Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
ATTEMPTED FRAUD AND HARASSMENT COMPLAINT AGAINST XXXX XXXX CREDIT CARD From its inception this credit card was used for just one purpose - to AUTOMATICALLY pay the monthly {$18.00} charge from XXXX XXXX. Nothing else was ever placed on this credit card. The account was always coded to be paid THE FULL BALANCE each month from my checking account. 

In XXXX or XXXX I received notice from them at as of XXXX there would be a $ XXXX  monthly service fee added to the bill ( {$48.00} annual charge ). So I closed the account and switched the XXXX XXXX payment to another credit card. The last monthly {$18.00} payment made to XXXX XXXX was on XX/XX/XXXX. 

I subsequently received notification from XXXX XXXX that there was a {$37.00} debit balance in the account, which happens to be twice the monthly XXXX XXXX fee. I contacted XXXX XXXX by phone to find out where this came from, informing them that the automatic monthly payments for the full balance every month since inception made this impossible to understand. The agent on their end said he would check my account to verify my record of payments to see why. He couldn't come up with a reason why. Then said he was going to put me on hold while he researched further. 

So I stayed on hold.. for five... ten... maybe fifteen minutes or even more... then was disconnected from their end. 

Not trusting them at all at this point I called my bank and had them put a block in my checking account against XXXX XXXX. They attempted, unsuccessfully, to extract that {$37.00} from my checking account on or around XX/XX/XXXX. 

After which they have been harassing me by both calling me on the phone as well as text messaging me in efforts to complete this attempted fraud. I answered the phone once and told them what I've written here, that from the start my account was coded to AUTOMATICALLY pay the full balance every month which meant that I owed them NOTHING. Then I hung up on them to avoid getting into a long winded discussion that would have gone nowhere. 

XXXX XXXX still keeps on trying to call and text me, last text being today, Saturday XX/XX/XXXX at XXXXXXXX XXXX : " Tell us how we can help. Call us at XXXX. If you'd like to make a payment online, please visit... ". 

AND THERE IS PRECEDENT FOR THIS ; I FOUND THE FOLLOWING AFTER GOOGLING " XXXX XXXX CREDIT CARD COMPLAINTS '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaints Customer Complaints Summary XXXX total complaints in the last 3 years. 
XXXX complaints closed in the last 12 months. 
If you've experienced an issue Submit a Complaint The complaint text that is displayed might not represent all complaints filed with XXXX. Some consumers may elect to not publish the details of their complaints, some complaints may not meet XXXX  's standards for publication, or XXXX  may display a portion of complaints when a high volume is received for a particular business. 

Filter and sort by Initial Complaint Date : XX/XX/year> Type : Billing Issues Status : AnsweredMore info I had been utilizing my XXXX  credit card for years, always paying the balance in full each month. On or about XX/XX/year>, I received notification that I would need to pay a yearly fee of {$48.00} in order to continue using this card. I called in, paid all balances in full, confirmed a XXXX balance, and closed the account. However, XXXX  is still reporting to credit agencies that i have a balance owed of {$370.00}. When i called into XXXX  on XX/XX/year>, their phone system indicated my balance is XXXX and i have {$4000.00} in available credit, even after closing this account. XXXX  employee indicated that there is nothing they can do about the incorrectly reported balance of {$370.00} showing on my credit report. I indicated I would file reports to XXXX  and Consumer Protection and representative on the call said that would be fine. Im reaching out to the XXXX  for help in contacting XXXX  on my behalf to straighten out the incorrect reporting, or lack of updating that has adversely effected my credit.

Company response to consumer: Closed with explanation