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Business Profile

Payment Processing Services

MasterCard International

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Payment Processing Services.

Complaints

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

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MasterCard International has 5 locations, listed below.

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    Customer Complaints Summary

    • 164 total complaints in the last 3 years.
    • 58 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/20/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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.
      On 19AUG2022 I purchased a custom couch from Interior Define (ID) for $5,266.36. The company has since filed bankruptcy and been accused of committing widespread fraud totaling in excess of $100M. On 20FEB2023 I received written verification from ID that my order would not be fulfilled. I attempted to be recompensated from Mastercard by filing a dispute, but as sixty (60) days had elapsed since the original date of purchase, my consumer protections, vis--vis Mastercard policy, were voided. I had no idea how vulnerable such policies would leave me. This is unacceptable. I spend upwards of $200K+ on my Citi Mastercard annually, paying off every monthly balance in full, even when my bill is close to $50K, and have been a loyal patron to the AAdvantage program for more than ten (10) years. In fact, I will reach 1M miles by the years end and am appalled by the lack of consideration I have gotten for this uniquely abysmal situation. People buy things requiring extended lead times often. Custom furniture is by no means an exception to this rule. Yet, apparently by Mastercards policy, we as the consumer are to assume 100% of the risk associated with these transactions regardless if we receive the merchandise at all. It should be noted too, that **** does offer safeguarding in these instances, so this policy is in essence, discretionary. As is clearly my mistaken choice in allegiance to this particular payment processing network for all of these years.Please, there must be something you can do.Thank you,-***************************

      Business Response

      Date: 03/22/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account and transaction data, initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. We have escalated the complaint with **** who will reach out and resolved directly with the consumer.
    • Initial Complaint

      Date:03/14/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 have purchased many gift cards and I have gotten many that were tampered with and I have always been refunded bc they knew it was tampered with and I didnt need a receipt they just sent me a new card . This time I am stuck with 3 100$ gift cards that were tampered with and were not refunded actually I was told wont be refunded. Here bc of this I had to look into the bigger picture and after calling a few times being hung up on and faced with dumbfounded silent master card employees I have been able to figure out for sure who the real scammers are. So I guess the big lie is that ppl go in take gift card from stores scratch a number and Cvv then put back on shelf so when I come to buy it they then take the money off. That would make sense and I have no clue how this is not a big discussion main stream bc what does scratching a number off a card have to do with the card working when it is scanned at register?? Correct answer it doesnt. The writing on a card does not constitute the bar code scan. That would be like saying if u scratch off serial number on a tv the tab wont work or if u remove a cars vin the car wont start. So first I would really like a reason as to how my card does not scan at store and gain whats written on card does not make the card not scan. Two employees were silent and one told me yea only the maker of the card could cause the card not to work. So why are we pretending there are scammers scratching numbers off. I from the answers I got from employees the only scammer is the maker of the card I just cant believe everyone is pretending it makes sense that a card wont register if a number is missing. Anyway I will attach the cards I need refunded also why cant but elk me the missing number from the serial number if there is a serial number and ur employees ask for it it has to be registered and only way to reg is to the card number. Plz refund the 200 that for now u guys stole and make hundreds of thousands on by making bar code not work

      Business Response

      Date: 03/20/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our ****************** to issuing and acquiring banks, who in turn issue cards and acquire cardholders.

      Please have the consumer contact the financial institution or bank that issued the cards for assistance. Typically, there will be a phone number on the back of the card where they can contact customer service.
    • Initial Complaint

      Date:02/23/2023

      Type:Sales and Advertising Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 was charged an annual fee of $89.00 on a credit card I did not activate and had applied for one month prior.

      Business Response

      Date: 02/23/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data but serves as the technology ensuring payments are processed. Cardholder accounts are maintained by the financial institution or bank at which they were opened.Please have the consumer contact the financial institution or bank where the card was issued for billing assistance.
    • Initial Complaint

      Date:02/21/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 registered my Mastercard for the Priceless promotion on *** Restaurant Week. Part of the promotion was a $10 rebate for $20 spent at ** Transit. I visited a participating restaurant and received the $10 rebate as promised. However, I spent $21.90 on ** Transit and did not receive the rebate included in this promotion. The charge showed up on my credit card statement as "*********************************************************." The purchase was made at the ** Transit ticket window at the ********************************************************************* as indicated on my paper receipt. I am attaching images of the charge as it appears on my statement and the paper receipt I received at time of purchase. I am sure if you check merchant number ****** you will find that it is ** Transit., Note that on the bottom of the receipt it says *** indicating location of purchase. I would like my $10 credit applied to my Mastercard account.

      Business Response

      Date: 03/06/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      The promoter has a running list of statement credits and will be issuing any outstanding rebates owed for the ************** Week promotion within the next few weeks.

      Customer Answer

      Date: 03/06/2023

      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:

      [Your Answer Here]

       This generic response does not say whether the credit will be issued. It just says it will issue outstanding rebates, but not specifically to ME. I would like to know if I will receive my rebate,  I am attaching image of purchase receipt. 

       

       

       

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


      Sincerely,

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




       

      Customer Answer

      Date: 03/22/2023

      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:

      [Your Answer Here]

      After investigation it has been determined the consumer did not receive statement credit for the transaction mentioned. The transaction has been added to the promoters outstanding list of missing credits and will be awarded to the consumer after 3/14.

       

      I have given the business a week to issue the statement credit. Thus far, it has not yet been applied.n 

       

       

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

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 03/27/2023

      We confirm the consumer has been added to the list of outstanding credits to be refunded. Refunds can take up to 30 days from the time the list was submitted to the promoter.
    • Initial Complaint

      Date:02/21/2023

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 got a gift card from my friend, a $50 prepaid Master card (debit). Upon trying to use it 1st time, it was declined. I tried using it later several times in store and online and I was not successful. Then I called their customer service 4 or 5 times by now where they did not help me. The main issue is that the system does not recognize the **** Every time I ask to speak to a supervisor they put me on a long hold and then hang up on me. I have already rated their service very low. which is very true per how they handle the case. The reason I am reporting it is because I believe this happens a lot with many and normally people don't want to spend their time on reporting these kind of issues. It looks like a good scam where they are collecting other people's money. Either they have to improve or be out of business.The card is from ********************** ****************** ************** Thank you,*****

      Business Response

      Date: 02/22/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn issue cards and acquire cardholders. Please have the consumer contact the financial institution or bank where the card was issued for assistance. Typically, there will be a phone number on the back of the card where they can contact customer service.

      Customer Answer

      Date: 02/24/2023

      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 have called the number of the card several times before making this complaint. The customer service is not helpful in any ways. They tell me that the card is locked because there were several attempts of entering a wrong ***. The system asks you to enter the *** which I do by entering the 3 digit number on the back. However it always tells me that a wrong *** was entered. This happens due to a faulty *** on the card or in their system. They also tell you to call in 24 hr after which you get the same response which goes in a cycle on and on. On my request to connect to a supervisor they hang on me.

      So, I see no one wants to take a responsibility. What is your solution to this issue?

       

      Thanks,

      *****

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 02/28/2023

      Based on the information provided in the complaint, the card issuer is U.S. Bank. The consumer may contact them directly at ****************.As previously stated, Mastercard does not have access to cardholder account data. We are unable to assist further.
    • Initial Complaint

      Date:02/15/2023

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 ordered a vanilla MasterCard egift card online I purchased in approximately 2 weeks ago from today which is 2/14/23 2 weeks prior to this I tried making purchases online with my egift card through MasterCard and I have a $200 gift card I started to try to use it online at a couple different websites and the car got locked out somehow so I contact the customer service the first time they give me a case number what's the first case number was ********** told me to call back or somebody will contact me within three business days a week and a half later still no call I call up again this time I get another case number case number ********** so just called and they told me oh somebody will contact you in 3 days I should listen I've had my money tied up with this gift card for over 2 weeks almost two weeks I said I need my money for what I've purchased I said nothing got spent I want the card I want it unlocked and I want to be able to get my money with no such success she told me another 3 days so I just called in tonight on ***** and I got another 3 days out of the lady her name was ******** with vanilla MasterCard gift cards online I should all I want is my $200 back and I said I'll never purchase one of these cards again I specifically said that now they are stealing from me I purchased a gift card to use online why the car got locked out I have no idea I haven't gotten anything out of them every time I call ************* and then I sit on hold for 45 minutes waiting to speak to somebody and then when I do I get a ******* lady on the phone that barely speaks English and it's like they know that I don't have my money that they did something with it possibly I don't know but I purchase something and never got it as far as I'm concerned right now because for two weeks I've had a gift card that I had to write down the numbers thank God I did because when I wrote down the numbers and the CCV security number and the date and everything the minute I tried checking the balance online it showed up unavailable I feel as though MasterCard has stolen for me because this is over two weeks I still haven't got my money still haven't gotten the gift card but yet every time I call it's three days three days three days well they've had two weeks of three days going on three now

      Business Response

      Date: 02/21/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn acquire cardholders and manage their accounts. Please have the consumer contact the financial institution or bank where the card was issued for assistance.Typically, there will be a phone number on the back of the card where they can contact customer service.

      Customer Answer

      Date: 02/24/2023

      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:

      [Your Answer Here]

       Like I started I called the number on the back of the card is a MasterCard gift card you company is clearly in the front of it yet when I call it in on hold for almost an hour at a time then to only get a ******* lady who speaks very little English and keeps telling me 3 business days for claim maybe I wouldn't have a company adjusted with whoever the gift card service is with I'm out the money on the card is either 200 or 250 I can't remember but if it were my company and this happens I would no longer affiliate with the gift card company because when it says MasterCard on it **** isn't responsible I would assume it would be MasterCard would be responsible for it and the number on the back of the card is not worth even the air that I consumers trying this response back to the company who is on the front and back of the card so with it being said who is responsible then please enlighten me then? Ask I'm saying is I paid for a MasterCard gift card then to only have my money vanish into thin air 


       

       

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


      Sincerely,

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




       
    • Initial Complaint

      Date:02/08/2023

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 am a teacher at Los Angeles Unified School District. On December 16, 2022, the parents from my classroom pitched in money and got me a very generous Mastercard gift card for $500. These are not wealthy individuals, just regular people who were really appreciative. I kept the card for a few weeks before registering it. Upon registeration, I learned that the card only had a few dollars remaining on it. I checked the transactions and the card was used twice at Home Depots in cities I do not live of work near. I contacted the room parent who purchased the card who contacted Mastercard. I decided to contact them as well. We were both connected with highly unprofessional individuals who gave conflicting information. I was told to wait for documents I would fill out and send in, and would then receive a new card which could be loaded with the correct amount. 3 weeks later I received a letter saying after the investigation they found that no error occurred and no correction would be made. I am livid by the lack of transparency and professionalism with Mastercard, as are the parents of my students. The letter stated I could request documents used during the investigation yet the rep I spoke to acted surprised when I asked.the card was also used BEFORE I registered the card! When I brought this up the rep said, ya I noticed that too thats strange. I do not believe any investigation took place. My room parents will also be filing complaints if this is not rectified. Claim number: ****** Card ID: **********

      Business Response

      Date: 02/09/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data but serves as the technology ensuring payments are processed. Cardholder accounts are maintained by the financial institution or bank through which they were issued.Please have the consumer contact US Bank, the card issuer in this instance, for assistance. Typically, there will be a phone number on the back of the card where they can contact customer service.
    • Initial Complaint

      Date:02/07/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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.
      There was a false chargeback done in my account through mastercard, my PayPal history shows the the amount in question was a legitimate amount sent to me and even confirmed but the sender 3 times to the merchant and to PayPal yet they refuse to reform my funds they held until 75 days which had put my account in negative which I had to fix and had taken away the money I had in there which is rightfully mind and holding it till 75 that does not being to mastercard. I'm getting no help from anyone at PayPal and their attitude toward the whole situation is oh well you just have to wait. Mastercard is keeping my money that was a accurately sent to me by its card holder and if checked cordon they can see its not the first time that the amount in question was sent to me is a pattern. They are not song the right thing by returning my funds to my PayPal account.

      Business Response

      Date: 02/08/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account and transaction data, initiate refunds or dispute transactions on behalf of cardholders, only the issuing bank does. The consumer should contact her bank for assistance with the dispute.

      Customer Answer

      Date: 02/09/2023

      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:

      [Your Answer Here]

       There is not a issue with my bank is a issue with the bank of mastercard. They are the ones that have made a decision against my PayPal account. 

       

       

       

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


      Sincerely,

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




       
    • Initial Complaint

      Date:01/17/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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.
      Today My Citibusiness select card was rejected I spent 2 hours on the phone being bounced between *************** mand ** trying to resolve this. All this should be on record. The ability to do the security check is impossible and the entire process of dispute resolution and trying to get a knowledgeable person on the phone is dysfunctional. Really scary how poor the process is. How poorly trained the staff is, how difficult it is to get a simple answer -- how poor quality the call service is that is not understandable. At least 17 times had to give the same information. It is still not resolved but I am in the ****************** so gave up.

      Business Response

      Date: 01/17/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account data. We are only the technology provider licensing our processing network to issuing and acquiring banks, who in turn acquire cardholders and manage their accounts.

      We have forwarded the consumers complaint to our internal contacts with the issuing bank who will reach out directly to resolve.

      Customer Answer

      Date: 01/17/2023

      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:

      This is nonsense -- this is a ******** Mastercard and I called the number on the card and it is that group I have the complaint -- this is a confusing and inadequate reply. 

      Who then should receive the BBB complaint?   Send contact info not generic unhelpful responses. 

      Both ******** and Mastercard are at fault here and need to resolve this totally frustrating, poor experience -- I am sure there are millions of similar bad customer service experiences and I have had several myself with agents asking endless security questions and NOT resolving the problem.

       Sincerely,


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




       

      Business Response

      Date: 01/18/2023

      The number on the back of the card typically takes the consumer to customer service of the card issuer, in this case ********. As stated previously, we have already escalated the complaint to ******** who will be reaching out to the consumer to resolve.
    • Initial Complaint

      Date:01/12/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      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 ordered a gift card from Mastercard Gift Cards for a friend to use. That friend told me that they could not use the card and are now refusing the gift. As a result, since this is a gift that I have sent directly to someone else's gift card and that person is refusing to accept, the gift no longer has a valid recipient. I have called Mastercard to open a case to refund the card, but they claim that they are unable to do so because my friend provided the wrong card information.I do not fault my friend for providing the wrong information, mistakes happen all the time. However, when I was explaining my situation to the customer service representative, they went silent for a long time and spoke over me as I was explaining the situation, pretending that the line has disconnected and ending the call. This is unacceptable behavior from a representative.The case number I have with Mastercard is attached in a PNG. I would like a refund for this card because this is now a gift without a valid recipient. My friend has made it clear to me that they do not want the card anymore and I have already worked with them to find an alternative gift. I do not have a claim to this card because it was a gift; it is unethical. Please help me get a refund for this card.

      Business Response

      Date: 01/13/2023

      Mastercard International Incorporated (Mastercard) is in receipt of the consumer complaint served on it in connection with the above-referenced matter.

      Please be advised that Mastercard does not maintain cardholder account and transaction data or initiate refunds on behalf of cardholders, only the gift card program manager/issuing bank does. The consumer should contact the number on the back of the card, or the number listed on the website where the card was purchased to speak with an issuer representative for assistance.

      Customer Answer

      Date: 01/17/2023

      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:

      [Your Answer Here]

       

      As I stated in my original message, I have done my due diligence and reached out to the business. The number they provided me to do so is **************, along with the case number ********. When I was on the phone, the agent I spoke with feigned a connection issue to end the call with me without giving me any chances to explain my case. I am reaching out to the business through BBB because this is an unfair practice in which they are passive-aggressively refusing my case via their official support channels.

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 01/18/2023

      ************** is not a number associated with Mastercard, this is Vanilla Gift Card customer support. The consumer needs to continue speaking with the card program manager (Vanilla) for a resolution, Mastercard is unable to assist with the refund request.

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