Credit card -- Problem with a purchase shown on your statement -- Complaint #18664539
Complaint Overview
Complaint ID: 18664539
Company: Firstpoint Collection Resources
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2025-12-05T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Unlawful Contract Modification and Unauthorized Charge by XXXX XXXX I am submitting a formal complaint regarding XXXX XXXX for unlawful billing practices, unauthorized charges, and improper contract modification without my consent. I have been a XXXX customer for over five years. When I signed my original contract, there was no requirement to provide a 30-day cancellation notice. XXXX recently charged me for an additional month ( {$55.00} ) solely based on a contract update that I never received, never reviewed, and never agreed to. XXXX claims they sent emails about updated contract terms, but email notifications do not constitute legal consent, nor do they override a written signed agreement. XXXX has not provided : a copy of the original signed contract, proof that a 30-day notice clause existed, or any documentation showing that I agreed to new terms. When I attempted to cancel on XX/XX/XXXX, XXXX attempted to charge two additional months, then forced a one-month charge based on an unauthorized and unlawful policy. This is a violation of fair billing practices and consumer protection laws. I request that CFPB investigate XXXX billing practices, improper contract modifications, and refusal to provide my original signed agreement.
Frequently Asked Questions
What is Complaint #18664539 about?
Complaint #18664539 was filed against Firstpoint Collection Resources regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-12-05T12:00:00-05:00.
How did Firstpoint Collection Resources respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Firstpoint Collection Resources?
Yes, visit the Firstpoint Collection Resources company profile at readthecomplaint.com/company/firstpoint-collection-resources to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.