Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: IL

Complaint narrative:
Credit card issuer : Imprint ( XXXX XXXX XXXX and XXXX XXXX XXXX, formerly XXXX XXXX  ) I am filing this complaint due to an improper interest charge and lack of resolution following the migration of my XXXX XXXX XXXX credit card account from XXXX XXXX  to Imprint. 

I originally had a XXXXXXXX XXXX XXXXXXXX XXXX credit card that I only used a few times. My most recent XXXX statement was dated XX/XX/year>, showing a {$0.00} balance. I had paid my previous XXXX statement in full and on time. Therefore, I had no outstanding balance or trailing interest at the time of migration. 

XXXXXXXX XXXX XXXXXXXX notified customers that the credit card program would migrate from XXXX to Imprint on XX/XX/year>, and that balances, purchases, and credits would transfer automatically. They said customers did not need to take any action. 

After the migration : * On XX/XX/year>, my new Imprint account showed XXXX last statement balance : {$0.00} and XXXX adjustment to balance : {$0.00}, as expected. 
* My XX/XX/year> purchase and a XX/XX/year> refund both appeared correctly under Imprint. 
* I then made another purchase on XX/XX/year>, which posted normally. 

However, my first Imprint statement ( XX/XX/year> ) included an interest charge dated XX/XX/year>, for {$46.00}. This charge makes no sense because I had no prior balance with XXXX  ( last statement showed {$0.00} ), and there was no outstanding or carried balance to generate interest. 

I called Imprint customer service on XX/XX/year>, and the representative was unable to explain the charge. They requested my old XXXX statements, but since the migration, I can no longer access my XXXX online account ( it shows as closed ). 

I then called XXXX Bank, and their representative confirmed they no longer have access to my account details or statements, as all data was transferred to Imprint. XXXX stated that Imprint has full access to this information. 

When I contacted Imprint again, they said they would investigate and provide a temporary credit to offset the {$46.00} charge during the investigation period ( possibly for 12 billing cycles ). However, as of two weeks later ( XX/XX/year> ), this credit has not been applied, and my statement due XX/XX/year> still includes the improper interest charge. 

Additionally, I have found multiple reports from other customers online who are experiencing the same issuemysterious interest charges following the XXXX to Imprint migrationwith similar lack of explanation or resolution from Imprint. This appears to be affecting both XXXX XXXX XXXXXXXX and XXXX credit card holders. 


Imprint appears to be charging interest without a legitimate basis, and without documentation from the previous bank to substantiate these charges. The company is also failing to provide a timely resolution despite acknowledging that an investigation is needed. 

Consumers should not be charged unexplained or unverified interestespecially when the issuer can not identify the balance on which that interest is based.

Company response to consumer: Closed with explanation