Consumer complaint received 2026-04-23 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:
COMPANY INFORMATION Company Name : Bilt Rewards XXXX Bilt Technologies , Inc . Website : biltrewards.com Type of Business : XXXX XXXX payment platform and rewards credit card COMPLAINT NARRATIVE I am a California resident filing a complaint against Bilt Rewards, a XXXX company operating in California, for unfair and deceptive business practices, material undisclosed changes to payment processing terms, unauthorized retention of consumer funds, and failure to respond to a formal complaint all of which have caused serious financial harm and placed my housing at risk. BACKGROUND I am a Bilt Rewards member who uses the platform to pay my monthly rent. My rent is approximately {$2300.00} per month. The following events occurred between XXXX and XX/XX/year>. ISSUE XXXX : MATERIAL CHANGE TO PAYMENT TERMS WITHOUT ADEQUATE DISCLOSURE CALIFORNIA XXXX VIOLATION Prior to XX/XX/year>, XXXX processed my rent payments as a credit card charge, with funds due around the XXXX of each month. I organized my finances around this established schedule. In XX/XX/year>, without adequate notice to me, Bilt changed the payment categorization from a credit card charge to a cash-type transaction. This caused my rent funds to be drawn from my bank account on XX/XX/year> a full 12 days earlier than my established payment date. Because I was not informed of this timing change, my bank account did not have sufficient funds on XX/XX/XXXX when multiple legitimate transactions were processed simultaneously. My property charged me an NSF fee as a direct result. I have documentary evidence showing : Prior statements : rent processed as credit card charge, due XXXX of month XX/XX/year> statement : rent processed as cash transaction, drawn XX/XX/XXXX This undisclosed material change to payment timing constitutes an unfair and deceptive business practice under California XXXX Unfair Competition Law ( UCL ), Business and Professions Code XXXX, as it caused foreseeable consumer harm through a change Bilt made unilaterally and without meaningful disclosure. ISSUE XXXX : MISLEADING PLATFORM INFORMATION PREVENTING CONSUMER ACTION On XX/XX/year>, after my property manager notified me that my rent had not been received, I contacted Bilt by phone no one answered. I checked the Bilt app, which displayed a confirmation that my payment had been successfully processed. I have a screenshot of this. Relying on Bilt XXXX own platform information, I took no further action because Bilt told me everything was fine. On XX/XX/year>, I learned that a late fee and NSF fee had been applied. Bilt XXXX app had given me false information at a critical moment, preventing me from taking corrective action in time. This constitutes a deceptive practice under California law a consumer should be able to rely on accurate status information from their financial services platform. ISSUE XXXX : ERRONEOUS TRANSACTION CAUSING HOUSING JEOPARDY After multiple failed attempts to resolve the issue with Bilt support, I escalated to my bank ( XXXX ) in late XX/XX/year>. XXXX processed a reversal of the incorrectly charged amounts. Following this reversal, Bilt XXXX system generated an erroneous transaction that pulled {$2400.00} from my property 's account incorrectly, and the replacement rent payment was not delivered. My property issued a vacancy/eviction notice as a direct result of this Bilt system error. ISSUE XXXX : UNAUTHORIZED RETENTION OF CONSUMER FUNDS On approximately XX/XX/year>, following XXXX 's reversal, my full rent amount was transmitted to Bilt. I have bank records confirming this transfer. As of the date of this complaint, Bilt has : Not applied these funds to my rent account Not returned these funds to me Provided no explanation of where these funds are or their current status Bilt is holding my money without disclosure or accounting. Under California XXXX XXXX XXXX and applicable money transmission laws, licensed money transmitters operating in California are required to handle consumer funds responsibly and transparently. Retaining consumer funds without explanation or timeline is a serious violation of these obligations. ISSUE XXXX : INADEQUATE COMPLAINT RESPONSE AND IMPLICIT LIABILITY ADMISSION On XX/XX/year>, I filed a formal complaint with XXXX. On XX/XX/year> XXXX day later I received a check for {$150.00} with the memo notation " fee reimbursement, '' corresponding exactly to my late fee ( {$100.00} ) and XXXX NSF fees ( {$25.00} x XXXX ). Bilt issued this payment with no written explanation, no case resolution, no response to my outstanding questions, and no acknowledgment of the missing funds or broader harm caused. The " fee reimbursement '' memo is Bilt XXXX own written acknowledgment that these fees were their responsibility yet they refused to provide the formal written statement my property management requires to restore my online payment access. As of XX/XX/year>, my property confirmed in writing that they can not reinstate my online payment access until Bilt issues a formal responsibility letter. I am now required to pay rent by cashier check mailed to my property by the XXXX of each month an ongoing burden directly caused by Bilt XXXX refusal to communicate transparently. VIOLATION SUMMARY UNDER CALIFORNIA LAW Violation California Law Undisclosed material change to payment terms UCL XXXX Unfair and Deceptive Business Practice Misleading app status preventing consumer action UCL XXXX Deceptive Practice Retention of consumer funds without disclosure CA XXXX XXXX XXXX Money Transmission obligations Failure to respond to formal consumer complaint CA Consumer Protection standards Ongoing housing harm from refusal to issue responsibility letter XXXX XXXX XXXX XXXX causing consumer harm WHAT I AM REQUESTING FROM XXXX XXXX into Bilt XXXX undisclosed change from credit card to cash payment processing and whether adequate consumer notice was provided under California XXXX XXXX into Bilt XXXX retention of consumer funds received on approximately XX/XX/year> Direction to Bilt to issue a formal written responsibility statement, as required by my property to restore my payment access Direction to Bilt to return or correctly apply the funds received on XX/XX/year> within XXXX business days Full reimbursement beyond the {$150.00} already received, to account for ongoing harm including the erroneous {$2400.00} transaction and monthly cashier check burden - {$15.00} paid already. Review of Bilt XXXX consumer notification practices for material changes to payment processing terms SUPPORTING DOCUMENTS TO ATTACH Old monthly statements showing rent as credit card charge, due XXXX of month XX/XX/year> statement showing rent as cash transaction, drawn XX/XX/XXXX Screenshot of Bilt app on XX/XX/year> confirming payment processed Email thread with property XXXX ( From XX/XX/year> to XX/XX/year> ) Bank statement showing funds transmitted to Bilt XXXX XX/XX/year> XX/XX/year> formal complaint email to Bilt Image of {$150.00} check with " fee reimbursement '' memo ( XX/XX/year> ) Property manager written confirmation dated XX/XX/year> re : cashier check requirement and need for Bilt responsibility letter

Company response to consumer: Closed with explanation