ComplaintsforPetal Card, Inc.

• Initial Complaint

  08/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  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 response

  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

  06/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  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 response

  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

  03/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  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 response

  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

  02/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  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 response

  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

  01/06/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  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

  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

  08/10/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  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 response

  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
  
  
  
   
  

  
  

• Initial Complaint

  12/29/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On sept 29th I noticed a charge that was not mine on my credit card, I called and told them I did not charge that amount $1399. I was told it would be taken care of, the next day I called them since the charge went through and was told I had to wait till the charge went through before I could dispute the charge. So on sept 30th I disputed the $1399 charge. Oct 28th they said that I did make the charge, I then got verification from the company that supposedly charged me $1399 that the purchase was flagged as fraud and was cancelled, I had no charge from the purchaser. I sent petal all the information that I had to dispute the charge once again. I also called the company numerous times to find out what is going on and to make sure that I would not be responsible for the interest charges from the $1399. On November 1st I was charged $27.24 and $2.95 interest. I paid my **** in full minus the $1399 and was charged $50.08 in interest on dec 1st. On dec 15th they decided in my favor that I was not to be charged $1399, so the credited me $1399 and $27.24. I called them again and asked for the interest of $53.03 to be taken off my account. On Dec 28th I received an email stating that they would not be taking the $53.03 off my ****. I just want this to be over and have my account credited the $53.03 ( $2.95 + $50.08) I have always paid my **** in full every month since I had the petal credit card. So to be charged interest on something that wasnt even my charge is unjustified.

  Business response

  01/18/2022

  To Whom It May ********************** communication is in response to a December 29, 2021, submission to the Better Business Bureau (BBB) where a Petal cardmember alleges the cardmember is being charged interest for an unauthorized transaction. 
  Our records show the cardmember disputed a $1,399.00 transaction and on October 3, 2021, a provisional credit of $1,399.00 was applied to the cardmembers account. Initially, the dispute was found in the merchants favor and on October 28, 2021, the provisional credit was removed from the cardmembers account. However, after additional review, on December 15, 2021, the decision was reversed and permanent credits of $1,399.00 and $27.24 were applied to the cardmembers account. The two credits addressed both the original disputed transaction amount ($1,399.00) and associated interest ($27.24). 
  The cardmember claims interest charges of $2.95 and $50.08 should also be waived. However, these interest charges are unassociated with the disputed transaction and relate to undisputed charges made to the cardmembers Petal Card account. Furthermore, as evidenced by the cardmembers monthly billing statements for October 2021, November 2021, and December 2021, the cardmember did not pay the entire outstanding balance. Meaning, pursuant to the cardmembers **** Credit Card Cardholder Agreement, interest would be applied to the unpaid balance. As a result, we must deny the cardmembers request to credit the account $53.03. 
  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, *****************************
  
  

  Customer response

  01/19/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  
  

  I paid the total **** EXEPT for the $1399 in dispute. It was denied the first time BUT I contacted the business and have proof that they DENIED the charge. I should have not been charged at all. All of  charges were paid minus the $1399. So u charge people when they are in dispute the second time? Why would the charges been charged to me? The company did not even ship the item! So you decided to reverse the charges and the interest till you decide in my favor, but I still have to pay the interest for the 2nd dispute ??? Well thats one way of making money!!!  AGAIN I ALWAYS PAID MY CHARGES IN FULL EVERY MONTH EXCEPT THE $1399!
  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

  Business response

  01/28/2022

  To Whom It May ********************** communication is in response to a January 19, 2022, December 29, 2021, submission to the Better Business Bureau (BBB) where a Petal cardmember alleges the cardmember is being charged interest for an unauthorized transaction. The cardmember originally raised these claims on December 29, 2021. Petal responded to the cardmembers original submission on January 18, 2022.  
  Our records show the cardmember disputed a $1,399.00 transaction and on October 3, 2021, a provisional credit of $1,399.00 was applied to the cardmembers account. Initially, the dispute was found in the merchants favor and on October 28, 2021, the provisional credit was removed from the cardmembers account. However, after additional review, on December 15, 2021, the decision was reversed and permanent credits of $1,399.00 and $27.24 were applied to the cardmembers account. The two credits addressed both the original disputed transaction amount ($1,399.00) and associated interest ($27.24). 
  The cardmember claims interest charges of $2.95 and $50.08 should also be waived. However, these interest charges are unassociated with the disputed transaction and relate to undisputed charges made to the cardmembers Petal Card account. Furthermore, as evidenced by the cardmembers monthly billing statements for October 2021, November 2021, and December 2021, the cardmember did not pay the entire outstanding balance. Meaning, pursuant to the cardmembers **** Credit Card Cardholder Agreement, interest would be applied to the unpaid balance. As a result, we must deny the cardmembers request to credit the account $53.03. 
  However, as a courtesy, Petal will apply a one-time $15.00 goodwill credit to the cardmembers Petal Card account. This credit should be viewable on the cardholders February 2022 billing statement. 
  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, Inc.
  Compliance Department 
  
  

  Customer response

  01/31/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

   

  I had no outstanding balance except for the $1399 for sept, Oct, Nov, Dec. why was there 2 interest charges on the Oct billing? There was the $27.95 and also $2.95. Please tell me what balance was NOT paid during those months that I should have an interest charge for? I should not receive interest charges on $1399 that I disputed. You were in favor of the merchant till I proved that I did not make the charge. Even the merchant said I did not make the charge, therefore I should not be responsible for any or all the interest charges stemming from the $1399 charge that I disputed and proved by contacting the merchant and it was red flagged for fraud and never shipped. You should not collect any money from a disputed charge. If you declined the dispute and 3 months later you accept it, why should I pay the accumulated interest from the said disputed charge? 

   

  *******

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

• Initial Complaint

  12/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Petal Card pulled a hard inquiry on my credit file when I didn't apply for credit. I contacted them and informed that I that was a victim of scam and provided the evidence but they never removed the hard inquiry. I sent them deletion letter they completely ignored.

  Business response

  12/21/2021

  To Whom It May ********************** communication is in response to a December 2, 2021, submission to the Better Business Bureau (BBB) where a consumer raised concerns about a hard credit inquiry from Petal Card, Inc. (Petal) appearing on their credit profile.  We appreciate the consumer bringing their concerns to our attention. 
  Our records show on September 1, 2021, an application for credit in the consumers name was initiated. On September 2, 2021, an email was sent to the email address on record identifying the incomplete status of the application for credit. In response, the consumer sent a communication alleging they were the victim of identity theft and did not authorize the application for credit. That day, Petal sent the consumer a request for any documentation, including but not limited to a report filed with a law enforcement agency. Subsequently, the consumer presented a report as filed with a law enforcement agency to support their allegation of identity theft. 
  Previously, Petal determined there was sufficient evidence supporting the consumers contention that the application for credit was not knowingly authorized or submitted by the consumer. As a result, Petal submitted a request to the *************************** (CRAs) to have the hard credit inquiry associated with the September 2021 application for credit removed from the consumers credit report. It may take the CRAs up to 60 days to take action. 
  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, Inc.
  Compliance Department 
  
  

• Initial Complaint

  11/29/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have a credit card with this company. My phone malfunctioned along with its chip and I had to get a new number with a new phone. In order to access my account I have to be issued a soft code to the phone that is broken. Even though I've identified myself to them over the phone with my name, address, and social security number. I also have the password to my account. I have a non contract phone. My phone doesn't have a **** with my name attached. Petal says there's nothing they can do. I now will get late fees until I can reinstate that number(if I can). That phone is also a non contract phone. I never had to show a phone **** to change it to that number in August of 2021.

  Business response

  12/18/2021

  To Whom It May ********************** communication is in response to a November 29, 2021, submission to the Better Business Bureau (BBB) where a Petal Card cardmember raised concerns about updating their phone number of record and claims they are unable to make payments due to not being able to provide the documentation necessary to update their phone number of record on their Petal Card account. We appreciate the cardmember bringing their concerns to our attention. 
  Our records show on May 16, 2021, the cardmember was approved for a Petal 1 **** Credit Card account. On August 16, 2021, the cardmember contacted Petal requesting to update the phone number on record for their Petal Card account. On August 17, 2021, the phone number on record was changed from a phone number ending in **** to a new phone number ending in ****. 
  On November 22, 2021, the cardmember contacted Petal again requesting to update the phone number on record for their Petal Card account. The cardmember was advised that for security purposes, in order to make this change the cardmember would need to produce a **** identifying both the cardmember and the new phone number. Additionally, the cardmember was informed how they could obtain a statement from their phone provider with the requested information for a non-contact/prepaid phone. In response, the cardmember identified they could not produce the requested documentation and planned to default on their Petal Card account if the request was not withdrawn. 
  Pursuant to the cardmembers Petal **** Credit Card Cardholder Agreement (Cardholder Agreement), there are various payment options available to the cardmember outside of payment via the Petal Card app. For example, the cardmember can elect to send a check payment or make a payment over the phone with a **************** Representative. 
  Currently, Petal is unable to amend its documentation request. The cardmember remains responsible for making timely payments towards their Petal Card account. 
  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, Inc.
  Compliance Department 
  
  

• Initial Complaint

  11/23/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Tried to make payment and they requested bank statements which I sent I'm not on the account as it belongs to my husband but they wouldn't let me make the payment even with another account so my dilemma is my credit standing on payment are perfect aside from this debacle. What can I do?

  Business response

  12/09/2021

  To Whom It May ********************** communication is in response to a November 23, 2021, submission to the Better Business Bureau (BBB) where a Petal Card cardmember expressed frustration with not being able to make payments towards their Petal Card account from a bank account that does not belong to the cardmember. We appreciate the cardmember bringing their concerns to our attention. 
  Our records show on November 19, 2021, the cardmember attempted to connect a bank account that does not belong to them in order to make payments towards their Petal Card account. On November 22, 2021, the cardmember contacted Petal and confirmed the bank account they tried to connect does not belong to them. In response, the cardmember was informed that in order to connect a bank account to their Petal Card account the bank account must be in their name or they must be an authorized user on the bank account. 
  For guidance on how to make payments, the cardmember can review their Petal **** Credit Card Cardholder Agreement, visit *************, visit their Petal Card app, or contact Petal at **********************************. 
  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, *****************************
  
  

*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. ↩