Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Albert Corporation
State: CA

Complaint narrative:
CFPB, I am filing this complaint to report what I believe is retaliatory and dismissive conduct by Albert Corporation following several prior complaints I submitted to the Consumer Financial Protection Bureau regarding their Instant transfer and linked-account processes.

Recently, I received a written message from Alberts support team ( copied verbatim below ) that directly references my history of CFPB complaints and implies that continuing to escalate issues to external agencies is futile. It also suggests that I close my account if I am not satisfied. The language used gives the impression that my prior CFPB filings are being held against me and that Albert is attempting to discourage me from exercising my right to seek agency review.

Message Received from Albert : Weve reviewed several previous complaints youve submitted to the CFPB regarding transfer timeframes, shipping timeframes, and how linked accounts function with our Instant product. In each case, these processes were reviewed and confirmed to have completed as expected. While we understand its disappointing to wait for transfers to complete,
escalating these concerns to external agencies does not speed up or change these timelines- theyre set by the banking system and remain consistent regardless of the communication channel.

However, if youre unhappy with how Alberts products or standard banking timeframes work, it may make more sense to close your account and part ways on good terms. We want you to feel comfortable with the tools you use, and if these standard processing times dont meet your needs, we respect that choice.

Clarification : I want to make it clear that I fully understand Albert has its own internal policies and standard processing timeframes, which I am not disputing in this complaint. My concern lies strictly with the tone and intent of the message I received specifically the parts that reference my CFPB complaint history,
discourage further agency involvement, and suggest I close my account because I have exercised my right to seek regulatory review.

Why This Is Concerning : 1. The company explicitly referenced my prior CFPB complaints, indicating they are tracking my regulatory filings.

2. Their statement that escalating concerns to external agencies does not speed up or change these timelines appears to discourage or minimize my right to contact the CFPB, which may violate 12 U.S.C. 5536 ( a ) ( 1 ) ( C ) ( prohibiting unfair, deceptive, or abusive acts or practices ).

3. Their suggestion that I close [ my ] account after exercising my complaint rights could reasonably be interpreted as retaliation or coercion.

4. Instead of addressing the underlying service concerns, Alberts response attempted to deflect responsibility and frame my complaint history as the issu
e.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation