Complaints

This profile includes complaints for CardWorks Servicing LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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CardWorks Servicing LLC has 9 locations, listed below.

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  CardWorks Servicing LLC

  101 Crossways Park West Woodbury, NY 11797

• 

  CardWorks Servicing LLC

  Better Business Bureau 5673 S. Redwood Rd., #22 Taylorsville, UT 84123

• 

  Card Works Servicing

  225 W Station Square Dr Pittsburgh, PA 15219-1174

• 

  CardWorks Servicing LLC

  PO Box 9216 Old Bethpage, NY 11804-9016

• 

  CardWorks Servicing, LLC

  PO Box 31032 Tampa, FL 33631-3032

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.

• Initial Complaint

  Date:12/05/2023

  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 received a letter from a ***************** called Carson ***** Field stating that i owe ******* to a bank calle Ally . Never heard of that bank until yesterday . I called the online Bank they doni have any record of me

  Business Response

  Date: 01/02/2024

  We are in receipt of your letter regarding the complaint (#********) filed with your office by *************************. We have updated the account to reflect the customers request to receive no further communication.

  Carson Smithfield, LLC is a third party collection agency contracted by Ally Lending to collect on outstanding installment loan balances.Ally Lending remains the owner of those installment loan accounts.
  
  The records that Carson Smithfield, LLC received from Ally Lending indicate that this loan account was initiated with Ally Lending to be used for services with ************************************ As no payments were received, the account became past due and charged off with a balance. The account was then placed with Carson Smithfield, LLC for collections, and a letter was sent to the customer regarding a settlement offer.
  
  We recently received an inbound call for this account;however, the caller declined to provide information to verify their identity,and therefore, no account details could be provided.
  
  As the complaint indicates that the customer is not familiar with this account, their concerns were forwarded to Ally Lending to be reviewed for identity theft. For further information, we recommend contacting Ally Lending directly at PO Box ****, ************, ** 11804.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  Carson Smithfield
  Customer Service

• Initial Complaint

  Date:10/31/2023

  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 have a credit card account with **** ****************** and I also pay my rent through the **** company and receive reward points for doing so. On October 1, 2023 I attempted to pay my rent through the **** rent portal and was unable to do so because my credit card bill reported a negative balance caused by a charge in the amount of $2996.32. This amount is the exact amount of my September 2023 rent, and instead of crediting it to my rewards account, they listed it as a charge to my credit card. I contacted **** about the issue that day and received an email from ******************** of the **** Rewards Support team stating that she had corrected the error and adjusted my credit card balance. On October 30, I saw on my October credit card statement, a negative balance caused by a charge on September 28, 2023 in the amount of $2973.23 as a BPS Bilt Rewards. This amount is the same as my rent that I paid in August 2023 through the **** rent portal and instead of applying the amount as a reward, they applied it to my credit card as charge. I contacted the credit card rewards department and the credit card department and did not receive any help. The rewards team referred me to the credit card department and the credit card department said that I had to talk to "Corporate" because it looked like an accurate charge. I need to have this corrected because **** is demanding that I pay $3112 by November 21 due to error that they won't correct. My credit card number is *******************, exp, ******

  Business Response

  Date: 11/16/2023

  We are responding to the complaint dated October 31, 2023,from our ************ Card customer ***************************, on behalf of BILT.
  
  Our records indicate that the account was inaccurately charged from the customer's rewards program. Subsequently, the account was adjusted to correct this error and a notification was issued to the customer.
  
  A second inaccurate charge was made to the account from the customer's rewards program. As no payment was received by the customer's due date, a late fee was assessed to the account. The customer's statement was issued reflecting the inaccurate charge.
  
  The customer contacted our *************************** regarding the increased balance. Our representatives accurately submitted an adjustment request on the customer's behalf. Subsequently, the account balance was corrected. As a courtesy, we have waived the aforementioned late fee.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  BILT
  Customer Service

• Initial Complaint

  Date:10/24/2023

  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 am not liable for the debt with CW NEXUS CREDIT CARD HOL. I do not have a contract with CW NEXUS CREDIT CARD HOL, they did not provide me with the original contract as I requested.

  Business Response

  Date: 11/02/2023

  RE: Reference ID: ** *****************************
  
  Dear Sir or Madam,
  
  We are in receipt of your correspondence dated October 24,2023, regarding the above-referenced account for our ********************** *************************************
  
  Our records indicate that the account was opened with ******************* with an electronic application. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature,contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.
  
  Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account.
  
  We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation,the identity theft claims were denied as the account information matches their personal details, which includes their name, date of birth, social security number, address on file, address on the application, email address, and phone number. As such, responses were provided directly to the CRAs confirming that the account is reporting accurately.
  
  Upon receipt of the customer's complaint, we conducted an additional investigation regarding their claim of identity theft. We subsequently sent a letter to the customer's address on file advising that their claim was again denied based on the above outlined investigation.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
  
  Thank you for the opportunity to respond.
  
  CW Nexus Credit ************* I, LLC, as administrator
  Customer ******************

• Initial Complaint

  Date:10/11/2023

  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 am not liable for this debt with *******************.I do not have a contract with this collection agency trying to collect and report to my credit report.They did not provide me with the original contract as requested. I demand that this account be removed from my credit report.

  Business Response

  Date: 10/26/2023

  We are in receipt of your letter regarding the complaint (#********) filed with your office by **********************************
  

  Our records indicate that the customer's account was opened with ******************* with an electronic application. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.
  

  Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. After charge-off, ****** **********, LLC, was contracted to collect on this balance and the customer accepted a settlement arrangement. Upon receipt of the customer's subsequent agreed-upon payments, the account was accurately updated to Settled for less than the Full Balance, was a Charge Off.
  

  Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that the customer direct any ********************** reporting inquiries to *******************.
  

  Thank you for the opportunity to respond.

  Sincerely,

  
  
  ****** **********
  Customer Service
  
  ********************
  ******************************************
  *** *****
  *********** ** *****