Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
My total credit for the this card is {$500.00}. I On XX/XX/year> I made a payment that was due in the amount of {$41.00} per my statement. On XX/XX/year> I made another payment for {$400.00}. I made this second payment prior to my closing statement date XX/XX/year> so when reported to credit agency i would have a good utilization score. On XX/XX/year> i was unable to use my credit card i should have had a credit available balance of {$450.00} on XX/XX/year>. I made only XXXX transactions on XX/XX/year> which did not deducted until XX/XX/year>. Leaving my available credit to be {$440.00}. On XX/XX/year> I tried to use my credit card and was declined several times. I called total Visa credit card customer service and asked what the reasoning was for my car to be declined as my understanding I should have had a credit of {$440.00}. I was then told that there was a restriction placed on my card due to the fact that I made a payment of {$400.00} and this was suspicious. I asked for documentation of this reason to be sent to me so that I can have it resolved. I was then told there is no documentation to support the restriction placed on my card by total visa credit. I was then told I have to send my personal transaction statements from the card that I use to make my payments with to show that I made the payment. This is after total visa credit card had already processed and withdrew the amount from my account. Total visa customer service did not give me any kind of contact information of where I am supposed to send my personal banking information to show I made this payment. I had to call several times to actually get a fax number which turned out to be the wrong fax number. I then found a email to where I can send documents. These documents were sent on XX/XX/year> and XX/XX/year> to total visa credit card. The documents included transactions from my account for the card that I use to make my payment with. I then called total visa and asked how long this was going to take to get this resolved. Their customer service had no idea. They also had no contact information of what department it went to, or how to verify any document that were received. I then called back a few days later to receive the same answers although I did receive a reference number from total visa credit card by email that stated I would be able to track the status of the document submitted with this reference number. I then called total visa credit card customer service again and supply this reference number and asked how long this was going to take to verify these documents that were requested, again customer service rep could not give me an answer. As of XX/XX/year> I still have no answer I received no communication from total visa credit card as to how long this process can take. I also received no disclosures or policies that showed that restriction would be placed on credit availability for making a payment that was owed to my credit card per their disclosure. It states that payments can be made at any time without restriction. My payment did not go above my credit limit. This credit card company is a scam. They charge a ridiculous amount to have a credit card and then come to find out. I can not even make my payments prior to the closing statement date to show that I have a good payment history with my credit agencies I am requesting that this company with a policy or a disclosure as to why my card was restricted for making a normal payment as I had the prior XXXX months made the same amount of payments with no issue. Im also requesting that they release the restriction on my credit card immediately and give me the credit due.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation