently, this account is being reported as a charge-off, but it should correctly reflect a paid-in-full status.
  Blaze Mastercard and I reached an agreement that I would pay $596.73 by June 30, 2023, to resolve the account. I fulfilled my obligation by submitting a payment in that amount on the agreed-upon date. Despite this, my credit report does not accurately reflect this resolution.
  Additionally, I had a valid dispute regarding a $231.20 charge related to a Lil Baby and Friends concert in December 2021. The event did not proceed as advertised, and I was promised a refund by Ticketmaster. When that refund was not received, I rightfully initiated a chargeback through Blaze Mastercard. While Blaze initially credited my account, they later reversed the chargeback, leading to a prolonged dispute. However, despite these circumstances, I remained a responsible cardholder—making on-time payments consistently since opening my account on October 30, 2020.
  In April 2023, Blaze Mastercard confirmed via email that their goal was to prevent my account from being charged off. A representative assured me that if I paid the agreed amount of $596.73, the account would be considered paid in full and would not reflect as a charge-off. This agreement was honored on my part, yet my credit report still inaccurately reflects a charge-off, which is unfair and misleading.
  I kindly request that you correct this reporting error and update my credit file to show the account as paid in full rather than a charge-off or settlement. I have attached supporting documentation, including correspondence from Blaze Mastercard, payment confirmations, and details of the disputed charge.
  Please review this matter at your earliest convenience and update my credit file accordingly. If further clarification is needed, do not hesitate to contact me.

  

  Business Response

  Date: 03/31/2025

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  I understand from
  your correspondence, you disputed a transaction to ************ for $231.20 and
  were held responsible for the transaction and you continued to pay your account
  on time. In April 2023, you indicate that you received an offer to pay $596.73
  to prevent the account from charging off and that the account would report as
  paid and not as a charge off. You believe that the account should be reported
  as paid and not as a charge-off and are requesting an update to your credit
  bureau report.
  
  Our records indicate that you disputed a transaction
  to TM * LIL BABY that billed on November 18, 2021 in the amount of $231.20 and
  notified you that the merchant denied the request stating that all sales were
  final on February 16, 2023. We notified you that if you wished to continue your
  dispute of the transaction, you would need to contact the merchant.
  
  On May 9, 2023, I responded to your complaint filed
  through the Office of the Comptroller of the Currency regarding the disputed
  transaction. A copy of our response is enclosed. As this states, we offered to
  write off the disputed charge and applicable interest, if a payment of $596.73
  was made to pay the remaining balance. Once completed, we agreed to report the
  account as paid. Per our agreement, we submitted a request to the credit
  bureaus to update the account as paid. I have reviewed our credit bureau
  reporting and find the information is accurate.
  
  Regarding the account’s charged off status, your
  account charged off due to non-payment on December 11, 2022. The account charged off prior to our payment agreement and
  there was no offer to have this status removed from the account. We are
  required by law to report accurate information to the credit bureaus about
  accounts, thus we are unable to act
  upon your request as the information reported to the credit bureaus needs to be
  accurate to maintain the integrity of the credit reporting system.
  
  * **** **** *********** ** ******** ** *** **** *** ******* ********** ****** **** **** ** ******* ** ** *************
  
  ********** **
  
  

  
  

  Customer Answer

  Date: 04/01/2025

   
  
  ********** ********
  
  
  
  I am rejecting this response because:

  In this email sent from Blaze that I have attached to this response states that; Our GOAL IS TO HELP you PREVENT the account from CHARGING OFF.  WE ARE HERE TO HELP.  When I called with the options... I was offered to Pay an amount of $596.73. They agreed to take the charge off for the tickets to a concert that I HAVE never been to. I DID NOT receive the service that I paid for. They originally credited me my money back. They waited months to take it back. 

   

  The agreement that we had was that I was going to pay the $596.73 and the account would reflect paid and not a charge-off. Why would I pay $596.73 and it still impacts my credit score? I would have gave $0 and just let the whole amount charge off. A charge off is a charge off rather it's $5.00 or $500.00. A charge off impacts your credit score in a negative way no matter how much it is. 

   

  Why would you send me an email stating that you were here to help and protecting me from a charge off? I paid the amount agreed. Credit card companies delete things off credit card companies delete things off your credit report in good faith quite often so this has nothing to do with reporting false information to the bureaus. Your credit card company is a scam and you scammed me with lying and pretending that you were going to mark the account as paid. I had a strong payment history before this issue so I don't understand why you are giving me a hard way to go. We had an agreement for you to not make this a charge-off or affect my account negatively and you did not stand up to your word. 

  
  
  
  **********
  
  ****** ******

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft caused by the Equifax Data Breach. These accounts were opened fraudulently and they need to be removed from my credit report immediately.
  F** ***** ***********

• Initial Complaint

  Date:03/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.
  
  Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681g, I am demanding full documentation proving the validity of these accounts, including:
  
  Company Name: FSB BLAZE
  Account Number: ****************
  Reported Balance: $1,719.00
  
  I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.
  
  Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  

  Business Response

  Date: 03/14/2025

  enclosed document

  

  Business Response

  Date: 04/14/2025

  Our records show that we responded to this complaint on March 14, 2025 and on March 27, 2025 we received notification from your office that *** *** had not responded and the case was closed. Is this a reconnect from *** ***?

• Initial Complaint

  Date:03/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not accountable for the debt associated with FSB BLAZE. There is no contract between me and FSB BLAZE, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 03/20/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from
  your correspondence that you believe you do not have a contract or owe a debt
  with Blaze Mastercard. You are requesting the account removed from your credit
  bureau report. Our records indicate that in response to your client's previous
  credit bureau dispute reviewed on March 3, 2025, we accepted their claim of
  fraud and submitted a request to the credit bureaus to delete this account from
  your credit profile. Please allow 30 to 60 days for the credit bureaus to
  update their records.
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at *************

  Sincerely,

  **

• Initial Complaint

  Date:11/25/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Approximately three or four weeks ago, I decided to buy a truck from ***** auto sales in Euless Texas. I got full coverage insurance on it and I was told that I was approved for the loan the whole 9 yards previously to getting the insurance. They wanted part of the down payment before I got there because I lived in another state. I gave them $500 on a Blaze Credit Card. My wife and I drove all night from Mississippi to Texas. I called the car lot when I got to the Texas state line and told them I would be there. It was a Saturday and they closed early at 2 PM. My sales rep then told me that I wouldn’t be able to take the truck with me until they were sure the loan went through although the day before they told me everything was good and deceived me. They would not give me my $500 back. I lost money for hotels. I lost the gas Money and my time.
  
  I called my credit card company and disputed the charges for fraud because before I got there, they sent me three pictures of the truck and the side that they didn’t send me a picture of had white paint all over a black truck on the door jams the rearview mirror under the windshield wipers so I told them I didn’t want the truck if I couldn’t take it with me then because I couldn’t stay and they knew that. I told all this to Blaze when I disputed the credit card payment for fraud because it was fraud, theft by deception at the very least. I’ve been dealing with Blaze Credit Card and every time I call the customer service hotline. They’re really nice their professional, but I get a different solution to the same problem and then they have to send it back to the fraud department or wherever and the they tell me they need something else.
  I realize they’re probably doing the best they can but it seems like I’m getting jerked around and I don’t like thinking bad of people. I’ve already lost the gas money, hotels rooms on the way back, and my time can you please help me resolve this?

  

  Business Response

  Date: 12/05/2024

  response enclosed 

  Customer Answer

  Date: 12/09/2024

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

• Initial Complaint

  Date:11/15/2024

  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.

  YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n(a)(1)(A) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. Under 15 USC 1681 (a)(4).
  
  
  A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO PERMANENTLY DELETE/REMOVE THESE INACCURATE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY. I AM VERY AWARE THAT I CAN GET REMEDY FOR PER VIOLATION. 15 U.S code 1681n (a)(1)(A) Reporting information with actual knowledge of errors.

  

  Business Response

  Date: 11/20/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your
  correspondence that you believe
  inaccurate information is being reported to the credit bureaus about this
  account and you claim that you did not consent to have your personal
  information shared to the credit reporting agencies. You are requesting the
  account removed/deleted from your credit profile.
  
  In reference to our credit bureau reporting, our records indicate
  on February 23, 2021, we received
  an online application in your name with the above listed address, and the
  Social Security Number ending in ****. By applying for the credit card, you agreed
  to the credit card’s terms, where it states you agree that we may report
  account information to the credit reporting agencies in your name.
  
  Regarding your account history, our
  records show the last payment in the amount of $171.98 posted on June 5, 2024
  and brought the balance to $0.00. The account was closed at your request on
  July 10, 2024. No
  minimum payment posted for your due dates of April 27, 2024 and May 27, 2024.
  When the account cycled on June 2, 2024, the account was reported 30 days late
  to the credit bureaus. Copies of your last three (3) monthly statements are
  enclosed for your review. Therefore, we find the information reported to the
  credit bureaus is an accurate reflection of the way the account was maintained.
  We are unable to act upon your request to remove the account from your
  credit profile as the information reported to the credit bureaus needs to be
  accurate to maintain the integrity of the credit reporting system.
  
  If
  you continue to believe the information is inaccurate, please send us a
  detailed letter stating specifically what information you believe is wrong,
  copies of any documentation to support your position that the information is
  inaccurate. Upon receipt of these items, we will be happy to investigate
  further.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at ###-###-####.

  
  

• Initial Complaint

  Date:10/22/2024

  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.

  Hello,
  
  I am just trying to get a copy of a 1099 C debt of cancellation so i can file an amended tax return form 1040X. Because this company sent the cancellation of debt to IRS i am required to report it and add it to my taxes. there is one issue here i never received a copy of the 1099 c and when i call IRS they are saying i need to call the company to get it. i also changed my address long time ago and i believe if this was sent it might have been sent to an old address i had 5 or 6 years ago. I have been calling these people for the past 4 months and nobody can assist me they keep transferring me to financial assistance and when i explain they said okay we will send it and i never received anything. At this point i am gonna have to send a letter to IRS to let them know i never received this so they can investigate because nobody can help me.

  

  Business Response

  Date: 10/25/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you did not receive the 1099-C
  Cancellation of Debt Form for your Blaze Mastercard account and claim that no
  one you have contacted has been able to assist you. Our records do not show
  that we have received any telephone calls from you regarding your account. Per
  your request, a copy of your 1099-C Cancellation of Debt Form for 2022 is enclosed.
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at *************

  Sincerely,

  * *****

• Initial Complaint

  Date:10/16/2024

  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'm requesting accounts be removed from my. FCRA Sections 605B,615(f),623(a)(6) & 15USC 1681c-2
  Since you’re reporting this item as a charge off that means you’ve written it off as a profit loss on your taxes which means that you should’ve given me a 1099C that I have never received. The IRS defines a charge off account as a cancelled debt that taxes must be paid on. You took a tax break and still reporting a balance saying I owe the money. This also means that your committing fraud and I can report you to the IRS. 15 USC 1681 (2)(a)i) states transactions and experiences between the consumer and the person making the report are not included in the “consumer reports” I am writing to request the removal of this charge-off from my credit report.

  

  Business Response

  Date: 10/22/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  I understand from your
  correspondence that you believe a 1099-C IRS Tax Form should have been sent for
  this account since it charged off and you are requesting the account removed
  from your credit bureau report.
  
  Our records indicate on October 20, 2020, we
  received an online application in your name with the above listed address, and the
  Social Security Number ending in ****. Your identity was validated, the
  application was approved, and the account was established. The account was used for purchases and the
  last payment in the amount of $84.00 posted on April 29, 2022. The
  account subsequently charged off due to non-payment on October 27, 2022 with a
  balance owing of $956.61. Therefore, we find the information we reported is an accurate reflection of
  the way the account was maintained. The information
  reported to the credit bureaus needs to be accurate to maintain the integrity
  of the credit reporting system. Thus, we are unable to grant your request to remove or
  alter the information being reported to your credit profile.
  
  Regarding your request
  for a 1099-C, a 1099-C IRS Tax Form is required to be sent when it has been
  three (3) years after an account’s charge off and the remaining balance is $600
  or greater or when a settlement agreement is completed and the amount written
  off is $600 or greater. At this time, your account does not meet either of
  these criteria. This document will be sent as is required, if or when your
  account meets one of these qualifications.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely,

  ******

  
  

• Initial Complaint

  Date:09/17/2024

  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.

  Opened blaze credit card, charged 75.00 fee, never late on payment, paid off balance, company closed account after balance paid in full, did not refund annual fee.

  

  Business Response

  Date: 09/23/2024

  Enclosed is the response regarding the complaint. Thank you.