ComplaintsforDeserve

• Initial Complaint

  06/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  To Whom It May ************* Deserve Inc,I am writing to file a formal complaint against Deserve ******************* for an erroneous late payment report on my credit file for April 2021. Despite being a customer since 2017 with a flawless payment history and auto-pay setup, Deserve has inaccurately reported a late payment. I have provided substantial evidence of my timely payments and have disputed this error with the company over 20 times to no avail.The lack of response from Deserve's customer service is unacceptable, and their inability to verify or review my closed account from a year ago is highly concerning. This ongoing inaccuracy in reporting is not only misleading but also a direct violation of the Fair Credit Reporting Act. I demand that this error be corrected immediately on my credit report.If Deserve fails to address this issue promptly, I will be forced to take further action for non-compliance with the Fair Credit Reporting Act.Sincerely,*****************************************

• Initial Complaint

  06/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you of the identity theft that has resulted in fraudulent accounts being reported in my name. Under 15 U.S.C. 1681c-2, I demand an immediate block of this erroneous information from my credit report.Pursuant to 15 U.S.C. 1681c-2, you are required to:Block the reporting of any information related to the fraudulent accounts identified as a result of identity theft.Do this promptly, so that these fraudulent accounts no longer appear on my credit report.Ensure that the blocked information is not reported to other credit reporting agencies.Additionally, under 15 U.S.C. 1692g, I am exercising my right to request proper debt validation. You are required to provide the following within 30 days:Verification of the amount of the debt.The name of the original creditor.A copy of the judgment (if applicable).Proof that you are legally authorized to collect this debt.Copies of any documents that prove I agreed to pay what you claim I owe.Failure to comply with these legal obligations will leave me no choice but to hold you civilly liable under 15 U.S.C. 1692k for defamation of character. The continued reporting of these fraudulent accounts and the lack of proper debt validation are damaging my creditworthiness and reputation.Please be advised that I expect a prompt and thorough response. If these accounts are not removed and the required validation is not provided within the stipulated time frame, I will pursue all legal remedies available to **** look forward to your immediate action to resolve this matter.

• Initial Complaint

  03/26/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I am writing to bring to your attention an issue concerning a recent transaction made on my M1 credit card powered by Deserve. On 8/3/2022, I utilized my credit card to pay for services provided by ****************** However, subsequent to this transaction, it has come to my attention that ***************** has filed for bankruptcy, rendering them unable to fulfill the services for which I have paid.Transaction Details:Date of Transaction: 8/4/2022 Transaction Amount: $1,950.00 USD Merchant Name: ***************** Description of ********************** services to correct teeth alignments. Services were never fully rendered: teeth alignment was never corrected, refinement aligners were never sent, and retainers were not shipped despite the purchase agreement stating these services would be rendered.Given the circumstances of Smile Direct's bankruptcy, I find myself in a position where I am unable to obtain the services for which I have already paid. As a result, I kindly request that you facilitate a refund for the transaction amount to my credit card account.I understand that according to M1/Deserve's policies and consumer protection laws, I am *********** seek reimbursement for transactions that were not fulfilled due to circumstances beyond my control, such as the bankruptcy of the service provider.I have attached relevant documentation, including proof of transaction and evidence of Smile Direct's bankruptcy, for your reference and verification.I trust that you will handle this matter with urgency and fairness, and I appreciate your prompt attention to this issue. Please inform me of any further steps required from my end to facilitate the refund process.Thank you for your cooperation and understanding.Sincerely,*********************** Bankruptcy case information: *************************************************************

  Business response

  04/17/2024

  Thank you for the opportunity to respond to the complaint from ***********************.  Please note that we did not receive this complaint until April 16th from the BBB.  We tried calling the BBB numerous times to figure out why this was not sent until just recently, but no one has ever been available to discuss.  Regardless, we will respond as we do for all BBB complaints.  In his complaint, **************** suggests that he is potentially due a refund for a charge from 8/4/2022, due to a failure to deliver the agreed services by the merchant.  It's worth noting that **************** is not complaining about any interaction with Deserve regarding this charge as he has never reached out to Deserve to submit a transaction dispute.  **************** is, instead, using the BBB platform to initiate such a request.  Deserve notes that this is not the proper forum for submitting this type of request, which would need to be filed directly with Deserve.  Nevertheless, Deserve is able to provide some details that *** be of use for **************** regarding this transaction.  Due to the age of this particular transaction, there are no inherent rights for **************** to recoup these funds.  Most transaction disputes, with few exceptions, have to be disputed within ********************************************************************************************** dispute.  Beyond that, if a customer has already paid the transaction balance or if the claim is more than a year old, there is essentially nothing that the card network or Deserve can do to assist with any sort of reimbursement.  Deserve would suggest that **************** try to work with the company directly or file a claim with the Bankruptcy court that is handling the merchant's bankruptcy proceedings.

  Respectfully,

  The Deserve Team

• Initial Complaint

  01/11/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I have a ***************** credit card ending in 4382.I received a response from deserve that upon my request this department will be reporting my account to EQUIFAX credit bureau. I want to clarify if deserve have contacted EQUIFAX credit bureau and sent them a re insertion request for this account to be added to EQUIFAX. I want to know if deserve have (reached out to equifax) to request for a credit bureau update? Im asking due to the fact that, ** getting different replies with too many different answers. I want to know if deserve is MOST DEFINITELY going to do what you said you would do. Which is REPORT MY ACCOUNT TO EQUIFAX CREDIT BUREAU?

  Business response

  01/25/2024

  Thank you for the opportunity to respond to the complaint from ************************  Deserve can confirm that we are working directly with Equifax to establish our technical communication link to be able to report **************' account to Equifax.  This process has been escalated to the highest levels within the organization and we are working as quickly as we can to get this set up.  We have reached out to ************** regarding this process and that this may take several more weeks to complete.  We have also mentioned to ************** that we will reach out to her directly for any status updates and that we appreciate her patience as we resolve this issue for her.

  Respectfully,

  The Deserve Team

  Customer response

  01/25/2024

   
  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.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  11/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  Back in August 2023 Deserve has been charging me late and returned fees as well as interest on a credit card payment that was for $70. I kept calling them and trying to make the full and final payment on my new bank account, but their system would not allow me to input the new bank info and would automatically charge my old bank account. I have called and emailed several times to change it and they say it's been fixed try it again and the same thing would happen and end up charging my old acct various times, making the fees go up and now they're saying I owe $230.90. I keep telling them it's not my fault but they're system keeps s******* up and they want me to pay all that money which is not fair and is illegal since their system is s******* up my acct. I have no problem paying the $70 I owe, but they refuse to waive the fees their system is at fault. I have tried several times thru all this ordeal to make the payment, but it wouldn't give me the option to and automatically charged the old, closed acct several times, and now it's over $200 which is pure theft on their part.

• Initial Complaint

  10/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  On October 17th, 2023. I Lavascia Amiri Received an Fraud Alert via my Experian Application regarding a Fraudulent Application being Processed under my social security Number. I Immediately called the company *********** via phone call and was told no application under that social security matched any records on file. i was then transferred to a supervisor that was able to find the fraudulent application and immediately deleted the fraudulent application.

  Business response

  10/30/2023

  Thank you for the opportunity to respond to the complaint of ********************  Unfortunately, we're not sure what the complaint is.  If it's related to a soft credit pull, please keep in mind that this is not something that affects a person's credit.  A hard credit pull, which can affect credit, is only done if an account was opened.  It appears that this was resolved before that happened so there would be nothing to correct.  Please contact our call center if you have any additional questions.

  
  Respectfully,
  The Deserve Team

• Initial Complaint

  08/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  BlockFi reported bankruptcy in November2022. I have a credit card with them which i had some balance when company ceased operations. I continued to make payments until May/June2023 when blockfi's payment portal (********************************************) stopped working. Their customer care number ***********) was and is not working as of today too. Deserve which i think is the underwriting company reported the account as delinquent (late) which has taken my credit score down by more than 80points. Please fix this reported issue as your companys online web payment portal was not working and more over the customer service number ***********) listed was and still is not working and i was trying to reach it multiple times to make my payment.The account has been fully paid as of now when they created the new payment portal by deserve.blockfi.com.

• Initial Complaint

  08/15/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Unanswered

  More info

  I never used my card from truebill/ rocket money. I had it as backup in the event I had a sudden emergency. I checked it earlier this year, and like many others had a random hold on the account. There was no communication about this or why, but okay. I sent an ***il to the card providers asking for more info. Never heard back. Now, while cheerfully telling me to call (when their phone lines are off, mind you) Deserve **** a company I have never encountered before or recognized is telling me that my 700+ credit score was not enough and that they closed the account effective immediately. What? The account I had not tried to use in the least? The one Id heard nothing from? I then had several vague ***ils telling me to contact the credit score people and ask them why my account was closed. I have no idea who this company is but it is incredibly alarming to have an ***il out of thin air tell you theyve impacted your credit and closed an account without your knowledge or consent and then try to brush you off. I will be seeking more information and reporting them in every way I can. There is no excuse to be both glib and ignorant in the same chain of communication when someone is confused and asking to have context for an *** that impacts them in a real world way. I dont care about the card, I care about the pull to my credit without my consent or knowledge and then a closure to an account with no prior warning by a 3rd party. If this was the attempt at de-escalation, it failed. Im way beyond escalated. I want this off my report and nothing to do with them.

• Initial Complaint

  08/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  This complaint is regarding an event that occurred on July 31st, 2023, around 6:20 am PST, at the Circle K located at **********************************On that day, I attempted to use my Fry's fuel points to purchase gas due to the .90 cents per gallon discount offer, which was ending. However, despite several attempts to enter my rewards number, the system at Circle K repeatedly displayed an "invalid number" message. Circle K prompted me to insert my *********** Signature Card before I could enter my rewards number. then proceeded to ***** fuel center at *********************************, where I successfully used my rewards points to pay $18.10 for gas.To my surprise, upon reviewing my credit card transaction history, I discovered two gas charges. One was the correct charge of $18.10 from Fry's, while the other was an erroneous charge of $86.84 from the Circle K at ********************************** ******** Civic has limited fuel capacity, and it was only half full when I fueled up at Fry's. It's evident that the $86.84 charge is inaccurate and unauthorized.I did not authorize anyone to use my card for a gas purchase, nor did I enter my card details on anyone's behalf on July 31st. I request Deserve's urgent attention to rectify this situation and ensure the correct billing of $18.10 from Fry's is the only valid transaction.

• Initial Complaint

  07/28/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I'm not liable for this debit with DESERVE or BLOCKFI or EVOLVE. They did not provide me with the original contract as I requested.

*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. ↩