Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Total Card, Inc.
State: CA

Complaint narrative:
FILE # XXXX I have been contacting Total Card Visa and XXXX XXXX XXXX XXXX which has been acquired by XXXX, XXXX at the provided number ( XXXX ) XXXX and email XXXX for several months to resolve INACURATE REPORTING on my credit report. 

My last conversation was with a manager at the company and she told me she would resolve the inaccurate reporting within 2 weeks of reviewing my case. After several attempts to reach her and 3x emails to the provided email : XXXX, I have received NO RESPONSE and nobody at the company has been able to respond to my emails or help me over the phone with my case! 


1. THE COMPANY IS NOT BEING COMPLIANT. 

2. THE COMPANY HAS FAILED TO RESPOND WITHIN 30 DAYS.

3. THE COMPANY MANAGER TOLD ME SHE WOULD REVIEW MY CASE AND RESOLVE IT WITHIN 2 WEEKS ON A RECORDED LINE BUT SHE NEVER CALLED ME BACK ABOUT MY CASE OR RETURNED MY CALLS THEREAFTER. SHE HAS NOT EVEN RESPONDED TO MY EMAILS ABOUT MY CASE NOR HAS ANYONE AT THE COMPANY RESPONDED OR CALLED ME BACK AFTER I EMAILED COMMUNICATIONS TO XXXX AS PER THEIR INSTRUCTION. 

4. IT HAS BEEN LONGER THAN 90 DAYS THAT I HAVE BEEN TRYING TO REACH THE MANAGER ASSIGNED TO MY CASE AFTER SHE TOLD ME SHE WOULD RESOLVE THE CASE WITHIN 2 WEEKS ON A RECORDED LINE. I HAVE CALLED THE COMPANY DOZENS OF TIMES ABOUT THIS ISSUE AND NOBODY HAS BEEN ABLE TO ASSIST ME OR COMPLETE MY CASE. 

5. THIS COMPANY HAS INACCURATELY REPORTED 6 MONTHS OF LATE PAYMENTS FROM XX/XX/XXXX - XX/XX/XXXX ON MY CREDIT REPORT. THIS IS NOT ACCURATE AND AFFECTING MY CREDITWORTHINESS FOR A MORTGAGE LOAN. I CLOSED THE ACCOUNT IN XX/XX/XXXX WITH A {$0.00} BALANCE AND 100 % ON TIME PAYMENT HISTORY. 

6. AS YOU CAN SEE, MY PAYMENT HISTORY SHOWS 100 % ON-TIME PAYMENTS UP UNTIL XX/XX/XXXX, WHICH WAS WHEN I PAID THE FINAL BALANCE OF {$6.00} AND I CLOSED THE ACCOUNT!!!!! I CLOSED THE ACCOUNT DUE TO THE CREDIT LINE NOT BEING SUFFICIENT AND THE UNFAVORABLE $ XXXX SURCHARGE TO KEEP THE CREDIT LINE OPEN. I MADE MY CONCERNS CLEAR WHEN CLOSING THE ACCOUNT. 


7. THE COMPANY IS SAYING THAT I OWE A BALANCE OF {$100.00} WHICH HAS BEEN CHARGED OFF. THEY HAVE REPORTED THIS CHARGE OFF ON MY CREDIT REPORT AND REPORTED THAT I HAVE NOT PAID THEM FOR A TOTAL OF 6 MONTHS IN XXXX. THIS IS INACCURATE!!!!!! 

I DO NOT OWE A BALANCE AND I HAVE PAID ON-TIME SINCE I OPENED THE LINE OF CREDIT UNTIL XX/XX/XXXX, WHEN I CLOSED MY ACCOUNT. THEY HAVE NOT ACCURATELY REPORTED THAT MY ACCOUNT WAS CLOSED IN XX/XX/XXXX WITH 100 % ON-TIME PAYMENTS. 

THE COMPANY CHARGES $ XXXX TO KEEP THE ACCOUNT OPEN. I CLOSED THE ACCOUNT IN XX/XX/XXXX AND HAD A {$0.00} BALANCE AFTER I PAID THE LAST {$6.00} SURCHARGE. 

THE INACCURATE AMOUNT OWED OF {$100.00} THAT HAS BEEN CHARGED OFF IS NOT A BALANCE OWED FROM ME USING THE CARD. THIS BALANCE IS FROM THEIR $ XXXX SURCHARGE AND LATE FEES INCURRED FROM MISSING XXXX PAYMENTS! 

BUT I CLOSED THE ACCOUNT IN XX/XX/XXXX!! 

I SHOULD NOT HAVE GOTTEN THE {$6.00} SURCHARGE PAST XX/XX/XXXX! 

1. I CLOSED THE ACCOUNT WITH 100 % ON TIME PAYMENTS IN XX/XX/XXXX BUT MY ACCOUNT REMAINED OPEN FROM XX/XX/XXXX - XX/XX/XXXX WITHOUT MY KNOWLEDGE WHICH IS THE FIRST ISSUE. 

2. THE SECOND ISSUE IS THAT THEY CHARGED OFF $ XXXX + LATE FEES FOR 6 MONTHS AND REPORTED IT AS A CHARGE OFF AND IT IS HURTING MY CREDIT AND THIS IS ALL INACCURATE! 


3. THE THIRD ISSUE IS THAT THEY HAVE FAILED TO RESPOND IN A TIMELY MANNER AND HAVE BEEN COMPLETELY UNABLE TO RESOLVE THE ISSUE IN 30 DAYS, 60 DAYS, OR EVEN 90 DAYS! 




After going over my credit report with my lender for my XXXX XXXX mortgage, we discovered the payment history on this account has been reported INNACURATE and the account REMAINED OPEN AFTER I CLOSED IT IN XX/XX/XXXX. 

I have had PERFECT PAYMENT HISTORY with all of my credit cards and I paid off my auto loan in XXXX and THE INNACURATE REPORTTING here does not reflect my habits as a consumer. 

I need to overcome this to get a mortgage for my family! 

Please work with me! 

Please call me at XXXX to resolve this. 

I'm really in a rush to purchase my home in XXXX XXXX XXXX XXXX and I need to fix this! 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation