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 ComplaintThe 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:07/16/2024
Type:Billing IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 MasterCardBusiness 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 IssuesStatus: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 misledInitial Complaint
Date:09/18/2023
Type:Billing IssuesStatus: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.Initial Complaint
Date:06/07/2023
Type:Billing IssuesStatus: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 a victim of identity theft and this company keeps reporting fraudulent information to my credit reportBusiness Response
Date: 06/12/2023
Please see the attached business response.
Blaze MasterCard is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
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