Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX Dispute Department, I am writing to formally dispute the late payment status reported on my Flexible Spending Credit Card account, as detailed below : Account Type : Flexible Spending Credit Card Responsibility : Individual Age of Account : XXXX  Years, XXXX  Months Credit Limit : {$500.00} Credit Used : XXXX  % Available Credit : {$48.00} Highest Balance : {$510.00} Payment Status : XXXX  Days Late Amount Past Due : {$68.00} Date Reported : XX/XX/year> Date of Last Payment : XXXX XXXX XXXX Monthly Payment : {$52.00} On Time Payments : XXXX  % I wish to dispute the late payment status due to severe circumstances that significantly hindered my ability to manage my XXXX  XXXX account promptly. On [ Date of Incident ], I experienced the unfortunate loss of both my credit card and mobile phone at the XXXX airport. This loss resulted in my being locked out of my XXXX XXXX online portal and unable to access or manage my account. 

Moreover, due to the reported loss/theft of my wallet and phone, I was compelled to cancel my previous billing information associated with auto-pay settings. This further complicated my ability to make timely payments through automated means. 

Despite these challenges, I maintained communication with XXXX XXXX while abroad. However, upon returning to my residence at XXXX XXXX XXXX, I discovered that all my mail and packages had been compromised. Notably, my neighbor, who collaborates with the homicide division across XXXX XXXX, did not capture any clear footage of the entry points to my home. 

As a result of these extraordinary circumstances, I faced considerable difficulty in regaining access to my account, managing my payments, and securing my personal information. Nevertheless, I was able to make a payment of {$52.00} on XX/XX/year>, which was within the expected timeframe. This payment reflects my commitment to maintaining a positive payment history with XXXX XXXX, as evidenced by the 67 % on-time payment rate. 

Therefore, I respectfully request that XXXX XXXX conduct a thorough review of this matter and reconsider the reported XXXX late payment status on my credit report to accurately reflect the extenuating circumstances I faced during this period. I appreciate your understanding and prompt attention to this dispute. 

Please provide written confirmation of the investigation 's findings and any corrective actions taken to rectify this issue. Should you require any further information or documentation to facilitate this process, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your assistance in resolving this matter expediently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief