Consumer complaint received 2026-05-28 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: Tilt Finance, Inc.
State: CA

Complaint narrative:
On Saturday, XX/XX/2026, more than XXXX purchases were made using my Tilt credit card. XXXX of those purchases were made through a merchant listed as XXXX, and XXXX purchase was made at XXXXXXXX in the amount of {$88.00}. The transaction amounts on XXXX ranged from {$2.00} to {$99.00}. As soon as I noticed these transactions, I froze my card immediately and emailed Tilt at XXXX to request that they cancel the card and send me a replacement, since their customer service phone number does not work on weekends. Tilt replied with a questionnaire by email, which I completed and returned the same day ( XX/XX/2026 ). However, they did not cancel the card right away. The person using my card continued attempting additional charges again and again. These transactions only failed because I had manually frozen my card. On Monday, XX/XX/2026, I called the number on the back of my card ( XXXX ) and spoke with a representative. I explained that there were XXXX fraudulent charges totaling {$2000.00}, none of which were made by me. The representative said they would cancel the card and send me a replacement. I explained that, if the card had not been frozen, the criminals would likely have continued using it and potentially maxed it out. I also reported that the company did not stop the suspicious transactions even though they were clearly fraudulent, and that their fraud prevention failed. I submitted a fraud policy report on XX/XX/2026 and emailed a copy to Tilt as well. They informed me their fraud department was investigating and that they would provide updates. However, none of that has happened for the past XXXX days. They also have not issued any temporary credit while the investigation is ongoing. Today, XX/XX/2026, I contacted them again and explained that any amount that remains due will be reported to the credit bureaus and will affect my credit utilization. I was also told Tilt has already produced a balance statement and that I must make a payment by XX/XX/XXXX. The representative told me the investigation is still ongoing and that they will contact me soon. I told them it is not fair that I am being required to pay for fraudulent charges I did not make. The representative only repeated apologies and said that if I do not pay, I would likely incur late fees and also have a negative report to the credit bureaus. In other words, they advised me to pay for charges that I should not be responsible for. I requested to speak with a supervisor, but the representative told me no supervisors were available and that I would receive an email from XXXX shortly. XXXX hours have passed and I have not received anything, which is why I am filing this complaint. I understand that an investigation takes time. My main complaint is that : My account has not been credited for the fraudulent transactions. I am being required to make a payment by XX/XX/XXXX for charges I did not make. If I dont pay, they will report it to the credit bureaus, which will damage my credit. Their fraud detection allowed XXXX suspicious transactions to proceed back-to-back without blocking or flagging them. Please help resolve this as soon as possible. This situation is extremely stressful and emotionally draining, and I feel like I am being left on the hook with no meaningful assistance from the company. Thank you.

Company response to consumer: Closed with explanation