Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Share
Business Profile

Credit Cards and Plans

Blaze MasterCard

Complaints

Customer Complaints Summary

  • 63 total complaints in the last 3 years.
  • 19 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • 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.
  • Initial Complaint

    Date:09/04/2024

    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 logged into my account and I could not change my address due to the "status" of my account.
    I called customer service to ask what I had to do to change my address because I was moving out of my temporary housing because I was a victim of Hurricane Idalia. They flagged my account for Fraud and are Requesting the following:
    - Color copy of state issued ID
    - Color copy of Social Security Card

    Leaving the social security card out of this, the situation is this:
    They want a copy of my ID, and the address that is on my ID is my mother in laws property and all bills are in her name.
    I am moving out of my temporary housing in two weeks and they want a photo ID of my address on file which is my temporary address(why I was logging in to change it).
    I would have to go to the DMV to get an ID to match this address and then I move out in 14 day from now and have to go again and change it back?

    They are threatening to close my account(less than 5% balance), damage my credit score which I worked very hard to keep in good standing unless I jump through hoops and spend time and money doing so.

    They are giving me no other option other than the robotic version of scripted nonsense.
    Extorting me to provide labor to them or they will hurt my credit score.

    Horrible Policy, Horrible Company. Punish your customers for nothing of they did. Give them very little option to verify. Customer service states that online verification is "not secure", however standard mail is? Nonsense, get in the 21st Century.

    Business Response

    Date: 09/06/2024

    This letter is in
    response to the correspondence we received from the Better Business Bureau.

    In your correspondence, you indicate that your account is currently locked and you are
    unable to change the address on file. You were notified that your account was
    flagged for Fraud and your copies of your Driver’s license and social security
    card were being requested, however the address on these documents is not your
    current address.

    I certainly regret
    any confusion caused by the information provided regarding this situation.
    Please allow me to clarify, your Blaze Mastercard is issued by First Savings
    Bank, which also issues HUE/First Savings Credit Card. On July 31, 2024, we
    received a telephone call from you stating that you never applied for the HUE/First
    Savings Credit Card ending in **** and believed the account was fraudulent. Since
    all the same the information on the HUE/First Savings Credit Card account
    matches your Blaze Mastercard account, including the current address on file of
    *** * ******* *** Crystal River, FL 34429-7706, we need to ensure that this
    account is not also potentially fraudulent.

    To verify your
    identity, we sent you a letter on August 14, 2024, explaining that we need a
    clear, color copy of your social security card and a clear, color copy of your
    driver’s license. If the address on the account does not match your
    identification, as you indicate in your correspondence, we would only need a
    clear copy of a utility bill, dated within the last 60 days, showing your name
    and this address. Our records show that your address was changed to the *** * ******* *** Crystal River, FL 34429 address on February 4, 2024.

    This documentation
    does need to be provided by mail to the below listed address. Upon receipt of
    this information, we will investigate further to determine if we are able to
    release the block on the account.

    Please mail your
    verification documents to:
    Blaze Mastercard
    ** *** ****
    Sioux Falls, SD
    57117-5096

    I hope this
    information is helpful. If you have any further questions, please feel free to
    contact me at *************

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.