Credit card or prepaid card -- Trouble using your card -- Complaint #6571523
Complaint Overview
Complaint ID: 6571523
Company: Pentagon Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Florida
ZIP Code: 33130
Date Received: 2023-02-14T12:00:00-05:00
Date Sent to Company: 2023-02-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im a XXXX XXXX XXXX cardholder on vacation in XXXX ( XXXX ) where my card has been declined at every single merchant ; using any type of card-present transaction ( Chip, Tap-and-go, Apple Pay ) for my account XXXX. This new XXXX credit account was established by me recently with the purpose of achieving my {$3000.00} minimum spend requirement during my month long holiday to XXXX, XXXX and XXXX. As of this writing on XX/XX/2023 XXXX has made it impossible for me to use this card overseas. I have contacted XXXX and spoken to more than XXXX different individuals there since XX/XX/2023 about my challenges while abroad in international calls at my own cost. This is no exaggeration ( check your records ) ; XXXX has XXXX XXXX notes ; and those calls are recorded. The purpose of this complaint is to reach a higher-level department outside of those previously involved to finally resolve this issue = allow me to use my credit card overseas ( physical, card present and apple pay kind of transactions )! XXXX has made me contact multiple departments over the course of this ordeal. Namely : XXXX Member Services ( aka PenFed themselves ; CC issuer ) Cardmember Security ( apparently a VISA or external vendor party to PenFed ) On XXXX, XX/XX/XXXX- I spoke to XXXX XXXX from XXXX XXXX XXXX who wasnt really helpful. She was escalated directly from a supervisor of XXXX XXXX named XXXX. He informed XXXX that all of my fraud risk profile had been adjusted and accounted for my travel notice ; and further confirmed that all my transactions patterns match the XXXX of a regular traveler. In other words ; the merchants I have been declined at like XXXX do not deserve to be flagged as declined.
Frequently Asked Questions
What is Complaint #6571523 about?
Complaint #6571523 was filed against Pentagon Federal Credit Union regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2023-02-14T12:00:00-05:00.
How did Pentagon Federal Credit Union respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid card) and describe your issue in detail.
Can I see other complaints against Pentagon Federal Credit Union?
Yes, visit the Pentagon Federal Credit Union company profile at readthecomplaint.com/company/pentagon-federal-credit-union 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.