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Business Profile

Credit Cards and Plans

Petal Card, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Cards and Plans.

Complaints

This profile includes complaints for Petal Card, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Petal Card, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 158 total complaints in the last 3 years.
    • 39 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/04/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid off and closed my account with ********************** at the beginning of June (after NEVER being late or missing a payment) It reported to my credit as a $0 balance and closed. Fast forward to the end of July... I get a notification from my credit report that I had a 54 point drop, and when I checked, it showed the balance that I had paid off, and as an open account. I have contacted then numerous times and I keep getting the runaround.. "its been escalated, someone will reach out, bla bla bla" Nothing is being done. They incorrectly reported me to the credit bureau and my score took a massive dive. I'm not happy... I want my points back. I cant get anyone with any authority to contact me, I have called several times, emailed them 3 or 4 times. This is ridiculous. I'm not asking for something that I'm not entitled to. It cant be that hard to look at all of the documentation I have given them (same as I have provided here) and fix their error. I provided several pieces of documentation to back up my claim.

      Customer Answer

      Date: 08/09/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      *************************************



       

    • Initial Complaint

      Date:06/16/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This credit card company will not close my account per my request about a year ago. Furthermore, they boast hours of operation via phone support of 9:00 -8:00 pm but for days I have tried to call them and have waited as much as 6.5 hours for someone to answer the phone.

      Customer Answer

      Date: 06/16/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      *****************************



       

    • Initial Complaint

      Date:03/01/2023

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I submitted application for a petal credit card last week in February 2023 and a credit report was pulled and not its under review for weird reasons and I received a phone call today February 28 2023 and I miss the call and I call back and the customer service saids they dont have no information and I have to wait few weeks for a decision I just want a decision so I can either accepted it or denied it more likely I will turn it down because of the annual fees because I have a good credit history and high credit limits on other cards

      Customer Answer

      Date: 03/01/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      ******************



       

    • Initial Complaint

      Date:02/02/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I applied for and was approved for **** credit with this company. At first, I had no problems I charged on the card and paid my bill on time. It was not until, I attempt to pay my bill in full by check that problems started. On January 10, 2023, I mailed in a payment. After days went by and my account was not credited, I began calling almost daily inquiring about my check and was told give it more time. About the 24th of January, I call again and was told it was not received keep checking back. On January 26, my account became past due and my check still was not processed. I was ******, I was charged a late fee and now more interest. On January 30, I called again still no check processed so I mailed another check priority mail on the same day with a tracker. I called back on February 1, 2023 to inquiry about the second check sent and was told they didn't not have it after a 10 minute wait. I was really ****** now because the postal service confirmed the mail was delivered to them at **** am and I was calling at 230 pm. It was not until I argued some and confronted them with the tracking confirmation that they said oh we got it and your account will be credited in the morning. What has me even more upset is they charged me late fees and more interest and not willing to credit that back to my account. This company is turning out to be a rip off would not advise anyone to applied for this card.

      Customer Answer

      Date: 02/09/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      ***************************



       

    • Initial Complaint

      Date:01/06/2023

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I placed an order with the total of $125.54 using Klarna and the first payment was made with a Petal card 10/8/22 for $31.38. I never received the item so I filed a dispute with Petal for the amount. I was re-sent the item by the merchant and ****** reset my balance to the original amount since Petal took back $31.38 for the dispute. I contacted Petal about this and gave them proof from ****** that there was a direct debit chargeback. Meaning they no longer have the money since Petal took it back. Petal still refused to apply that to my account and charged me $31.38 again even though ****** no longer has the money. Filing this dispute for a refund of $31.38 to my account. Makes no sense to end up paying more than the original $125.54 I owed. Stop ignoring the receipts I provide you from Klarna.

      Business Response

      Date: 01/20/2023

      To Whom It May **************** communication is in response to a January 6, 2023, submission to the Better Business Bureau (BBB) where a Petal cardmember alleges that after filing a dispute for a $31.38 transaction, Petal will not provide the cardmember a refund or tender payment to the impacted ************************** show on November 13, 2022, the cardmember submitted a billing error dispute concerning a $31.38 transaction alleging a product the cardmember ordered was never delivered. After an investigation, on December 27, 2022, Petal found in the merchants favor due to evidence that the product had been delivered; both the merchant and the cardmember confirmed delivery of the at issue product. 
      On December 27, 2022, the cardmember contacted Petal alleging the merchant had not been paid the $31.38 for the product. Petals records show that the merchant was paid $31.38 for the at issue product and will provide documentation evidencing the payment upon request.  

      For the reasons listed above, we must deny the cardmembers request to refund the disputed amount to their Petal Card account. 
      We appreciate the opportunity provided by the BBB to address the complainants concerns. If the cardmember still has questions the cardmember may request to speak with a member of our team by contacting us at ************** or **********************************. 
      Sincerely, 
      Petal Card, Inc.
      Compliance Department 

    • Initial Complaint

      Date:08/10/2022

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I made an order online with ******* on Aug 4th. There was a pending put on by *******. The next day the 5th ******* charged the order. Normally The pending would be removed as soon as thr charge went through. I contacted ******* they said the pending hold was because of Petal So I contacted Petal to get the hold removed. They simply do not respond. All I want is to have that hold removed. The issue is with Petal not ******* ******* already charged me. Not happy with this company

      Customer Answer

      Date: 08/12/2022

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      ***********************

      its been resolved



       


    Petal Card, Inc. is NOT a BBB Accredited Business.

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