Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bilt Technologies, Inc.

Complaint narrative:
XX/XX/year> To : Consumer Fraud Protection Center Re : Bilt Rewards ( XXXX XXXX ) Theft/Fraud Bilt Contact Address : Bilt Technologies , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX Customer service email : XXXX Text XXXX Text XXXX Bilt Rewards Credit Card took {$6700.00} from my Chase account to make a mortgage payment ( to XXXX North ). Bilt then reversed the payment to XXXX XXXX and took the money back from XXXX XXXX and has not sent the money back to me. Bilt has since admitted I should be refunded my money but has sent me XXXX fake digital checks and I have not received my money. - I had been paying my mortgage through Bilt Rewards for approximately 1 year - They would charge my account, pay my mortgage company ( XXXX North ), and I would pay the Bilt the next billing cycle - The charge of {$6700.00} for XXXX North showed up on my Bilt credit card account around XX/XX/XXXX or XXXX, and I received a message from Bilt on XX/XX/XXXX that they will be taking the money out of my XXXX XXXX account within XXXX hours. This was a new process to take the money from my XXXX account the next day- this made the card useless to me. - XX/XX/XXXX & XXXX, XXXX - I reached out to Bilt and requested to cancel the charge/reverse and I would pay XXXX XXXX directly. - XX/XX/XXXX & XXXX, XXXX I received messages from Bilt that they cant stop this mortgage payment, but I can stop future payments by removing my linked bank account. - XX/XX/year> - I requested Bilt to close my account- XX/XX/year> got message from Bilt credit card was closed and account was still opened. I sent a text and email to close the membership as well. - XX/XX/year> Bilt texted a form to be completed which I did the same day to close the account. - XX/XX/year> I sent a request to confirm the membership was deleted on Bilts end - XX/XX/year> -received a text from Bilt that they cant confirm account is closed through the text chat team. - XX/XX/year> received email from XXXX ( XXXX ) which included the following - " If you have a specific pending mortgage payment you'd like to cancel, please let me know and I can look into cancelling it for you. Direct mortgage payments can be cancelled within XXXX business days of being created, as long as the payment has not yet been sent to your loan servicer. '' ( I had already requested the payment be stopped/reversed within XXXX hours of submittal which was about XXXX week ago ) - XX/XX/year> I responded to XXXX that it was easier to close the account - XX/XX/year> - XXXX received an email and text from Bilt that my payment to XXXX North did not go through. Bilt had taken the {$6700.00} from my bank account XXXX days earlier which was to pay XXXX XXXX and I was sent a message they can't stop the payment. - XX/XX/year> I reached out to Bilt, provided documentation that Bilt took {$6700.00} from my XXXX XXXX account to pay XXXX XXXX, reversed the payment to XXXX North and Bilt kept my money. Bilt had never let me know previously that the charge was being reversed after I sent several requests. - XX/XX/year> XXXX with Bilt ( XXXX ) responded with an email message that included the following : " We can confirm you received that notification today, as your XX/XX/XXXX payment of {$6700.00} failed and was reversed on XX/XX/XXXX. You should receive a refund to your bank account in XXXX business days. '' - XX/XX/XXXX & XXXX, XXXX -I reached out to XXXX XXXX about the charge and they responded letting me know that Bilt asked to reverse the charges and that the money would be returned to me. - XX/XX/year> - XXXX reached out to Bilt to return my money - XX/XX/year> XXXX sent an email stating my money would be returned in XXXX days - XX/XX/year> XXXX sent me an email stating that I would receive a digital e-check and provided directions on how to deposit the check. - XX/XX/year> I received the digital e-check and followed the instructions to deposit which included entering my XXXX XXXX routing and checking number. The check did not go through - XX/XX/year> I reached out to Bilt again, letting them know the check did not go through - XX/XX/year> I received the digital e-check and followed the instructions to deposit which included entering my XXXX XXXX routing and checking number. The check did not go through - XX/XX/year> Bilt sent a third digital e-check that did not go through. - Some additional emails and texts are not included. Most are me demanding my money back. I can send these as well if needed. Thank you in advance

Company response to consumer: Closed with explanation