Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
-- - **AFFIDAVIT OF TRUTH** *XXXX XXXX XXXX XXXX **COUNTY XXXX XXXX ** XXXX XXXX being first duly sworn upon oath, deposes and says as follows : XXXX. **Affiant** : I, XXXX XXXX XXXX XXXX of legal age and competent to make this affidavit. I am the individual identified in the credit report associated with XXXX XXXX. XXXX. **Purpose** : This affidavit is made to assert that XXXX has willfully failed to comply with the requirements on purpose for a purchase that u no longer have access to for a service that was supposed to be a XXXX  year membership their proof for a " valid chargeback set forth under applicable consumer protection laws and regulations is that there is " proof of previous use & that is it '', specifically as it pertains to my dispute regarding a chargeback reflected on my credit report, which remains unresolved. 3. **Facts** : a. On or about XX/XX/year> i reported an unauthorized charge as fraud at first reporting it with billing as i didn't receive the service which returned as a chargeback related to a transaction on my XXXX account for a product I paid for but did not receive due to the nature of the merchant being fraudulent aswell as their being scandalous behavior as the merchant XXXX XXXX used XXXX  platform to intentionally lure in entrepreneurs promising his XXXX name funded and closed would do just that and when i got access to his class to my surprise he was telling others to use his funds to get more funds which is credit merger fraud b. Upon noticing this i cancelled same day and the merchant XXXX XXXX NOT XXXX promised my funds back if i cancelled same day i reached out and got no response, I promptly initiated a dispute with XXXX, seeking clarification and resolution of the chargeback, including the removal of this charge from my credit report. c. In response, XXXX provided no evidence to substantiate the chargeback & the charge back only, nor did they provide any valid documentation to explain why the chargeback remains on my credit report. Instead, XXXX referred me to the third-party platform used by the merchant to process the payment, claiming that the platform 's " no refund '' policy was the reason I was not given access to the paid product. d. XXXX 's response was insufficient, as the platforms policy can not be the sole justification for my inability to receive the product, especially given that the merchant is a separate entity from the platform and should be held accountable for providing the product or issuing a refund as per the terms of the transaction. XXXX 's failure to substantiate the chargeback with proper evidence and to offer any reasonable resolution constitutes willful noncompliance on their part. 4. **Violation of Consumer Rights** : The actions of XXXX have caused undue harm to my financial reputation, specifically with respect to my credit report. By failing to provide evidence of the chargeback or to remedy the situation in good faith, aswell as committing steering by bouncing me between fraud & billing & still committing an investigation with no intention of siding with consumer even though i provided ample evidence XXXX has willfully violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 5. **Request for Relief** : a. I request that XXXX provide complete evidence supporting the chargeback claim, including but not limited to documentation showing that the charge was properly processed by the merchant and the platform, and that the chargeback was valid under applicable laws and agreements. b. I further request that XXXX reasonable cause for chargeback like received service EXACTLY AS DESCRIBED as i do not have XXXX  years access and their reason for keeping this charge in my records is only " proof of use '' if they are unable to provide such evidence and provide compensation for any damages caused by their willful noncompliance. than i want my account that i closed in fraud recovered & my credit restored **Affiants Declaration** : I hereby declare under penalty of perjury that the statements made in this affidavit are true and correct to the best of my knowledge, information, and belief.

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