Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Subject : Complaint Against Bilt Rewards / Bilt credit card Unfair Loss of Rewards Value Due to Refund Handling I am filing a complaint regarding Bilt Rewards, concerning the handling of rewards, specifically XXXXXXXX XXXX XXXX feature, following a refunded transaction. On XX/XX/year>, I redeemed {$200.00} in Bilt Cash to activate a XXXX XXXX which provides an additional XXXX points on up to {$5000.00} of spending. On XX/XX/year>, I made a purchase of {$4100.00}, which utilized most of this accelerator allowance. On XX/XX/year>, a partial refund of {$3000.00} was issued for that transaction. As a result, Bilt reversed the earned points ( XXXX points ) and associated Bilt Cash ( {$120.00} ). According to Bilts own explanation, this refund restored the unused spending capacity under the original XXXX XXXX. However, prior to the refund being processed, I had already redeemed another {$200.00} Bilt XXXX on XX/XX/year>, to activate a second XXXX XXXX period. Bilt states that once a new accelerator is activated, the previous one is considered closed, and any restored capacity from refunds in the prior period can not be used or transferred. This creates an unfair outcome : The refund reversed both the earned points and Bilt XXXX tied to the original transaction. The restored accelerator capacity from the refund became unusable because a new accelerator period had already begun. Bilt refuses to either : Refund the unused portion of the original {$200.00} Bilt XXXX redemption, or Restore the equivalent points ( approximately XXXX points ) that would have been earned had the capacity remained usable. As a result, I suffered a loss of approximately {$120.00} in value ( either in Bilt XXXX or equivalent points ) due to timing and system design, not due to any action or fault on my part. I contacted Bilt customer support, and they acknowledged the situation but stated they are not allowed to restore either the unused accelerator value or the lost points. Instead, they offered only XXXX XXXX points, which is significantly less than the value lost. I believe this practice is unfair and misleading for the following reasons : The system restores spending capacity upon refunds but does not allow consumers to actually use that restored value. Customers are not clearly warned that activating a new accelerator will permanently forfeit any restored capacity from prior periods. The policy effectively allows Bilt to retain value paid by the consumer ( via Bilt XXXX redemption ) without delivering the promised benefit. Requested Resolution : I respectfully request that Bilt provide one of the following remedies : Refund the proportional unused Bilt Cash ( approximately {$120.00} ), OR Credit the equivalent lost rewards ( approximately XXXX points ) Additionally, I request that Bilt improve disclosure of this policy to prevent similar consumer harm. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation