Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Meta Payments Inc.
State: AL

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, specifically in regard to its social media platform XXXX and the companys handling of account suspensions, monetized support access, and the treatment of paid users under its XXXX Verified program. 

On XX/XX/XXXX my XXXX account XXXX ) was abruptly suspended with no prior notice or clear explanation. The notice cited vague possible policy violations that were henious and evil in nature, violations that allege the abuse of children. It is to my knowledge that this is a widespread issue that many users have had happen to their accounts. 


I was never given an opportunity to review the alleged content or address the accusations through meaningful human review. All available appeal options were automated by XXXX in a matter of seconds, opaque, and ultimately led to no resolution or reinstatement. 

What makes this matter particularly concerning is that I am a paying subscriber to XXXX Verified, a service that is marketed as offering increased account security, identity verification, and direct support. However, even as a paying customer, I was denied access to human support, and no transparent or fair appeal process was provided. Many users, including myself, feel coerced into paying for XXXX XXXX under the belief it would offer protection or recourse in such events. It has instead become a predatory and exploitative model that monetizes the appeal process itself, offering the illusion of protection while failing to deliver substantive support or accountability. 

There is a growing pattern of consumer harm surrounding these practices : XXXX promotes XXXX XXXX as a pathway to account resolution but does not deliver on those promises. 
XXXX to human review is effectively paywalled and still unreliable, resulting in unjust account terminations even for verified users. 
There is no meaningful appeals infrastructure, leaving users powerless even after payment. 

This creates the perception that XXXX is using account suspension threats to drive subscriptions, only to deny services after purchase a practice that feels predatory and potentially in violation of consumer protection laws. 

I request that the CFPB : 1. Investigate whether XXXX XXXX is being marketed or leveraged in a misleading or exploitative manner. 
2. Assess whether XXXX appeal and suspension processes violate principles of fair consumer treatment. 
3. Review if XXXX handling of paid accounts constitutes unfair, deceptive, or abusive acts or practices ( XXXX ) under the XXXX jurisdiction. 

I am attaching relevant correspondence and screenshots where applicable and would be happy to provide additional information as needed. I respectfully urge the XXXX to examine XXXX growing influence and lack of consumer safeguards, particularly as it relates to paid digital identity verification services that carry no actual support or legal accountability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation