Credit card -- Problem when making payments -- Complaint #19118819
Complaint Overview
Complaint ID: 19118819
Company: Sparrow Financial, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 950XX
Date Received: 2026-01-29T12:00:00-05:00
Date Sent to Company: 2026-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted a payment of {$190.00} to my Sparrow Credit Card. The payment immediately showed as pending on my account statement, but the funds were never actually processed. Sparrows stated policy says payments take up to XXXX days to process. Despite the payment being marked pending, Sparrow later reversed the payment, which caused my account to go into a negative balance of approximately {$91.00} and triggered an additional {$30.00} returned payment fee. My account balance now incorrectly reflects {$260.00}, which includes legitimate charges plus the {$180.00} reversed payment and the {$30.00} fee. I contacted Sparrow support regarding this issue and requested to speak to a supervisor. I was promised a callback within 12 hours, but no case number was provided and no supervisor contacted me. This is not the first time a similar issue has occurred with Sparrow. The payment reversal and returned payment fee were caused by Sparrows processing error, not by any action on my part.
Frequently Asked Questions
What is Complaint #19118819 about?
Complaint #19118819 was filed against Sparrow Financial, INC. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2026-01-29T12:00:00-05:00.
How did Sparrow Financial, INC. 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 Sparrow Financial, INC.?
Yes, visit the Sparrow Financial, INC. company profile at readthecomplaint.com/company/sparrow-financial-inc 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.