Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
My credit card account was enrolled in autopay and linked to my checking account. In XX/XX/XXXX, payments stopped processing even though nothing changed on my end. The checking account information remained the same, the account was active, and there were no changes to routing/account numbers or available funds. The failures appear to have been caused by a change or error on the companys system. 

The transaction history shows multiple payment attempts that were later reversed/undone. On the same dates, there is an ONLINE ACH PAYMENT entry and a matching ADJUSTMENT-PAYMENTS entry for the same amount. Regardless of which one occurred first behind the scenes, the paired entries net to {$0.00} and indicate the payment did not post. 

Transactions shown in the screenshots ( in the order displayed ) : XX/XX/XXXX XXXX : XX/XX/XXXX : Late fee charged {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : ADJUSTMENT-PAYMENTS {$270.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX : Late fee charged {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX : ADJUSTMENT-PAYMENTS {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Interest charge {$5.00} XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$400.00} ( this XXXX successfully posted ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XX/XX/XXXX : ADJUSTMENT-PAYMENTS {$400.00} ( matching reversal/undo of the payment ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX : ADJUSTMENT-PAYMENTS {$400.00} ( matching reversal/undo of the payment ) XX/XX/XXXX : Interest charge {$7.00} The way the transaction history is presented is confusing and contributed to the problem. It appears to display transactions in ascending order, and the XXXX XXXX XXXX ( negative amount ) can appear as the most recent line item, which makes it look like the payment posted successfully. The matching ADJUSTMENT-PAYMENTS entry is not clearly labeled as a reversal or failed payment, so there was no clear indication in the app that the payment had been undone. 

During this period, autopay was shown as XXXX, and the app instructed me to manage autopay by visiting XXXX XXXX XXXX. However, when I attempted to sign in to XXXX XXXX at connect.secure.wellsfargo.com, the site displayed : You do not have any accounts available for mobile or online access, which prevented me from troubleshooting or managing autopay through the servicing bank. I also received repeated calls from an unverified number requesting sensitive personal information, which I declined. 

After repeated failures, I deleted and re-entered the exact same checking account information, and the payment then posted successfully on XX/XX/XXXX. This supports that something changed or broke on the companys system rather than anything changing with my checking account. 

Despite repeated attempts to pay and the eventual successful payment, late fees and interest were assessed and negative credit reporting occurred. I am requesting correction of the credit reporting related to these payment failures and removal of any late payment reporting that resulted from payments being reversed/undone despite repeated payment attempts.

Company response to consumer: Closed with explanation