Bilt Technologies, Inc.

I use the Bilt app and credit card, which includes a feature to pay rent through their app ( through XXXX ). On XX/XX/year> I used it to pay my rent for XXXX ( {$2200.00} ) -- last month it took several days to go through ( longer than advertised ), so I did it early to ensure that my rent was delivered on time. The app threw a weird technical error ( " upstream request timeout '' ) and brought me back to the screen with the " pay now '' button. Since there was no confirmation, I took that to mean the payment did not go through, so I submitted it again. Shortly after, I saw in my email that I received two confirmation notices. I immediately used the in-app chat feature -- which uses an XXXX XXXX -- to communicate the problem. It informed me that the duplicate transaction had been canceled, and that it had been canceled in time such that the duplicate funds would not be deducted from my checking account ( which is with my credit union, and connected via the app ).…

Read full complaint at CFPB →

I am filing this complaint regarding a disputed charge of {$380.00} on my Bilt XXXX XXXX ( issued by XXXX ), dated XX/XX/year>. The charge was made through Bilt XXXX for a hotel booking at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, for XX/XX/XXXX The booking was made accidentally due to a UI design issue in the Bilt XXXX app. The booking confirmation button was positioned at the bottom of the screen in a location easily confused with navigation gestures on a smartphone. The transaction was processed instantly without adequate confirmation steps. I took the following steps to resolve this : 1. I cancelled the booking immediately after realizing the mistake. 2. I contacted Bilt XXXX support, who confirmed the hotel denied the refund. 3. I attempted to file a dispute through the Bilt app and by phone, but was repeatedly redirected without resolution. 4. When I formally requested a chargeback, I was told that charges categorized under " Bilt Rewards '' can not be disputed.…

Read full complaint at CFPB →

I am filing this complaint regarding a balance transfer and duplicate payment issue involving XXXX XXXX and Bilt XXXX. Due to a lack of coordination between the two institutions, I am currently being held responsible for a balance that appears to have already been paid. Timeline of Events - Early XX/XX/year> Within the XXXX XXXX, I was prompted to continue using Bilt under a new issuing institution. I agreed to proceed. As part of this process, I was also asked whether I wanted to transfer my existing balance from XXXX XXXX to Bilt. I selected yes, without fully understanding the implications of a balance transfer. After this, I did not cancel my existing autopay with XXXX XXXX, which later resulted in an additional payment being made. XXXX 2026 ( approximately XX/XX/year> ) The balance transfer of {$1200.00} was processed. XXXX XXXX, 2026 My XXXX XXXX autopay remained active, and a full statement balance payment of {$1200.00} was automatically withdrawn from my bank account.…

Read full complaint at CFPB →

This is a complaint against the Bilt credit card. The main attraction of this card was the ability to reap rewards upon making a mortgage payment. On XX/XX/XXXX, I initiated a mortgage payment in the amount of {$5300.00} for the benefit of my mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX. The payment was made via the Bilt website. Once that payment was initiated, Bilt would then pull the corresponding amount of funds from the linked checking account ( XXXX XXXX, my bank ) and make a payment to XXXX. XXXX. Funds were pulled from my XXXX XXXX account on XX/XX/year>. On XX/XX/year>, I received a text message from Bilt that said as follows : " XXXX XXXX, its Bilt. Your mortgage payment of {$5300.00} has been accepted by XXXX XXXX XXXX and will be reflected in your online payment portal within 2 business days. '' I expected that mortgage payment to reflect in the mortgage provider portal by XX/XX/year>.…

Read full complaint at CFPB →

I requested my bilt card account be closed in XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. Their program was changing with the issuer on XX/XX/XXXX. Nearly XXXX days ahead of that, I contacted Bilt to close my card and my account and not reissue a new card. Bilt would not respond, then when they finally did, they asked me to jump through unencessary hoops to close it. After they confirmed they closed it ( XX/XX/XXXX ), they did exactly what I didn't want : They passed my information to XXXX XXXX and XXXX opened an account in my name on XX/XX/XXXX. This is exactly what I did not authorize. Bilt made it impossible to close my account, and fraudlently enabled a third party to open XXXX unauthorized in my name ( Bilt passed my PII to XXXX XXXX, despite my repeated requests in writing not to do this ).

( Please notice that I input a typo in my phone number when sighing up for CFPB account. My correct number is XXXX and not XXXX ) Company Name : Bilt Rewards Product : Credit Card / Rewards Program Complaint : I am filing a complaint regarding the loss of my rewards points and inability to access my original account with Bilt Rewards. I previously had a Bilt Rewards account ( prior to the system transition often referred to as XXXX XXXX ) associated with the following information : Full Name : XXXX XXXX Email Address : XXXX Phone XXXX Through this account, I accumulated over XXXX rewards points from rent payments and credit card purchases. After XXXX transitioned to its new system, I attempted to log in using the same email and phone number. Instead of accessing my existing account, I was prompted to create a new account. I have never changed my email address or phone number.…

Read full complaint at CFPB →

When I applied for and used the Bilt 2.0 Palladium credit card, I believed that my estimated tax payments would be treated as standard purchases for the purposes of earning rewards points and counting toward the {$4000.00} spending requirement for the 50,000-point introductory bonus. After making substantial estimated tax payments, I discovered that : These transactions did not earn any rewards points, and They did not count toward the introductory bonus spending requirement While I now understand that tax payments may be excluded under the programs terms, this limitation was not clearly disclosed or emphasized at the time I applied for or used the card. I relied on the reasonable expectation that these payments would qualify, particularly since other major credit cards treat such payments as eligible spending. As a result, I made significant charges under a misunderstanding that directly affected my ability to earn rewards and qualify for the introductory bonus.…

Read full complaint at CFPB →

Retaliatory Account Closure, Breach of Settlement, and XXXX Violations by Bilt Rewards To the Consumer Financial Protection Bureau : I am filing this formal complaint directly against Bilt Rewards ( XXXX XXXX ) for engaging in Retaliatory Account Closure, Bad Faith business practices, and clear UDAAP violations. XXXX. Breach of Prior Settlement & Retaliatory Closure : Prior to this incident, Bilt Rewards acknowledged severe systemic service failures on my account and formally agreed to issue a {$1000.00} compensation settlement. However, before this {$1000.00} compensation was ever credited to my account, I initiated a routine payment to clear my final remaining balance of {$2900.00}. Due to an erroneous, unannounced XXXX security hold placed by my external funding bank ( XXXX XXXX XXXX which is currently under a separate CFPB investigation ), the payment was returned.…

Read full complaint at CFPB →

I am filing this complaint against Bilt XXXX XXXX ( Bilt Rewards/ Bilt XXXX XXXX ) for failing to credit a completed balance transfer, providing unacceptable customer service, and causing ongoing financial harm. SUMMARY OF ISSUE : On XX/XX/year>, I initiated a balance transfer of {$5800.00} from my Bilt XXXX XXXX to my XXXX XXXX. XXXX has confirmed that this transfer was posted on XX/XX/year>. The transaction appears on my XXXX account as " XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN. '' As of XX/XX/year>, my Bilt XXXX XXXX balance has not been updated to reflect this transfer. THE CORE ISSUE THIS IS ENTIRELY BILT 'S SYSTEM FAILURE : As a credit card customer initiating a balance transfer, the only piece of information I can rely on is my credit card number. I do not have a bank account with Bilt.…

Read full complaint at CFPB →

On XX/XX/year>, I scheduled a rent payment of {$1500.00} through Bilt Rewards and cancelled it before it was processed. Despite the cancellation, the funds were debited from my checking account. Bilt initially stated the payment was cancelled, but their system also showed it as completed. No corresponding payment was received by my landlord, and no transaction was recorded in my XXXX account tied to this payment. On XX/XX/year>, Bilt confirmed that the payment was reversed under Payment ID XXXX and advised that the funds would be returned within 4 to 7 business days. As of XX/XX/year>, the funds have not been returned to my account. I am requesting confirmation of the location of the funds and the immediate return of {$1500.00} to my checking account.

b"Background: In XXXX XXXX Bilt decided to transition the current credit card issued by XXXX XXXX into Bilt 2.0 which included an option of XXXX cards that members had to choose from (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTimeline of events:XXXX: opened the Bilt XXXX XXXX card.\XXXX XXXX I choose the XXXX card. After realizing the one feature which made me choose this card wasnt as it was positioned to me, I changed my mind and immediately contacted Bilt on XXXX to request a change to the XXXX XXXX XXXX XXXX XXXX I spoke with XXXX (I had also been waiting for XXXX min or so for a live online Chat agent with no response) and explained my situation and that I wanted to change my card from the XXXX to the XXXX XXXX confirmed that he initiated my request to switch to the XXXX XXXX He informed me that I may get the XXXX card first since that was already in process, but the XXXX XXXX would come shortly thereafter.…

Read full complaint at CFPB →

On XX/XX/XXXX, I made a {$1600.00} payment to my Bilt credit card using my XXXX checking account through the Bilt website. The funds were successfully debited and have fully cleared my bank account. However, the payment has not been applied to my credit card balance and does not appear in my payment history. I also did not receive a confirmation number. I have contacted customer support multiple times and opened tickets ( # XXXX and # XXXX ), but have received no meaningful response or resolution. This appears to be an unapplied or unidentified XXXX payment within their system. I am requesting that the company locate the funds via XXXX trace and immediately apply the payment to my account.

On XX/XX/year>, I made a mortgage payment of {$1900.00} through Bilt Rewards using my linked checking account. The funds were successfully withdrawn and initially sent to my mortgage company. On XX/XX/year>, the payment was reversed by Bilt Rewards without explanation. The {$1900.00} was pulled back from the mortgage company, but it has not been returned to my checking account and is not reflected anywhere in my Bilt account. At this time, the funds are missing and unaccounted for. Because of this reversal, I was forced to make a second mortgage payment using another account and incurred a late fee of {$96.00}. I attempted to resolve this issue through customer support. Phone support was unable to assist beyond confirming transactions, and I was directed to Bilt Rewards Housing support, which only offers email or in-app chat with no timely or effective resolution. I have not been able to reach anyone who can explain what happened or locate the missing funds.

In XX/XX/XXXX, I had a Bilt rent rewards card through XXXX XXXX. Bilt decided to sever ties with XXXX XXXX and offered customers credit cards through Bilt rewards. I opted for the Bilt Blue card. The rent rewards account was converted to a XXXX XXXX autograph credit card and the balance of {$1400.00} from the XXXX XXXX rent rewards card was transferred to my XXXX XXXX XXXX card. I paid this amount in full to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, my Bilt Blue card account was activated and the amount of {$1400.00} was illegally and fradulently transferred to this account, even though it had already been transferred to XXXX XXXX, and paid for. I called Bilt to discuss this and the person I was speaking to said she could not help me because she could not see any activity on my account. She said the only way I could get help was to call a different number. The number she gave me is a prompt-only number that does not allow the option to speak to a live agent.…

Read full complaint at CFPB →

To whom it may concern : I have been a member and used Bilt credit card to accumulate points for rent payments. Now I have been for weeks trying to transfer points to XXXX ( one of the transfer partners ) and I can not link my accounts to do so. I reached out via chat. No live support only AI slop with no resolution. Created several tickets and only got generic response and no further traction. Finally was referred to social media on XXXX and XXXX. Only human response so far but no ETA or solution for weeks was from XXXXBilt on XXXX but still no help offered just vague promises. This lack of customer service for credit card company is highly concerning.

I am submitting a complaint regarding a material change to the rent payment functionality of the * * Bilt Rewards credit card that resulted in a {$6500.00} automatic withdrawal from my linked bank account. Previously, the Bilt card allowed rent payments to be charged to the credit line while covering credit card processing fees that most rent portals charge ( typically around 3 % ). This structure made the product unique and transparent : rent was treated as a normal credit card purchase, and the cardholder could pay the balance through the normal credit card billing cycle. With the introduction of Bilt 2.0, the company changed this structure so that rent payments are now automatically drafted from a linked bank account within approximately one business day, even when the payment is initiated using the Bilt credit card. This effectively eliminates the core credit functionality of the product while still marketing the feature as a credit card benefit.…

Read full complaint at CFPB →

So I providing a formal complaint about Bilt rewards Co. and their new Bilt 2.0. They recently just ended their partnership with XXXX XXXX and alike thousands of others that used their past card to pay for rent I opted for the transition to opening a Bilt Obsidian to continue making rent payments. Upon the first real rent payment that should have went smoothly since everything was updated to the new card I had my payment with my apartment complex managed my XXXX XXXX declined. I was then charged {$50.00} of late fees NSF twice after I thought the first payment was just a simple error. I reached out to Bilt immediately about the issues, and they have been avoiding my support request ever since. Its been two weeks ( 14 business days ). The funds that I had in my synced Bank Account to pay for my Bilt Credit for my rent was also taken from Bilt and yet on Bilts end it does not reflect. My apartment building also is saying none of the payments were even processed.…

Read full complaint at CFPB →

On XX/XX/XXXX, I applied for the Bilt Palladium Card and was denied the same day. The adverse action notice said the reason was too many inquiries. The notice also stated that the credit score used was XXXX. On XX/XX/XXXX, I emailed Bilt Card support and asked for a manual review because I believed the stated denial reason was inaccurate. In that email, I explained that the too many inquiries reason did not appear to match my credit history. I have no inquiries in the past XXXX months and only XXXX inquiries in XXXX. Bilt support acknowledged my request on XX/XX/XXXX, and said it was being reviewed. After that, I sent follow-up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking whether my application would actually be reviewed and asking XXXX to re-review the application using the correct inquiry data.…

Read full complaint at CFPB →

I applied for the Bilt XXXX XXXX mid XXXX and was notified my card was delivered XX/XX/2026. I changed my address around this time and never received my card as a result. It wasnt until I had access to the digitial card through the Bilt Rewards app that I realized how misleading the rewards/cash system was. This led to seek closure of my account which I found to be incredibly difficult. I requested cancellation of my account XX/XX/2026 through the Bilt Rewards App, but received the following response A XXXX will join this chat as soon as possible. We're currently experiencing higher-than-usual volume, so response times may be longer than normal. After no response for XXXX days I messaged again on XX/XX/2026 for closure of my account. I was met with another response, We have received your message. You are currently in queue and your message will be answered in the order it was received.…

Read full complaint at CFPB →

On XX/XX/year>. I had applied for the BILT XXXX Blue card, when I called about switching to the XX/XX/XXXX XX/XX/XXXX, the BILT support told me to not accept the blue card offer and to wait for theXX/XX/XXXXoffer. This offer never came. On XX/XX/year> I made a payment of {$130.00} on thru the BILT app. This payment never made it to the XXXX XXXX account. BILT customer support has been providing incorrect responses to my questions.

I am filing a complaint regarding a billing discrepancy on my XXXX XXXX credit card account issued by XXXX XXXX. The balance currently shown on my account is {$13.00} higher than the total of all posted transactions. I have carefully reviewed the account and summed every posted transaction, and the total does not reconcile to the balance being reported on the account. I have attempted multiple times to resolve this issue through customer support. Specifically, I contacted XXXX customer service XXXX separate times ( XXXX phone calls and XXXX chat ). During each interaction, the representative stated that someone would follow up with additional information by email and that a supervisor would contact me within XXXX hours. However, no follow-up has occurred and I have received no explanation for the discrepancy.…

Read full complaint at CFPB →

I am disputing the denial of XXXX reward points for a {$3000.00} purchase made on XX/XX/year>. The merchant ( XXXX XXXX ) was used as a processor for a business service. The bank processed the charge as a 'Purchase ' and collected interchange fees. However, the company is refusing to grant points, falsely claiming it was a 'financial service ' based on an automated merchant code. I have made XXXX attempts to resolve this with their support, but they refuse to manually review the transaction data which proves it was not a cash-like exclusion. It was a purchase and it was processed by bilt as purchase and the made the transaction fee from the merchant but didn't honor the purchase XXXX points to me.

I am filing a formal complaint against Bilt Technologies , Inc. ( Bilt Rewards ) for deceptive promotional practices, false advertising, and executive negligence regarding a financial liability tied to the Bilt Mastercard XXXX. I have been trying for weeks to obtain customer service to be ignored or occasionally placated with a few sentences of outdated information. 1. Executive Negligence & Financial Liability : During the transition of my Bilt XXXX from XXXX XXXX XXXX XXXX XXXX, a {$500.00} ledger discrepancy occurred. Bilt Vice President XXXX XXXX explicitly instructed me in writing to " dispose '' of a physical {$500.00} bank-issued refund check from XXXX XXXX , claiming Bilt would reconcile it on the backend. Discarding a legal bank document leaves a {$500.00} discrepancy on a regulated ledger and exposes me to automated clawbacks.…

Read full complaint at CFPB →

During the Bilt XXXX transition, a balance transfer of {$2400.00} was initiated from XXXX XXXX to Bilt ( XX/XX/year> ). After noticing the transfer, I contacted XXXX XXXX, who confirmed that the full balance had already been paid and that the transfer should therefore be cancelled. I then contacted Bilt customer support to request cancellation of the balance transfer. Bilt informed me that they needed to verify the information before taking action. I subsequently received an email confirming that a case had been opened, but no timeline for resolution was provided, and the balance remains on my account. Because this transfer has not been cancelled, my Bilt account now shows an incorrect balance of {$2400.00}, which has artificially increased my credit utilization and is negatively impacting my credit profile. Additionally, the payment due date is approaching, and Bilt has not confirmed whether this erroneous balance will be corrected before then.…

Read full complaint at CFPB →

I am filing this complaint regarding several recent changes to the Bilt credit card and rewards program that were implemented without adequate notice, as well as the inability to obtain support from the company to resolve the issue. Historically, I used my Bilt credit card to pay my monthly rent. The rent charge would appear on my credit card statement, and I would pay the balance when my statement was due, just as with any other credit card purchase. Recently, Bilt changed its system so that rent payments are no longer processed through the credit card and are instead directly debited from a linked checking account. I was not notified of this change in advance. I only discovered the change on XX/XX/XXXX ( rent day ) when the payment process behaved differently than expected. This created confusion and significantly changed the financial utility of the card, as well as completely wiped out my checking account, which I was expecting to happen.…

Read full complaint at CFPB →

Bilt credit card has been doing a credit card rollover from XXXX XXXX to their own Bank. In the process, they attempted to pay off my old credit card. I have been using Bilt credit card to pay my rent of XXXX for over a year now. Often times there is a XXXX week period on my card where XXXX rents exist before the autopayment which was on the XXXX of the month. XX/XX/year> : My XXXX rent is charged to my XXXX card XX/XX/year> : My credit card had a balance of XXXX. XX/XX/year> : XXXX sends out a payment of XXXX to XXXX XXXX to cover this XX/XX/year> : My wells fargo autopay scheduled for XX/XX/year> went through, charging me XXXX ( rent + a few minor other purchases ) XX/XX/year> : Bilt 's payment of XXXX goes through to XXXX XXXX. Leaving the account in excess of XXXX XX/XX/year> : I contact XXXX XXXX about the overpay, they sent me a check for the difference of XXXX. XXXX XXXX end is sorted.…

Read full complaint at CFPB →

Bilt withdrew funds from my bank account XXXX XXXX XXXX XXXX ) XXXX make a mortgage payment for the amount of ( {$2600.00} ) on XX/XX/year> - ACH Transaction ID XXXX, but the payment was never delivered XXXX my mortgage servicer ( XXXX XXXX ) It has been over XXXX weeks since the withdrawal XXXX the mortgage servicer has confirmed they have not received the payment. Bilt has not provided a resolution or confirmation of where the funds are currently located.

I am writing regarding a serious issue with my recent rent payment requests through Bilt Rewards. Approximately XXXX weeks ago, I submitted a rent payment request for {$1700.00} to be sent via check. As of today, that payment still has not been processed. Because of the delay, I attempted to submit the same rent payment again on Thursday, XX/XX/XXXX for the same amount of {$1700.00}. However, this payment also does not appear as submitted or pending in my XXXX account. This situation is extremely concerning to me. I rely on XXXX to process my rent payments properly, and right now there is no visibility into whether either payment request will go through. I am particularly worried about the possibility that both payments could eventually process at once, resulting in {$3400.00} being withdrawn from my bank account. There is no customer service number to speak with a XXXX representative over the phone. Just an AI chatbot.…

Read full complaint at CFPB →

Subject : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX terminated their financial relationship XX/XX/year>. XXXX XXXX ( XXXX ) XXXX owners would have to apply for a new XXXX XXXXXXXX XXXX If they do not, XXXX XXXX will transition them to a XXXX XXXX XXXX XXXX. XXXX XXXX misled, and falsely promised a smooth transition. They promised bigger perks, better card, and overall a better experience. Which none have been honoured. I was under the pretence that I would be receiving the same great service I have before with the XXXX XXXX XXXX XXXX Unfortunately, I was blindsided and received the complete opposite. Bilt XXXX I had the ability to charge rent payments to my credit line. XXXX XXXX was offering the same, where I paid my rent using the new BILT XXXX card and I selected that I want my payment to come out of my XXXX credit line. Unfortunately, without my XXXX - XXXX charged XXXX chequing account.…

Read full complaint at CFPB →

To Whom It May Concern, I am submitting this formal complaint regarding an unresolved billing dispute involving my Bilt Rewards credit card account issued through XXXX XXXX. Despite multiple attempts to resolve this issue directly with Bilt Rewards Support, the problem remains unresolved and I have received no meaningful assistance. Account details : - Card : Bilt Rewards XXXX - Last four digits : XXXX - Transaction in dispute : Balance Transfer - Amount : {$500.00} USD - Transaction date : XX/XX/year> Description of the issue : On XX/XX/year>, a {$500.00} " Balance Transfer '' transaction appeared on my Bilt card account. I did not request or authorize any balance transfer. I never received these funds, nor did I initiate any transfer to another account. When I contacted Bilt support, they confirmed that the only transaction on my account is this {$500.00} balance transfer.…

Read full complaint at CFPB →