came back and said they were busy. I told him thats fine

What the CFPB Record Shows About came back and said they were busy. I told him thats fine

came back and said they were busy. I told him thats fine has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX state, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, came back and said they were busy. I told him thats fine reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "credit/payments above the minimum go to the oldest balance on your statement first ... so they were allocated appropriately since the promo balances were oldest. I quoted to him the terms outlined on Chase monthly statement ... we apply payments in excess of your minimum payment first to higher rate balances '' along w the responses from other CSR and the Credit Card Act 2009. He laughed at me. I ignored it and said my highest rate balances are on standard purchases ( 17.99 % APR ) so why wasnt the credit applied soley to standard purchases? He said because they apply payments to prior billing cycle first so because of that the promo got reduced to {$400.00}. I said but the promo wasnt expiring until XXXX XXXX and I had balances subject to XXXX XXXX APR which already posted to the account ( which I accrue interest on a daily basis ). ALSO", and the single most common underlying issue is "it occured after and I was charged erroneously by XXXX XXXX to begin with so why am I being penalized for their error. I said the credit should post to the original transaction. He said".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating came back and said they were busy. I told him thats fine: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.