Credit card -- Trouble using your card -- Complaint #9742217
Complaint Overview
Complaint ID: 9742217
Company: First Portfolio Servicing INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Arizona
ZIP Code: 85338
Date Received: 2024-08-07T12:00:00-05:00
Date Sent to Company: 2024-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing formal a complaint against Total Visa XX/XX/XXXX XXXX regarding an ongoing issue with their handling of increasing the available credit on my account. Despite multiple attempts to request an increase in my credit limit via phone calls and emails over the past several months, Total VisaXX/XX/XXXXXXXX has failed to make any adjustments to my available credit. These requests were made in good faith and followed all the procedures outlined by the company. Unfortunately, my efforts to address this matter directly with them have been met with unresponsiveness and inadequate customer service. The lack of responsiveness has caused considerable inconvenience and frustration. As a result, I am seeking your assistance to address this issue and ensure that Total Visa Credit Card XXXX adheres to appropriate customer service standards and fulfills their obligations regarding available credit adjustments. For your reference, I have attached copies of my communication with the company, emails requesting the available credit increase. Despite multiple assurances from their supervisors and adherence to their payment posting matrix, my credit limit has not been adjusted as promised. On several occasions, I was informed by supervisors at Total Visa that my available credit would be increased immediately upon sending verification of payment via email. I complied with this request and have attached the email verification and relevant documentation to this complaint. XXXX XXXX at Total Visa confirmed receipt of this email. However, despite this confirmation and adherence to the payment options matrix provided by Total Visa ( also attached ), my credit limit remains unchanged. Additionally, I spoke with a supervisor on Wednesday, XX/XX/XXXX, who assured me that I would receive a callback from a XXXX within XXXX hours. To date, I have not received any such callback. This lack of follow-through and communication, coupled with what I perceive as deceptive business practices, has led me to seek your intervention. I kindly request that the CFPB assist in addressing this matter to ensure that Total Visa fulfills their commitments regarding available credit adjustments and to bring awareness to their business practices for the benefit of other consumers. I would greatly appreciate your intervention in this matter to facilitate a resolution. Please let me know if you require any additional information or documentation to process this complaint. Thank you for your attention to this matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #9742217 about?
Complaint #9742217 was filed against First Portfolio Servicing INC regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-08-07T12:00:00-05:00.
How did First Portfolio Servicing 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 First Portfolio Servicing INC?
Yes, visit the First Portfolio Servicing INC company profile at readthecomplaint.com/company/first-portfolio-servicing-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.