ComplaintsforBlaze MasterCard

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Blaze Mastercard is in violation of the 7 in 7 Rule. This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period. Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt. The second part is where Blaze is in violation. Multiple phone conversations have occurred within 7 days. In lieu of taking this to court for the violations I would ask the account be closed, no further contact be made and the account be zeroed out as no balance owed.

  

  Business response

  01/16/2024

  This is regarding a Blaze Mastercard account and should be assigned to Blaze rather than ********

  Thank you,

  *******

  

  Business response

  01/19/2024

  This is in response to an inquiry we received on your behalf from the Better Business Bureau (BBB) regarding your Blaze Mastercard Credit Card, issued by First Savings Bank, account ending *****
  
  I understand from your BBB complaint that you believe Blaze Mastercard violated the Fair Debt Collection Practices Act (FDCPA) by calling you again less than 7 days after you had spoken with a representative.  In response, I reviewed the history of your account finding a technical issue in coding the outcome of your call.  The representatives incorrectly recorded the call as having no conversation, which prompted another call to be made before seven (7) days.  Please accept my apology for any inconvenience or difficulty you experienced as a result of the calls.  I have spoken with management in our Collections area to address the matter with the individuals involved and to correct any issues identified.  In response to your request that we close the account, credit the remaining balance and no further contacts be made, we have made these updates to your account, as a gesture of goodwill.
  
  I appreciate your brining this matter to my attention and the opportunity to respond to your inquiry, *** ********.  Should you have any further questions, please feel free to contact me at the number on the attached letter.

• Initial Complaint

  01/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I purchased a Christmas tree from ******** *** online that my son wanted. I ordered it on 8/31/23 and it still has not arrived. I’ve contacted the merchant many times and got a tracking number from their location in China to a residential address in Alaska. They told me they lost my address and needed it again, twice. I’ve repeatedly requested a refund from November on. I disputed the transaction with Blaze Mastercard only to receive a reversal stating ******** *** provided proof they sent it and proof of address which is on a USPS printed label which how can we send USPS from China? Also it says Connecticut not NY on it. What about consumer protection? I sent about 30 pages of correspondence to Blaze proving that my item never arrived. I am not paying for a product I did not receive and I don’t want to do business with a company that can not read yet claim they verified my address when Connecticut is not NY. USPS can not ship from China. As a consumer I feel that this poor excuse for a credit card company has no business sense or protection for their customers like EVERY other credit card company in the world. I’m providing the tracking number, ******** ******* has provided me with which will show it went to Alaska, not New York, which I provided to blaze MasterCard, but ******** ******* sent them a bogus different tracking information and they take that over the word of the consumer who sent them 30 pages of back-and-forth emails requesting a refund after they asked for my delivery address. Several times without refunding me. It is now January 6 and no product has ever arrived. Shame on. Both ******** ******* and blaze MasterCard

  

  Business response

  01/15/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you purchased a Christmas tree from *** ******** ******* * on August 31, 2023 in the amount of $59.99. You indicate that you contacted the merchant multiple times, but still have not received the item nor have you received a refund. Due to this, you filed a dispute through Blaze Mastercard, but the merchant denied your request for credit. You disagree with the dispute outcome and are requesting the transaction be refunded.
  
  On November 14, 2023, we reviewed your web dispute of the above transaction and placed the item into dispute. On December 28, 2023, we sent you a letter, explaining that the merchant denied your request for credit due to the billing and shipping information matched the information, which indicates the product was shipped to the appropriate party. Once a merchant denies a request for credit, we are unable to continue to dispute the transaction with the merchant. However, due to your numerous attempts to resolve this with the merchant previously, as a gesture of goodwill, we have credited the transaction. This credit will appear on your next monthly statement.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the number on the attached letter. 

  Customer response

  01/16/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21108865, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  11/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I reported my blaze credit card stolen/lost. I was still accountable for paying the balance. Every day a blaze representative would call me asking what can they do to help me pay off the balance sooner. They told me they would be sending me another card I never received the card instead they closed my account and had no idea they were going to close my account when I got a statement in the mail with zero credit available. I called blaze I asked about my account all they told me was it's been closed.

  

  Business response

  12/06/2023

  Dear ****** * ****: 
  This letter is in response to the correspondence we received from the Better Business Bureau. 
  I understand from your correspondence that you reported your Blaze Mastercard as lost/stolen, but indicate that you never received a new credit card. Your account was then closed and you believe you were not notified of the account closure. After noticing the account's closure, you contacted us and indicate that you were not given any information on why the account was closed and are requesting the account be reinstated. 
  Our records indicate that you contacted us on September 4, 2022 and reported that your credit card ending in **** was lost/stolen. This card number was shut down and a new account number ending **** was established. On September 6, 2023, the account was reviewed and because your account was over the credit line by $452.00, we were unable to send a credit card and the account was closed. We cannot issue a credit card on an account that is over the credit line or past due. Each of your monthly statements show the account had no available credit and under the Important Account Information, it advises that your account is currently closed. 
  Upon reviewing your account, we show no record of you contacting us about the account closure or requesting the account be re-opened. Since your account has been closed for longer than six (6) months, we must respectfully decline your request to have your account re-opened. 
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the number on the enclosed letter.

  

  Business response

  12/26/2023

  I am unsure how to proceed with this complaint. The cardholder has rejected my response 2 times. I am unable to open the account after it has been closed for 6 months. She was notified with every statement that the account was closed. She has also requested no further letters or emails (from the BBB regarding this case I assume she means) from me. I am the only one in the office due to the holiday. Could someone please review this case and let me know if I should send a response. Thank you,
  ******* 

  Customer response

  12/26/2023

  I misled 

• Initial Complaint

  09/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ***** **** **** Blaze Credit Card, I do not have a contract with ***** ******* ****, they did not provide me with the original contract as I requested. I demand this account be removed from credit report.

  

  Business response

  10/16/2023

  This case should be reassigned to Blaze Mastercard as it is about the credit card not the bank directly. You can contact me at the email address above. thanks

  

  Business response

  10/19/2023

  This letter is in response to the correspondence we received from the Better Business Bureau.

  I understand from your correspondence that you believe you are not liable for this debt and that you have previously requested a copy of the contract, but it has not been provided. You are requesting that the account be removed from your credit bureau report.
  
  On September 29, 2023, we responded to your credit bureau dispute claiming the account was fraudulent. We sent the enclosed letter, requesting that you completed the Affidavit of Unauthorized Use to assist you further with your fraud claim. To date, we have not received a response to this request.
  
  Due to your request for the signed contract, enclosed are copies of the monthly billing statements, reflecting the payment and purchase history on the account. Because the account was applied for online, no physical application is available. However, the information from the application is retained in our files and a copy of the Application Detail screen is enclosed.
  
  Regarding our credit bureau reporting, our records indicate on July 6, 2021, we received an online application in your name, with the address **** * ******** ****** ** **** **** Las Vegas, NV 89135, and the Social Security Number ending in ****. Your name, address, and Social Security Number were verified as a match against your credit report, so the application was approved and the account was established. The account was used for purchases and the last payment in the amount of $30.00 posted on April 26, 2022. The account subsequently charged off due to non-payment on October 12, 2022 with a balance of $1,797.02.
  
  We have completed our investigation and have confirmed the information that has been reported is an accurate reflection of the way the account was maintained. The information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting system. Therefore, we are unable to grant your request to remove or alter the information being reported to your credit profile.   
  
  If this account was set up without your knowledge or consent based on a fraudulent application, please complete and sign the enclosed affidavit of unauthorized use and return it to our office. In your response, please answer who at your previous address would have had access to your mail to receive the pre-approved credit card offer and our correspondence? Also, who has regular access to your phone with the number, ************, which was provided on this account’s application and is also listed as your telephone number on your complaint? Upon receipt of your response, we will be happy to investigate further.

• Initial Complaint

  06/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m a victim of identity theft and this company keeps reporting fraudulent information to my credit report

  

  Business response

  06/12/2023

  Please see the attached business response.

• Initial Complaint

  06/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Blaze MasterCard **** * ******** **** ***** ****** ** ********** Account #: **************** Hello, my name is Lakiesha *******, and I currently hold a credit card from Blaze MasterCard , which is my favorite of all the credit card I own. I mailed Blaze MasterCard several letters informing them of my financial hardship during this COVID-19 health crisis and recession. In the year of 2022 due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. Although I made a mistake by becoming behind, I have since maintained a clean track record of making payments on time, and I intend to keep doing so because I don't want to damage my relationship with Blaze MasterCard. I am currently trying to buy a house, but I am finding it difficult to get an affordable interest rate because of the negative impact this late payment has caused on my creditworthiness. I'm requesting an Accommodation under the Cares Act. I'm requesting an Accommodation under the Cares Act. Please update the late payment associated with the following account below to "Paid as Agreed" on my credit report, so I can get qualify for a mortgage with a low-interest rate & continue building my relationship with Blaze MasterCard. Account #: **************** Late Payment 30 days late september 2022 30 days late march 2023 60 dyas late april 2023

  

  Business response

  06/07/2023

  Please see the attached business response.

• Initial Complaint

  05/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been billed by this credit card company and I never asked them for credit nor do I have a card from them. I never activated any cards from them. I do not have a real account with them and this is made up.

  

  Business response

  06/08/2023

  Please see the attached business response.

• Initial Complaint

  05/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a Blaze card holder for a very long time, Just last Month April 2023 I was a victim of identity theft and fraud. Blaze****** ******* **** mailed me out my expired new card in Feb 17. 2023 I never recieved the card, unbeknownce to me I received an email alert that my card was activated not by me just to find out that someone charged *** on the card bringing my account over my credit limit on top of that the person who stole my information decided to pay off the balance with a fake checking account number. When I discovered all of this I called Blaze to report my card lost/stolen I automatically filed a dispute, I also had to close my checking accounts and reopen new ones because when I found out they paid off the balance using a checking account I could not take any chances of them having my banking information. What I am so perturbed about is Blaze decided to close my account without my knowledge and accused me of making a fraudelant payment because the payment came back as a NSF and the checking account was a fraudelent number, and to make matters worse they reported the incorrect balance to the credit bureaus so my credit score took a major hit. I had a *** score down to ***. I would like this rectifird by returning that money back to my account and report the correct balance to the three major Credit Bureaus

  

  Business response

  06/08/2023

  Please see the attached business response.

• Initial Complaint

  05/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was double charged by ******** ********* company for a $***** background check in which I had already paid. The company charged $***** twice for a background check. Once in Oct 2022 and again in March 2023. All background checks last a year. I provided this information to Blaze Mastercard.

  Customer response

  05/18/2023

  I have enclosed the charge on my credit card transaction and the payment receipt for the company.

  

  Business response

  05/23/2023

  Please see the attached business response.

• Initial Complaint

  05/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been doing business with blaze company for about three years now I really never questioned their business ethics until a made payment and a receipt invoice from a company name ach saying that they have drafted my account for $*** and $*** from account which was in the amount of $**** have never gotten a receipt from this company before I immediately call my bank ask them to check and see if I had did any trading or business with this company be for they said once maybe five months ago so they suggested i shut that card down my debit card and the receive a new one in ten day and they reversal that payment put it back in my account and I ASK if this company had a number and they gave me a number that turn into a fax line that scared me so talk to someone on the phone they told me the are payment center for a lot of company and base on that invoice they sent me it would not be able to tell anything until I HAVE more info on the company the were collecting payment for.So I went to the bank and receive cop[es of my bank statement and I realize that it was blaze I ask the bank if they could reverse the money back to blaze they said no so before I got back home to called blaze and explain they called me and I explained to them that I made a mistake and she told me that I should make a payment right to stop things from hurting my credit account so she suggested i make a larger amount so I MADE another payment for $**** and she told me they would send the$**** do;;ars back to the me so I made it and weeks went by and she said they sent it back to blaze on a certain day but the bank said they did not . So i kelp reaching to blaze and one thing would turn into another story , SO the bank realize that i had overpaid blaze as well and they stop on the $**** they sent to blaze and told them blaze keep repeating they sent it to debit card of the bank,,,,,,,but the bank said no it never happed so I ask blaze are you going to keep the $**** and the $**** but she said that I now I owe them $**** and she would like for me to get the bank on the line with her but she knows that against the LAW so she know the bank can not do that so I AM SEEKING GUIDANCE I ask why dont she just stop paying on the money she sent back but she said she can not .......now remember I only owe $**** from the beginning NOW its $**** can someone help me

  

  Business response

  05/17/2023

  Please see the attached business response.

*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. ↩