Credit card -- Struggling to pay your bill -- Complaint #8121060
Complaint Overview
Complaint ID: 8121060
Company: Dignifi
Product: Credit card
Sub-Product: Store credit card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: California
ZIP Code: 92706
Date Received: 2024-01-07T12:00:00-05:00
Date Sent to Company: 2024-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I experienced a loss of income in a short time frame due to a COVID diagnosis ( XX/XX/XXXX ) and a work injury ( XX/XX/XXXX ), and my employer failed to pay me my earnings on time ; for weeks I was left without a paycheck ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I spoke with dignifi 's agents on the phone periodically to address the loss of income and sick leave but was not given any arrangement based on the cardholder agreement. I explained that I would be receiving back pay with penalties, but did not have a solid idea of when payment could occur on the line of credit ( among others ). The best that the agents could do beside communicating the agreement terms of the credit card was to document the loss of income and extenuating circumstances. On the part of the lender, the system took steps to restrict my ability to self service the account as I became late and missed payments. The ability to process payments with a *lower amount than the minimum payment* on the statement was suspended and prevented me from making any electronic payment by the due date between XXXX and XXXX without calling in and speaking with an agent during business hours AND before XXXX PM. Once I missed XXXX payments, access to the online payment portal was cut off to me as well. Given the lack of flexibility to circumstances outside of my control, as well as the XXXX payments I made within weeks of each other once I received the back pay as promised, I believe a review is warranted of this lender 's behavior or performance among consumers. Despite communicating with the lender why I could not make payment, the lender went ahead and marked my consumer report for missing those payments. I have proof of illness and back payment checks.
Frequently Asked Questions
What is Complaint #8121060 about?
Complaint #8121060 was filed against Dignifi regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-01-07T12:00:00-05:00.
How did Dignifi 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 Dignifi?
Yes, visit the Dignifi company profile at readthecomplaint.com/company/dignifi 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.