Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I sent this message to XXXX to try and get this issue resolved and out of frustration on it I'd like to send it here to ensure it's handled not just for me, but for others dealing with the same issue. They have been using fake reviews to drive their marketing currently to drown out the poor " service '' that they provide : Hello Best Egg team, I opened an account around XXXX timeframe to be a credit card service that I could use to help situate myself as I grew financially out of college. I noticed that there was service degradation as a developer. I was developing my own mobile application but the app can not function when a phone is in debug mode. Each time I had to access my card I would have to disable debug mode, which was inconvenient. As such, I locked my card and decided to keep it around for emergencies. 

Overtime, the mobile app 's API ceased to function and so I had to go into the Web UI to pay off my balance so interest didn't accrue. At this moment I decided that this company was in major decline, to which I even offered to assist with maintaining the backend services. At this moment I decided that this card would probably not work in my interest so again I double downed on just not using it anymore. 

Well, I got a notification Today ( XXXX, XXXXXXXX XXXX  at XXXXXXXX XXXX ) that my account would close if I don't activate my " new card '' by XX/XX/XXXX, so I went to the mobile app which, again wasn't working and stated that it would be delisted XX/XX/XXXX as well. I went to the Web UI and found that my card has a balance on it of ~ {$90.00}. Since XX/XX/year> I've been charged {$4.00} per month AND I found that XXXX was able to charge me for a subscription that I didn't know about on XXXX and XX/XX/year> despite the card being LOCKED and the card not being activated and I couldn't even access these bills in the way I used to. 

I contacted customer support and got matched with a guy that informed me that there was a notice on XX/XX/year> that I didn't sign which stated the terms were updating to charge me? For an account I wasn't using that had degradation service? I told him that it wasn't his fault or responsibility, but the way this all played out was very disingenuous and as such I'd like a refund for all the service fee charges as I didn't make use of this card all this time. He told me for the XXXX charge I'd have to talk to the vendor, which I feel is kinda odd since the card was locked .. For the service fee he kept insisting he would try to get me " {$4.00} '' instead of the full {$28.00} that was charged from my account thus far. He told me that my account would have to be closed to issue the refund and so I said, Ok great, as long as it gets me back the full balance that I paid without consent nor knowledge of. He asked to put me on hold and then disconnected my call. 

This has been a headache of an experience and I'd like assistance with resolving this issue or I will escalate for the trouble and damages caused.

Company response to consumer: Closed with monetary relief