Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I completed a balance transfer, that I initiated with my home bank ( XXXX XXXX ) to transfer a balance from my credit card with Bilt ( XXXX XXXX ). I initiated the transfer with XXXX XXXX like a normal balance transfer transaction. XXXX XXXX sent the payment to Bilt ( they use XXXX XXXX ) of the amount of {$2900.00} ( as I requested ). XXXX XXXX completed the balance transfer, confirmed XXXX XXXX received the funds, credit my XXXX BANK account as per usual operations and all was done. I saw the credit reflected via my Bilt account app of a payment of {$2900.00} that was posted ( photo attached for proof ). It then brought my current balance down to 0, which was the goal here. I was then planning on closing my Bilt account as the company has gone through many changes recently that I do not agree with, so I was looking forward to not having to interact with this organization as I've had many problems with their customer service in the past. I then go back on my Bilt account to start the process of cancelling my account, and I see the {$2900.00} recharged as a transaction. This makes no sense? They received the money and showed they received the money and then reversed it? I have that {$2900.00} balance present at XXXX XXXX. I contacted customer support at Bilt by phone and the representative seemed untrained and confused on how to help me at all. Days later, I get an email from the customer support at Bilt. In this email, the representative from Bilt named XXXX, wrote that they actually don't accept balance transfers so I should ask my bank to redirect the transfer. This transfer has been completed for nearly a month at this point? They ACCEPTED the money and all the sudden are now asking that I pay them {$2900.00} even though they already received {$2900.00} from XXXX XXXX. I am NOT paying this twice. This looks like they are trying to scam me. This representative also said that they never showed they received the {$2900.00}, which is a lie, because it is clearly posted on my account ( photo attached ). Additionally, I had mentioned that after they solved this issue I wanted my account closed as I don ; t want any relation to this company anymore. The representative said that I had to make a phone call to close the account, they couldn't do that over email. Days later, I get another email from the same representative that says she can close my account now via email if I wish. What is going on? They are going back and forth and deciding the rules as they go. This is ABSURD and I will not be paying this amount 2x. They already received the money and any mistake that was made on their end is not my responsibility. They are holding this over me and I need this balance cleared so I can close my account out and not have this on my credit score. This is beyond ridiculous and the worst customer service I've ever received.

Company response to consumer: Closed with explanation