Consumer complaint received 2020-12-31
Company: Total Card, Inc.
State: FL
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 3 separate outstanding issues that I am unable to resolve with this credit card issuer. 

Firstly, I was issued a credit from XXXX XXXX  XXXX for a return I had made in the amount of {$160.00} on XX/XX/XXXX, the issuer has this credit on hold for no reason. I have called no less than 10 times, and have faxed them a copy of my credit receipt only to have my requests go unanswered. They never once reached out to me to advise this credit was being held! 

Secondly, I was awarded {$76.00} credit on my XX/XX/XXXX statement for 2 fraudulent transactions which occurred in XX/XX/XXXX and XX/XX/XXXX. The next day they debited the credit from my account, simply crediting it as an interest payment earned by their company. 

I was once again charged {$76.00} randomly on my XX/XX/XXXX statement ( Attached ) as a result of my constant attempt to recover the money I was due. They have no Fraud Department or Knowledgeable Management available to assist, which at this point seems to be a part of the deflection. I feel they hope you give up, as all Representatives pretend not to have a clue as to what you are calling about and always have the generic answer " I'm so sorry but you can't talk to the fraud department, I am the Manager, Sorry I am unable to resolve your issue satisfactorily. '' You can try sending a letter to our PO BOX or Faxing in your concern. 

Also, not only do they not process fraud charges when reported, they continue to collect monthly interest on reported fraud charges while giving you the run around why they can't process the claim ( affadavits not received, can't read fax etc ). ( I have 10 fax confirmation sheets showing the document was received each time ). I've also called weekly 20 phone calls on this issue alone. They never ONCE reached out to me to resolve. 

They habitually fail to credit interest which they happily compound monthly on all charges, including fraud, which should be removed from active billing while being investigated. In this instance I received 2 small credits {$.00} &. {$94.00} credit in XX/XX/XXXX when they issued my {$76.00} credit before reversing it the next day as Total Visa Income. 

Regarding this issue, I am owed 13 months interest in addition to the {$76.00} which to date I have not received plus interest. {$76.00} + {$24.00} interest = {$100.00} due Finally, I had one final fraud claim due to identity theft, of which they credited me back for only 1 of the 8 total transactions disputed together. Again, interest not credited for the 1 which was properly reversed. 

The outstanding claimed fraudulent transactions are as follows : XX/XX/XXXX {$14.00} XXXX - 2 months interest due on charge Fraud not processed ( included in original claim ) : Attached XX/XX/XXXX {$34.00} XXXX XX/XX/XXXX {$25.00} XXXX  XX/XX/XXXX {$4.00} XXXX  XX/XX/XXXX {$13.00} XXXX XX/XX/XXXX {$14.00} XXXX XX/XX/XXXX {$11.00} XXXX XXXX XX/XX/XXXX {$6.00} XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX {$110.00} FRAUD + 7 months worth of INTEREST Due I have attached : XXXX XXXX  XXXX Credit Receipt XX/XX/XXXX Statement NOT indication XXXX XXXX on Hold {$76.00} Credit Issue/Reversal XX/XX/XXXX Transaction History XX/XX/XXXX {$76.00} Recharge of credit supposed to be issued Letter Confirming Fraud Claim Investigation in my favor Original Fraud Affadavit - XX/XX/XXXX

Company response to consumer: Closed with explanation