Consumer complaint received 2023-05-13
Company: ALLIANT CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My bank has declined to open a dispute against a company who service I paid for on XX/XX/XXXX and never received the services. XXXX files a dispute with my bank and they stated that they wont be able to honor a refund credit or dispute because its been too long since I made the purchase. I purchase a credit repair service and the company did not start, or complete the services. I have proof attached stating that I tried my best to solve the issue but the company never responded and my bank continues to let companies steal money from me. On XX/XX/XXXX I paid for a XXXX XXXX XXXX XXXX with this company for the amount of {$190.00}. XXXX XXXX the XXXX XXXX sent me a email on XX/XX/XXXX via email from ( XXXX ) requesting my personal information to start the disputing process which I did submit. On XX/XX/XXXX I sent a email touching base making sure that they received my information, XXXX responded on XX/XX/XXXX and stated that once a representative reviews my file someone will reach out. No one never reached out to me I then sent another email on XX/XX/XXXX, and again on XX/XX/XXXX to check on the status of my disputes. XXXX responded on XX/XX/XXXX and stated that my disputes letter are completed and will be sent out in one business day, she sent another email on XX/XX/XXXX and said that in 2-3 weeks i should receive my first round of results. I waited until XX/XX/XXXX to reach out again to let her/him know that I did not receive any letters pertaining to my disputes. XXXX then responded and said that if I do not receive any letters from the credit agencies in a week to reach back out and she will contact the agencies directly. I waited again and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I emailed XXXX regarding not receiving any letters from the credit agencies and she did not respond until XX/XX/XXXX, she stated that she will reached out to the CFPB to file disputes and suggested I created an online account for her/him to filed directly online. I followed her instructions and emailed her the login to my CFPB account for her to finally start the process. On XX/XX/XXXX I sent XXXX another email reminding her that I sent the information she requested and when will she file the disputes online, XXXX then responded with little to no information or answers regarding the previous email. I waited another week hoping that XXXX did the job she was paid to do and I still did not receive nothing. I checked my CFPB account and was surprised to see that she never sent any only disputes, I even took it upon myself to contact each credit agency XXXX, XXXX, XXXX and they all stated that NO DISPUTES WERE NEVER SENT. On XX/XX/XXXX I emailed XXXX again letting her know that I checked the CFPB account and she never sent anything Its been 5 months since I purchased this service and I was scammed, they kept my money and did not perform the service they was paid. I requested a refund and this company nor XXXX XXXX responded or issued my refund. My bank has refused to help me.

Company response to consumer: Closed with explanation