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: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 *************

• Initial Complaint

  Date:07/16/2024

  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 have recently reviewed my credit card statements and noticed several late fees.
  
  - On February 28th for $25: This was the first time that I noticed that when I logged into the system to submit a payment and selected the payment date, your system/website immediately scheduled it for the next month. For example: if the due date is 2/28 the calendar defaulted to 3/28, skipping a whole month.
  I am not sure if this a known issue, a glitch on your system on what. I noticed what had happened days after and I resubmitted the payment on 3/01. I humbly request that the late fee is reversed as I hadn’t had those issues on your website before.
  
  - On March 28th for $25: This is the second time that I logged into the website to submit a payment and when the due date (3/28) was selected it somehow defaulted to the next month (4/28). Unfortunately, this time I did not realize what had happened and just assumed that I had scheduled the payment for 3/28. I also request that this late fee is removed as there is definitely something wrong with the updates made to the website and I doubt I am the first customer to bring this up.
  
  - On April 28th for $25: I am very confused about this one since the payment was submitted on the due date (4/28) and I was still charged a late fee? Would you please elaborate on why I was charged a late fee on this date if the payment was submitted on the due date.
  
  - On May 28th for $25: The website kept selecting the wrong payment date over and over. Someone needs to look into this. I was not able to submit payment until way after 5 PM CST. I am requesting the refund for this late fee as well given the numerous inconveniences I have been experiencing since the “payment date” calendar was updated on your website.
  
  I mailed them a formal letter asking to waive these fees and they refused. I am reporting them to the BBB so that others can take note of these practices as well. I will be cancelling this credit card soon.

  

  Business Response

  Date: 07/23/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from
  your correspondence that you have received several late fees on this account
  and believe that our website caused your payments to be scheduled for the
  incorrect date. You indicate that your payment was late in May due to these
  website issues and questioned why you received a late fee in April when your
  payment was on time. You are requesting these late fees credited and an
  explanation.
  
  When scheduling
  online payments, our system offers the first available payment date (i.e.
  today’s date or tomorrow’s date if it is after 5:00 PM CST cut off time). The
  month and year are shown at the top and the user must manually choose the date.
  After the payment is submitted, a confirmation screen showing the payment date
  is shown to the user and then another confirmation of this payment amount and
  date is emailed to the user. If you continue to have issues with our website,
  please contact as soon as possible, so that we can assist you further.
  
  Regarding your
  claim that your previous request to have late fees credited was refused, our
  records show that on June 25, 2024, we responded to your letter educating you
  on why the April payment was late and as a gesture of goodwill, we credited the
  late fees that billed in February and March. A copy of our
  response is enclosed.
  
  In reference to
  your April payment, our records show that no payment posted to your account for
  your March 28, 2024 due date. On March 28, 2024, a checking account payment for
  $33.00 was scheduled to post on April 28, 2024. Since no payment posted for
  your March due date, the minimum due on April 28, 2024 was $67.00. Since the
  full minimum due was not paid, a late fee was applied. On May 28, 2024, our
  records show you logged in at 5:24 PM CST and set up the payment one minute
  later. Since this was after the same day payment cut off time of 5:00 PM CST
  for ACH check payments, you scheduled the payment for May 29, 2024. A late fee
  was applied since your payment did not process by your due date. Based on this
  information, we find that no website issues occurred. As a courtesy, I have
  credited the late fee that billed in April. This additional credit will appear
  on a subsequent monthly statement. Please know that
  we will be unable to credit additional late fees for this same reason going
  forward.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at ************.

  Customer Answer

  Date: 07/26/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: Blaze Credit Card states that they refunded the late fees for February and March and that they notified me of this decision on a letter dated 6/21/2024. I have attached a copy of said letter and they have not refunded any fees corresponding to February or March, this has also not reflected in my account. Hope this clarifies things and I will await for the refund of the late fees for February, March and April, as offered in their response.

  I also have video proof of what the website does every time a payment is getting scheduled in case they want to forward it to their team. 

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

  

  Business Response

  Date: 07/29/2024

  This is the correct attachment for the Blaze Account. The previously letter included was for First Savings Credit Card.

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you have
  received several late fees on this account and believe that our website caused
  your payments to be scheduled for the wrong date. You indicate that your
  payment was late in February, March, and May due to these website issues. You
  questioned why you received a late fee in April, when a payment was made on time. When scheduling online payments, our system
  offers the first available payment date (i.e. today’s date or tomorrow’s date
  if it is after 5:00 PM CST cut off time). The month and year are shown at the
  top and the user must manually choose the date. After the payment is submitted,
  a confirmation screen showing the payment date is shown to the user and then
  another confirmation of this payment amount and date is emailed to the user.
  
  Regarding your payment history, our
  records show that on February 28, 2024 you scheduled a payment for your March
  due date. This payment was later cancelled and new payment was scheduled for March
  1, 2024. Regarding your April late fee, our records show
  that on March 28, 2024, you scheduled a payment in the amount of $34.00 to post
  on April 28, 2024. No payment posted for your March 28, 2024 due date and the minimum
  payment due was higher for April. Since the full minimum payment due was not
  made for the April due date, a late fee was applied. Since similar issues
  occurred when your February due date, as a gesture of goodwill, I have credited
  the late fees that billed on February 28, 2024, March 28, 2024, and April 24,
  2024. These credits will appear on a subsequent monthly statement. Please know
  that we will be unable to credit additional late fees for this same reason in
  the future.
  
  In reference to
  your May payment, our records show you logged in on May 28, 2024 at 9:21 AM
  CST, but only viewed the Account Home tab, and did not click into the payment
  tab to set up a payment. At 5:22 PM CST you logged in again and set up the
  payment two (2) minutes later. Since this was after the same day payment cut
  off time of 5:00 PM CST for ACH payments, you scheduled the payment for May 29,
  2024 and a late fee was applied. Based on this, we must assume no website
  issues occurred and we respectfully decline your request to credit this late
  fee.
  
  When scheduling
  future online payments, please review the date chosen before confirming your
  payment and double check the confirmation page after it is
  submitted. Please know that we will be unable to credit additional late fees
  for this same reason in the future. If you continue
  to have issues with our website, please contact as soon as possible, so that we
  can assist you further.
  
  I hope this information is helpful. If you
  have any further questions, please feel free to contact me at ************.

  
  

• Initial Complaint

  Date:05/28/2024

  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.

  May 28, 2024 Blaze has not canceled the auto pay set up, even though i have canceled my bank accounts with Blaze.

  

  Business Response

  Date: 06/03/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from
  your letter that you believe that your AutoPay set up through Blaze had not
  been cancelled, even though you have cancelled your Blaze bank account. We have
  reviewed our files and are unable to locate any existing Blaze Mastercard
  account, which is issued by First Savings Bank, with the information you
  provided. To further assist you, we must ask that you please provide us with
  the full account number and we will be happy to investigate further. If this
  was sent to us in error, please disregard our request for additional
  information.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the phone number on the attached letter. 
  

• Initial Complaint

  Date:05/08/2024

  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.

  Second month in a row received text my payment is overdue. I don’t have this card.

  

  Business Response

  Date: 05/09/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate you have received
  text messages advising that a Blaze account is past due, however you do not
  have a Blaze Mastercard. Our records indicate your telephone number was
  associated with one of our accounts. We have removed your phone number and you
  will no longer be contacted by us. We apologize for any inconvenience or
  difficulty you experienced as a result of this situation.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at the number on the attached letter. 

• Initial Complaint

  Date:04/25/2024

  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 hope this complaint finds you well. I am writing as a dedicated
  customer of Blaze Mastercard. Your institution
  has consistently provided exceptional service, for which I am grateful.
  I am reaching out to address an issue concerning my account. Recently, my family
  experienced a significant life event with the arrival of our newborn child. The joyous
  occasion also brought forth unexpected challenges, which affected my ability to
  manage certain obligations, including payments on my credit card account.
  The labor and delivery process involved unforeseen complications, necessitating an
  extended stay at the hospital for further testing and observations for both the well-being
  of the newborn and myself. This prolonged stay, coupled with the inherent adjustments
  to caring for a newborn, led to a disruption in our usual routines and financial
  responsibilities.
  The nights following the arrival of our child were filled with caring for their well-being,
  including numerous sleepless nights attending to their needs and adjusting to the new
  family dynamic. This adjustment phase, while immensely rewarding, also caused a
  temporary disruption in my ability to maintain timely payments on my credit card
  account.
  I take full responsibility for the late payments reflected on my account. As someone
  committed to financial responsibility and with a history of timely payments before this
  event, these recent late payments do not reflect my usual conduct. I am deeply devoted
  to promptly meeting my financial commitments and upholding a positive credit history.
  I deeply appreciate your attention to this matter and sincerely hope for your
  understanding and assistance in this regard. I kindly request your consideration in
  removing these late payments from my credit report. Doing so would significantly
  alleviate the impact on my credit profile and assist in maintaining financial stability
  during this critical phase of my life.
  I genuinely appreciate your attention to this matter and am hopeful for your
  understanding and support. I am fully committed to continuing a positive relationship
  with Blaze Mastercard and look forward to benefitting from the privileges of
  being a valued cardholder.
  
  Due to the arrival of my newborn child and my inability to take care of my financial
  responsibilities while bringing them into this world, I’m requesting the late payments
  reflected on my credit report be updated to “Paid As Agreed” as a one-time courtesy.
  
  Account Number: ****************

  

  Business Response

  Date: 05/03/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your
  correspondence, you indicate that you fell
  behind on your payments for your Blaze Mastercard account after the birth of
  your child. You are requesting the late payment(s) be removed from your credit
  bureau report as a one-time courtesy.
  
  Our records show that no payments posted for your
  November, December, January due dates and the account was subsequently reported
  as 30 days late then 60 days late to the credit bureaus. While we sympathize when
  life events create difficulties, we are required by law to report accurate
  information to the credit reporting agencies about the way accounts are
  maintained; thus, we must respectfully decline your request to change our
  credit bureau reporting. However, you have a right to place a consumer
  statement on your credit profile to provide information for creditors about why
  the payments were late. Future or current creditors may take this information
  into consideration. To add a consumer statement, you can go to ***************************
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at the number on the attached letter.

  Customer Answer

  Date: 05/09/2024

   
  
  ********** ********
   
  
  I am rejecting this response because I've been a loyal cardholder and for Blaze mastercard to not even take my circumstances into consideration says a lot about them as a company. I even started recommended family members to become cardholders with Blaze, but looking back, that wasn't such a wise idea. I'm torn at this decision, because I looked at Blaze at one of those companies, who cared about its members especially when they're going through a tough situation, but I guess not. 
  
  
  
  **********
  
  **** *******

  

  Business Response

  Date: 05/16/2024

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  In your rebuttal, you
  indicate that you are disappointed in our previous response regarding your
  request to have your payment history changed on your credit profile. We are
  sorry to hear that you are disappointed and I certainly regret any
  inconvenience or difficulty you have experienced as a result of this situation.
  However, as I explained previously letter we are required by law to report
  accurate information to the credit reporting agencies about the way accounts
  are maintained. Thus, we are unable to change our credit bureau reporting.
  
  Please keep in mind that you have a right to place a
  consumer statement on your credit profile to provide information for creditors
  about why the payments were late. Future or current creditors may take this
  information into consideration. To add a consumer statement, you can go to
  ***************************
  
  I hope this information is helpful. If you have any further questions, please feel free to
  contact me at the phone number on the attached letter. 

• Initial Complaint

  Date:04/10/2024

  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 am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.
  
  Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.
  
  Please rectify this matter promptly. My account number is ****************

  

  Business Response

  Date: 04/19/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  In your correspondence, you indicate that inaccurate information regarding your payment
  history is being reported to the credit bureaus and you believe that your
  non-public personal information to be shared with the credit bureaus without
  your authorization. You are requesting a correction to your credit bureau
  report.
  
  In reference to
  your claim that your non-public information has been shared without
  authorization, our records show we received your online application on January
  4, 2023. By applying for and accepting the credit card account, you agreed to
  the terms of the credit card contract, where you agree that we may report
  account information to credit reporting agencies. You also authorized us to
  obtain credit reports about you for any legitimate business purpose. In our
  Privacy Notice, we advise that all financial companies need to share customer’s
  personal information to run their everyday business and we only share
  information as permitted by law. Thus, there is no sharing you can opt-out of. Enclosed
  is a copy of your Credit Card contract and Privacy Notice.
  
  Regarding your
  payment history, our records indicate the last payment posted on July 5, 2023 in
  the amount of $40.00. No payment posted from August through December and the
  account subsequently charged off due to non-payment on December 11, 2023.
  Attached are copies of your billing statements, reflecting the account’s past
  due status. We find the account information and payment history being reported
  to the credit bureaus is accurate. We are
  unable to act upon your request to remove the account or alter the payment
  history, since the information reported to the credit bureaus needs to be
  accurate to maintain the integrity of the credit reporting system.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at the number on the attached letter. 

• Initial Complaint

  Date:01/16/2024

  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.

  Blaze Mastercard is in violation of the 7 in 7 Rule. This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period.
  Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt.
  
  The second part is where Blaze is in violation. Multiple phone conversations have occurred within 7 days.
  
  In lieu of taking this to court for the violations I would ask the account be closed, no further contact be made and the account be zeroed out as no balance owed.

  

  Business Response

  Date: 01/16/2024

  This is regarding a Blaze Mastercard account and should be assigned to Blaze rather than ********

  Thank you,

  *******

  

  Business Response

  Date: 01/19/2024

  This is in
  response to an inquiry we received on your behalf from the Better Business
  Bureau (BBB) regarding your Blaze Mastercard Credit Card, issued by First
  Savings Bank, account ending *****
  
  I understand
  from your BBB complaint that you believe Blaze Mastercard violated the Fair
  Debt Collection Practices Act (FDCPA) by calling you again less than 7 days
  after you had spoken with a representative. 
  In response, I reviewed the history of your account finding a technical
  issue in coding the outcome of your call. 
  The representatives incorrectly recorded the call as having no
  conversation, which prompted another call to be made before seven (7) days.  Please accept my apology for any
  inconvenience or difficulty you experienced as a result of the calls.  I have spoken with management in our
  Collections area to address the matter with the individuals involved and to
  correct any issues identified.  In
  response to your request that we close the account, credit the remaining
  balance and no further contacts be made, we have made these updates to your
  account, as a gesture of goodwill.
  
  I appreciate
  your brining this matter to my attention and the opportunity to respond to your
  inquiry, *** ********.  Should you have
  any further questions, please feel free to contact me at the number on the attached letter.

• Initial Complaint

  Date:01/08/2024

  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.

  I purchased a Christmas tree from ******** *** online that my son wanted. I ordered it on 8/31/23 and it still has not arrived. I’ve contacted the merchant many times and got a tracking number from their location in China to a residential address in Alaska. They told me they lost my address and needed it again, twice. I’ve repeatedly requested a refund from November on. I disputed the transaction with Blaze Mastercard only to receive a reversal stating ******** *** provided proof they sent it and proof of address which is on a USPS printed label which how can we send USPS from China? Also it says Connecticut not NY on it. What about consumer protection? I sent about 30 pages of correspondence to Blaze proving that my item never arrived. I am not paying for a product I did not receive and I don’t want to do business with a company that can not read yet claim they verified my address when Connecticut is not NY. USPS can not ship from China. As a consumer I feel that this poor excuse for a credit card company has no business sense or protection for their customers like EVERY other credit card company in the world. I’m providing the tracking number, ******** ******* has provided me with which will show it went to Alaska, not New York, which I provided to blaze MasterCard, but ******** ******* sent them a bogus different tracking information and they take that over the word of the consumer who sent them 30 pages of back-and-forth emails requesting a refund after they asked for my delivery address. Several times without refunding me. It is now January 6 and no product has ever arrived. Shame on. Both ******** ******* and blaze MasterCard

  

  Business Response

  Date: 01/15/2024

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from your correspondence that
  you purchased a Christmas tree from *** ******** ******* * on August 31, 2023
  in the amount of $59.99. You indicate that you contacted the merchant multiple
  times, but still have not received the item nor have you received a refund. Due
  to this, you filed a dispute through Blaze Mastercard, but the merchant denied
  your request for credit. You disagree with the dispute outcome and are
  requesting the transaction be refunded.
  
  On November 14, 2023, we reviewed your
  web dispute of the above transaction and placed the item into dispute. On
  December 28, 2023, we sent you a letter, explaining that the merchant denied
  your request for credit due to the billing and shipping information matched the
  information, which indicates the product was shipped to the appropriate party.
  Once a merchant denies
  a request for credit, we are unable to continue to dispute the transaction with
  the merchant. However, due to your numerous attempts to resolve this with the
  merchant previously, as a gesture of goodwill, we have credited the
  transaction. This credit will appear on your next monthly statement.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the number on the attached
  letter. 

  Customer Answer

  Date: 01/16/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 21108865, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** *****

• Initial Complaint

  Date:11/27/2023

  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 reported my blaze credit card stolen/lost. I was still accountable for paying the balance. Every day a blaze representative would call me asking what can they do to help me pay off the balance sooner. They told me they would be sending me another card I never received the card instead they closed my account and had no idea they were going to close my account when I got a statement in the mail with zero credit available. I called blaze I asked about my account all they told me was it's been closed.

  

  Business Response

  Date: 12/06/2023

  Dear ****** * ****: 
  This letter is in response to the correspondence we received from the Better Business Bureau. 
  I understand from your correspondence that you reported your Blaze Mastercard as lost/stolen, but indicate that you never received a new credit card. Your account was then closed and you believe you were not notified of the account closure. After noticing the account's closure, you contacted us and indicate that you were not given any information on why the account was closed and are requesting the account be reinstated. 
  Our records indicate that you contacted us on September 4, 2022 and reported that your credit card ending in **** was lost/stolen. This card number was shut down and a new account number ending **** was established. On September 6, 2023, the account was reviewed and because your account was over the credit line by $452.00, we were unable to send a credit card and the account was closed. We cannot issue a credit card on an account that is over the credit line or past due. Each of your monthly statements show the account had no available credit and under the Important Account Information, it advises that your account is currently closed. 
  Upon reviewing your account, we show no record of you contacting us about the account closure or requesting the account be re-opened. Since your account has been closed for longer than six (6) months, we must respectfully decline your request to have your account re-opened. 
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the number on the enclosed letter.

  

  Business Response

  Date: 12/26/2023

  I am unsure how to proceed with this complaint. The cardholder has rejected my response 2 times. I am unable to open the account after it has been closed for 6 months. She was notified with every statement that the account was closed. She has also requested no further letters or emails (from the BBB regarding this case I assume she means) from me. I am the only one in the office due to the holiday. Could someone please review this case and let me know if I should send a response. Thank you,
  ******* 

  Customer Answer

  Date: 12/26/2023

  I misled 

• Initial Complaint

  Date:09/18/2023

  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 liable for this debt with ***** **** **** Blaze Credit Card, I do not have a contract with ***** ******* ****, they did not provide me with the original contract as I requested. I demand this account be removed from credit report.

  

  Business Response

  Date: 10/16/2023

  This case should be reassigned to Blaze Mastercard as it is about the credit card not the bank directly. You can contact me at the email address above. thanks

  

  Business Response

  Date: 10/19/2023

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

  I understand from
  your correspondence that you believe you are not liable for this debt and that
  you have previously requested a copy of the contract, but it has not been
  provided. You are requesting that the account be removed from your credit
  bureau report.
  
  On September 29, 2023, we responded to your credit
  bureau dispute claiming the account was fraudulent. We sent the enclosed
  letter, requesting that you completed the Affidavit of Unauthorized Use to
  assist you further with your fraud claim. To date, we have not received a
  response to this request.
  
  Due to your request for the signed contract, enclosed are
  copies of the monthly billing statements, reflecting the payment and purchase
  history on the account. Because the account was applied for online, no physical
  application is available. However, the information from the application is
  retained in our files and a copy of the Application Detail screen is enclosed.
  
  Regarding our credit bureau reporting, our records
  indicate on July 6, 2021, we received an online application in your name, with
  the address **** * ******** ****** ** **** **** Las Vegas, NV 89135, and the
  Social Security Number ending in ****. Your name, address, and Social Security
  Number were verified as a match against your credit report, so the application
  was approved and the account was established. The account was used for
  purchases and the last payment in the amount of $30.00 posted on April 26,
  2022. The account subsequently charged off due to non-payment on October 12,
  2022 with a balance of $1,797.02.
  
  We have completed our investigation and have confirmed
  the information that has been 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.
  Therefore, we are unable to grant your request to remove or alter the
  information being reported to your credit profile.   
  
  If this account was set up without your knowledge or
  consent based on a fraudulent application, please complete and sign the
  enclosed affidavit of unauthorized use and return it to our office. In your
  response, please answer who at your previous address would have had access to
  your mail to receive the pre-approved credit card offer and our correspondence?
  Also, who has regular access to your phone with the number, ************, which
  was provided on this account’s application and is also listed as your telephone
  number on your complaint? Upon receipt of your response, we will be happy to
  investigate further.