Miscommunication causes complaint
Kelly’s credit card provider did not warn her that they would be referring her debt to a collection agency
Topic: Money cards, transfers, and exchanges
Why so many problems with my credit card?
A failed direct debit, long phone calls, payments applied incorrectly, and frustrating text messages. Kai complains to FSCL about his credit card company.
I’ve sent money to the wrong person!
Yanlin sent $6000 to the wrong bank account using a money transfer company. Did the company do everything in its power to get the money back?
Card cancelling problems
Misha told her credit card provider to cancel her card, but the provider kept accepting transactions keeping the account open.
What happens when hardship relief ends?
Tony could no longer afford the minimum payments on his credit card, although the lender provided some hardship relief, Tony complained when the hardship relief period ended
Borrower unable to get an account statement.
A debt collection agency would not give Benjamin an account statement showing payments they had received from him. Was the lender responsible for getting a statement for Benjamin from the collection agency?
Credit card confusion
A misunderstanding about the meaning of the word ‘credit’ led to confusion about a debt owed
I’ve taken responsibility for the damage I caused – but am I ‘liable’?!
Jake accidentally spilt some paint in his friend’s apartment when he was visiting. Jake agreed to pay for the damage, and later made a claim under his travel insurance policy. Jake’s insurer declined his claim because they didn’t think he was ‘legally liable’ to pay his friend.
Don’t cancel my credit cards!
When Laaka’s income reduced due to Covid, she struggled paying her credit cards. Was the card issuer right to cancel her cards without telling her?
Cardholder left out of pocket because of unauthorised transactions
Unauthorised transactions went undetected because Shyla did not check her account statements. The lender agreed to credit some, but not all, of the transactions.
