Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Complaint Against : Company : Gemini Credit Card ( issued by XXXX / XXXX  XXXX ) Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, NY XXXX Phone : XXXX Type of Complaint : Credit card or prepaid card Improper denial of credit / Failure to process credit line increase request properly What Happened On or about XX/XX/year>, I submitted a routine credit line increase request through my XXXX Credit Card account portal after the system deemed me eligible by presenting the INCREASE button option. My request appeared to go through normally the system even confirmed eligibility for a soft-pull credit review but a short time later I received an email stating that my request was denied due to a system timeout, connection issue, or service disruption. 

This is not a valid or legally sufficient basis for denial under the Fair Credit Reporting Act ( FCRA ) or Equal Credit Opportunity Act ( ECOA ). The notice makes clear that the application was never actually processed or evaluated, meaning the denial resulted purely from an internal technical malfunction, not from any assessment of my creditworthiness. 

My credit profile and payment history clearly demonstrate that I am highly qualified for a credit line increase : XXXX Score : XXXX Utilization : 1 % Average Age of Accounts : 15 years Payment History : Perfect, 100 % on-time Public Records/ Derogatories : None Income : High and stable I have also consistently made multiple payments each month and maintained my Gemini account in excellent standing. My current limit of {$1000.00} is simply not commensurate with my credit and income profile. 

It appears that XXXX system error prevented the application from being completed, yet I was still issued a formal denial notice. This is both misleading and harmful, as it reflects a denial action that was never based on any legitimate review. Consumers should not be penalized for technical failures beyond their control especially when they are otherwise fully creditworthy and meet all internal eligibility criteria. 



What Ive Done So Far I contacted Gemini through their support channels but have not received confirmation that my request will be reprocessed manually. The denial email lists only the reason as a timeout and provides no pathway for escalation or correction. I am now submitting this complaint for CFPB review to ensure proper regulatory oversight and corrective action. 



What I Am Requesting I respectfully request that the CFPB require XXXX Credit Card ( XXXX ) to : XXXXManually review and process my credit line increase request based on my actual credit profile and account history. 
XXXX.Correct the record to remove any misleading indication that my application was legitimately denied for credit reasons. 
XXXX.Acknowledge and document the system error, and ensure that similar timeout denials are not treated as valid credit decisions going forward. 
XXXX.Provide written confirmation to me that the matter has been corrected and the review completed. 

I also consent to a soft pull of my credit report as originally intended, to allow XXXX  to complete the review that was interrupted by their system issue. 



Why This Matters This is not simply an inconvenience it reflects a breakdown in fair and transparent credit evaluation. If credit card issuers can issue denial notices citing system timeouts rather than actual credit determinations, it creates an inaccurate record of consumer applications and undermines both FCRA and ECOA protections. 

I am requesting CFPB oversight to ensure XXXX  properly remedies this and implements corrective measures to prevent similar incidents affecting other consumers. 

Thank you kindly in advance and I look forward to this matter 's resolution expediently.

Company response to consumer: Closed with explanation