Consumer complaint received 2022-12-15
Company: CRED Technologies dba cred.ai
State: TX
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:
( I have to provide my personal information as this company, cred.ai can only identify me this way. My name is XXXX XXXX, XXXX XX/XX/XXXX ; Last 4 numbers of my metal card was XXXX ; last 4 of my SSN is XXXX ( which I will be changing since this jerk stole my identity too. ) On XXXX, I met a con artist-thief, identity thief named XXXX XXXX who pretended to be interested in a romantic relationship with me so as to gain my trust. Being the lonely, old stupid woman that I am, I fell for it and lent him personal cash loans to the amount of {$1000.00}. On XX/XX/XXXX, after he spiked my drink ( I was feeling drunk and I threw him out of my car because i discovered none of the money he claim to have and was directly transferring to my bank by XXXX direct deposit, never showed up ; HE LIED. That evening, I was arrested by the XXXX XXXX Police on suspicion of DWI ( Driving while intoxicated and I remained detained at the XXXX XXXX XXXX XXXX ( release paperwork submitted ) until my release on a PR bond on XXXX, XXXX, XXXX. - When I was released, I immediately called the banks and my credit cards to see if anything was stolen, since he stole my car, my XXXX, XXXX XXXX  and sold all contents in my vehicle. My social security payments get DIRECTLY DEPOSITED TO CRED.AI every month and when I contacted them Cred.ai emergency support line, I discovered ALL my money was gone - the total amount stolen was $ XXXX.so I DISPUTED all the transactions for the month of XXXX, XXXX and up until XX/XX/XXXX and asked for a copy of those transactions to be immediately emailed to me as I needed it to file a police report and so the police investigators could arrest him. The representative at the XXXX Department told me that even though they would be disputed and he told me he saw reason why the dispute department would not credit my account after they see the information I forwarded to them, he even said the earliest i could see the credit back was in 5 business days after the dispute department sees my uploaded document. I even told him I needed my money within 48 hours to pay my long overdue bills and, because 1 ) I DID NOT AUTHORIZE ANY TRANSACTIONS for those months and 2 ) it is physically impossible for me to have done it since I was incarcerated. I asked to get my email changed and explained that my phone was stolen and email used to open the account was compromised ( HACKED ).

Still, the next day and the days following, not only I not get my money returned, I received NO EMAILS or UPDATES to my dispute. Then they keep telling me the Dispute Department system was updating for 5 days and could not get me an update but someone would call me back as soon as possible. 5 DAYS!!! Their " emergency phone support '' is the worst I have ever experienced in my life and there is NO NUMBER or contact for the Executive Team. I had to reiterate several times that the email address used to initially open this cred.ai account HAS BEEN HACKED which meant any confirmation of what I need them to do was sent to the wrong email ; then, to add insult to injury, every thing i told them to do ( eg. email, telephone number change, etc. ) has not been done in a timely manner and well. This entire support and dispute team have heavy accents and don't help the customer to achieve effective assistance or help. I also wish to file a formal complaint against the Dispute Resolution Representative, XXXX whom I found to be condescending, unhelpful and clueless! Why must the dispute department ask the merchants to investigate this dispute when I already furnish WRITTEN PROOF that i could not have swiped my card with those transactions and 2 ) I NEVER GAVE AUTHORIZATION TO ANYONE TO USE MY CARD PERIOD. i HAVE BILLS TO PAY THAT ARE LONG OVER DUE BECAUSE OF MY DEMISE.

Company response to consumer: Closed with explanation