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    ComplaintsforPetal Card, Inc.

    Credit Cards and Plans
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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      On, or around, June 11, 2021, Petal card was recommended for me on Credit Karma, and I decided to apply. I applied for the card on their website, which states "see which petal card is right for you without impacting your credit score," with a Start Applying button underneath. I did that and went through the process, was not approved for a card, and a few hours later was alerted to a hard inquiry on my credit. I have contacted support multiple times and they keep telling me "You were pre-approved through Credit Karma Lightbox, so when you applied for a line of credit to Petal, a hard inquiry was performed." I never agreed to a hard inquiry and this is not what it says on their website. Furthermore, I did not apply through Credit Karma, or click any links within the Credit Karma app to take me to the website. I simply saw the card recommended on the Credit Karma app and went directly to the website on a web browser. Petal has fraudulently put a hard inquiry on my Experian report.

      Business response

      10/21/2021

      To Whom It May Concern: 
      This communication is in response to an October 1, 2021, submission to the Better Business Bureau (BBB) where a consumer expressed dissatisfaction with the hard credit inquiry on the consumer’s credit profile that was initiated during the application submission process. 
      Our records show on June 11, 2021, the consumer visited Credit Karma and began an application for a Petal Card account. During the application process, the consumer was advised that “submitting your application authorizes Petal to access your credit report, which may affect your credit score.” The consumer then elected to submit an application for credit which resulted in initiating a hard credit inquiry on the consumer’s credit profile. Unfortunately, the consumer was not approved for a Petal Card account. 
      If the consumer still has questions the consumer may request to speak with a member of our team by contacting us at ************** or ********************** 
      Sincerely, 
      Petal, Inc.
      Compliance Department 

      Customer response

      01/03/2022

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I am the consumer who made the complaint on 10/01/2021. Somehow the email regarding the answer was filtered into my spam folder and by the time I saw it the link had expired so I can no longer login to reply. As I previously stated, I only SAW the card on credit karma. I DID NOT APPLY THROUGH CREDIT KARMA. I APPLIED DIRECTLY ON YOUR WEBSITE WHERE IT SAYS, CLEAR AS DAY, "see which petal card is right for you without impacting your credit score." So please stop saying I applied through credit karma and was advised it may affect my credit. I WAS NOT! You are failing to realize or admit that your system made an error. There is apparently some connection with the fact that I was "pre approved" on CK but I was not aware of any pre approval and went directly to your website where you lied to me and put a hard inquiry on my credit anyway. Had I been informed there would be a hard inquiry I would not have clicked to proceed. Your system is doing something wrong when someone sees the card on CK and then applies directly on the website rather than through CK. Please admit your fault and take the unauthorized inquiry off of my credit report!


       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *************************




       

      Business response

      01/14/2022

      To Whom It May ********************** communication is in response to a January 14, 2022, submission to the Better Business Bureau (BBB) where a consumer expressed dissatisfaction with the hard credit inquiry on the consumers credit profile resulting from the consumers application for credit. The consumers submission is identical to an October 1, 2021, BBB submission. Petal responded to the consumers original claim on October 21, 2021. 
      Our records show on June 11, 2021, the consumer visited Credit Karma and began an application for a Petal Card account. The consumer was directed from the Credit Karma website to Petals website. During the application process, the consumer was advised that submitting your application authorizes Petal to access your credit report, which *** affect your credit score. Meaning, the consumer was advised that electing to continue the application process *** impact the consumers credit score. The consumer then elected to submit an application for credit which resulted in initiating a hard credit inquiry on the consumers credit profile. Unfortunately, the consumer was not approved for a Petal Card account. 
      If the consumer still has questions the consumer *** request to speak with a member of our team by contacting us at ************** or **********************************. 
      Sincerely, 
      Petal, *****************************

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I found 5 fraudulent charges to my Petal account and filed disputes in writing and over the phone on 8/7/21. I was told to wait while the company resolved the issue. On 9/10/21 the company emailed to say 3 of the 5 disputes were not approved and I would be liable for the charges. The erroneous charges are as follows: $40.99 to ********** on 6/30/21 $72.88 to **** *** ********* on 7/9/21 $71.76 to **** on 8/5/21 I didnt make any of these charges. The card was in my possession at all times. Ive written and called repeatedly to try and resolve this. Theyve only sent requested documentation on 1 of the 3 disputes. They claim the **** purchase was delivered to my house (it wasnt) and that the other 2 were made in person. I dont shop at ********** and I dont even know what the other store is despite trying to look it up online. The fact that there were 2 other charges deemed fraudulent in a similar time period points to the fact that Im not just making up 3 other random charges.

      Business response

      10/07/2021

      To Whom It May ********************** communication is in response to a September 17, 2021, submission to the Better Business Bureau (BBB) where a consumer raised concerns about the determination concerning billing error disputes filed by the cardmember. We appreciate the cardmember bringing these concerns to our attention and for the opportunity to respond. 
      Our records indicate that on August 9, 2021, the cardmember contacted Petal claiming five transactions were unauthorized. The cardmember stated that although the Petal Card account credit card remained in her possession at all times, the in person charges were unauthorized. On August 10, 2021, provisional credits equal to the disputed transactions were applied to the cardmembers Petal Card account and an investigation initiated. 
      On or around September 10, 2021, it was determined two of the disputed transactions were unauthorized and permanent credits equal to the transactions were applied to the cardmembers account. However, the remaining three disputed transactions were deemed authorized and the disputes denied. The cardmember was provided documentation identifying one disputed transaction was confirmed as delivered to the correct address. Additionally, the other two transactions were confirmed as completed in a card present environment, meaning, the transactions were completed at a storefront while using the card. This is important as the cardmember confirmed the Petal Card account credit card was always in the cardmembers possession. 
      Finally, the cardmember has been advised to produce any documentation they may support their contention, including but not limited to, filing and submitting a police report. At this juncture, no supporting documentation has been produced by the cardmember. Should documentation be produced, Petal will re-review the matter. 
      For further assistance, the cardmember may request to speak with a member of our team by contacting us at ************** or **********************************. 
      Sincerely, 
      Petal, ***********************************

      Customer response

      10/13/2021

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      [Your Answer Here]

      I did not make the remaining 3 charges. Additionally, Ive only received the required documentation on one dispute out of three. Ive requested the remaining documentation multiple times and have been told there is no remaining information to send. To my understanding, credit card companies are required to provide documentation for every determination made regarding fraud disputes upon request. Additionally, Petals response claims I have not provided any additional documentation of my own, when in fact I submitted a letter from another company regarding a data breach preceding the fraudulent charges, and involving the same credit card. 

      Petal is in breach of its responsibilities per consumer protection laws. This alone should be enough to settle the matter. Adding on the supporting documentation Ive provided regarding the breach of my personal information should further solidify my case. 

      Thank you in advance for your help in this matter.  

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *********************************




       

      Business response

      11/29/2021

      To Whom It May ********************** communication is in response to a November 24, 2021, submission to the Better Business Bureau (BBB) where a cardmember rejected previous responses to the cardmembers original complaint. These responses are in addition to responses the cardmember received directly from Petal and received in response to the cardmembers other complaints as submitted with various entities. 
      The cardmember continues to raise concerns about the determination concerning billing error disputes and again alleges the cardmembers requests for documentation have gone unanswered. As stated in prior responses, the cardmember is in receipt of the documentation and information relied upon in making the determination concerning the cardmembers billing error disputes.  
      Per our prior communications with the cardmember, if they wish to appeal these decisions, they can produce documentation supporting their contention, including but not limited to, filing and submitting a police report. At this juncture, no supporting documentation has been received. Should documentation be produced, Petal will re-review the matter. 
      For further assistance, the cardmember may request to speak with a member of our team by contacting us at ************** or **********************************. 
      Sincerely, 
      Petal, ***********************************

      Customer response

      12/08/2021

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I have repeatedly stated that Petal has only sent documentation on 1 of 3 charges. I have also repeatedly stated that I've sent additional information regarding a data breach involving my petal card during the exact time frame of the fraudulent charges. Petal continues to ignore this information, in fact not even acknowledging receipt or follow-up of any kind (as this new reply demonstrates). Additionally, my account is accruing interest on the disputed charges and Petal has threatened collections, which to my understanding also goes against the consumer protection laws. 

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *********************************




       
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I started contacting petal 2 card at end of August due to them reporting my statement balance as incorrect they report my 8/1/21 balance at 809 vs 577. They refuse to correct my report , I filed 4 or 5 disputes with the credit bureaus petal continued to respond that the balance was accurate even after I uploaded my petal 2 statement to experian that clearly showed 577 statement balance 8/1/21. Now it is 9/10 and not only does my balance remain at 809 for August petal still hasn't reported the 9/1/21 statement balance due to the staunch refusal on petals behalf my utilization remained high my credit score DROPPED and I was disqualified for credit this is the only account that has hurt and damaged my credit

      Business response

      09/23/2021

      To Whom It May Concern: 
      This communication is in response to a September 14, 2021, submission to the Better Business Bureau (BBB) where a consumer raised concerns about the accuracy of information reported about the consumer’s Petal Card account to the Consumer Reporting Agencies (CRAs). We appreciate the consumer bringing these concerns to our attention and for the opportunity to respond. 
      The consumer alleges the Petal Card account balance as of August 1, 2021, was incorrectly reported to the CRAs as “open with a $809.37 balance”. The consumer alleges the correct reporting as of August 1, 2021, should have been “open with a $577.51 balance”. As evidenced by the consumer’s monthly billing statement for August 2021, as of August 1, 2021, the consumer’s account was open with a $809.37 balance. 
      After August 1, 2021, and between August 6, 2021 through August 25, 2021, the consumer made a series of payments bringing the outstanding balance down to $577.51. These payments and other activity during the August billing cycle would not be reported until after the close of the billing cycle.  As explained to the consumer on August 27, 2021, September 1, 2021, and September 3, 2021, Petal reports updated account information to the CRAs once per month. After the close of the August 2021 billing cycle, Petal reported the consumer’s updated account information to the CRAs. It may take the CRAs up to 45 days to update the consumer’s credit profile. 
      However, to accommodate the consumer on September 7, 2021, and September 11, 2021, Petal produced letters identifying the real-time account information. The September 11, 2021, letter identified the account was closed by consumer with a zero balance. 
      For further assistance, the consumer may request to speak with a member of our team by contacting us at ************** or *********************. 
      Sincerely, 
      Petal, Inc. 
      Compliance Department 

      Customer response

      09/27/2021

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT 

      My statement balance was 577 I attached it and it is now 0 as of 9/9/2021 I do not accept the response,  the 150 balance transfer check that had a STOP PAYMENT and was cashed on a closed account also needs to be reversed. I will continue to dispute and FDIC will get involved correct my credit file for all bureaus at once 

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      ******** *****




       

      Business response

      10/05/2021

      To Whom It May Concern: 
      This communication is in response to a September 14, 2021, submission to the Better Business Bureau (BBB) where a consumer raised concerns about the accuracy of information reported about the consumer’s Petal Card account to the Consumer Reporting Agencies (CRAs). On September 23, 2021, Petal responded to the cardmember’s concerns. The cardmember was not satisfied with Petal’s September 23, 2021 response, and again raises the same concerns with credit bureau reporting and now claims Petal wrongfully accepted a $150.00 payment and refuses to refund the cardmember.  
      The consumer alleges the Petal Card account balance as of August 1, 2021, was incorrectly reported to the CRAs as “open with a $809.37 balance”. The consumer alleges the correct reporting as of August 1, 2021, should have been “open with a $577.51 balance”. As evidenced by the consumer’s monthly billing statement for August 2021, as of August 1, 2021, the consumer’s account was open with a $809.37 balance. 
      After August 1, 2021, and between August 6, 2021 through August 25, 2021, the consumer made a series of payments bringing the outstanding balance down to $577.51. These payments and other activity during the August billing cycle would not be reported until after the close of the billing cycle.  As explained to the consumer on August 27, 2021, September 1, 2021, and September 3, 2021, Petal reports updated account information to the CRAs once per month. After the close of the August 2021 billing cycle, Petal reported the consumer’s updated account information to the CRAs. It may take the CRAs up to 45 days to update the consumer’s credit profile. 
      However, to accommodate the consumer on September 7, 2021, and September 11, 2021, Petal produced letters identifying the real-time account information. The September 11, 2021, letter identified the account was closed by consumer with a zero balance. The cardmember confirms in their most recent complaint that as of September 9, 2021, the account was reported as closed with a zero balance. 
      Additionally, the cardmember alleges Petal wrongfully accepted an $150.00 payment and refuses to return any positive account balance. Our records show on September 7, 2021, the cardmember contacted Petal by phone with concerns about a balance transfer initiated on August 24, 2021, from a banking institution that had yet to be completed. The cardmember was advised that if they wanted to stop the payment from being processed, they could place a stop payment hold on the balance transfer with their banking institution. 
      On September 14, 2021, the $150.00 balance transfer was received by Petal and applied to the cardmember’s account. On September 22, 2021, a stop payment hold was received and the funds were reversed and returned to the paying institution. 
      We trust this letter explains and resolves this matter.

      Sincerely, 
      Petal, Inc. 
      Compliance Department

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I contacted petal customer service The morning of September 7, 2021. My credit card was being declined after trying to pay for my dogs emergency spinal surgery. I certainly had enough available credit my account was not past due etc. after going through two customer service reps and a supervisor I was told that their system was declining my charge and they could not tell me why specifically or provide any resolution even though they could verify that it was me and this was a valid charge within my credit limit etc. So I was basically left with no resolution and unable to use my account which I thought was the purpose of a credit card was. I did speak with a customer service manager Twila on September 9th and she apologized and listened to what I said and said they’re trying to work on it. But again if I can’t use my account how is it not going to remain new if you decline my transactions just to decline them even though I have enough available credit. Seems discriminatory to me.

      Business response

      09/27/2021

      To Whom It May Concern: 
      This communication is in response to a September 9, 2021, submission to the Better Business Bureau (BBB) where a cardmember expressed frustration due to not being able to complete an attempted transaction. We appreciate the cardmember bringing these concerns to our attention and for the opportunity to respond. 
      According to Petal’s records, on August 16, 2021, the cardmember’s Petal Card account was activated. Furthermore, on September 7, 2021, the cardmember attempted a transaction exceeding the maximum daily limit set for the cardmember’s Petal Card account. That same day, September 7, 2021, the cardmember spoke to a Petal Customer Service Representative who informed the cardmember of the transaction limits set on the Petal Card account. 
      On September 8, 2021, the cardmember spoke with a Petal supervisor who informed the cardmember that Petal personnel cannot remove the Petal Card account transaction limits for the cardmember and apologized for the experience.  
      Petal apologies for any inconvenience this may have caused the cardmember. The cardmember’s feedback has been provided to Petal management for consideration.  
      For further assistance, the cardmember may request to speak with a member of our team by contacting us at ************** or ********************** 
      Sincerely, 
      Petal, Inc. 
      Compliance Department

      Customer response

      09/28/2021

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I don’t know who the compliance department is getting their information or notes from but nobody that I spoke to at that company said anything about a daily purchase limit. The merchant (vets office) actually said maybe there was a daily purchase limit when first attempting to run the charge and getting the decline and the first time I called them I brought that up and was told they didn’t know the reason and could provide no additional information or assistance. The other two times I spoke with someone including the supervisor they are rreferring to she said they did not know the reason and could not help me any further.  That basically was the end of the conversation and why I was so irate because I was left with no resolution and no assistance and they were declining the transaction for no reason.

      Additionally I’ve since spoken with a manager by the name of Twila and basically all she did was apologize and said that they didn’t know the reason why my transaction was declined but they’re working on it so I need for them to tell me how their responses is true and correct?

       

       

       

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *********** ********  


       
    • Complaint Type:
      Product Issues
      Status:
      BBB unable to locate business
      My credit history is spotless and over 800. You said you pulled my credit and at the time it was 804, so you should know this already. This means I am stable, as well as responsible for my credit-making decisions. I have never missed a payment and have an excellent profile with over 25 years of history and various accounts. They don't return emails, I can never speak with a live person.I have called 3 times and have spent over an hour on the phone, never once being able to speak with a live person. Sending a secure email does not work at all. I want this matter fixed as today because this has caused me great frustration. I want to file a formal complaint due to the incompetence and carelessness show to me. I demand a manager step in and do something! I have already spent weeks and had to send in much documentation just to open the accounts only to be told nothing.I would like for you to manually be reviewed by a competent human rather than a computer; in order to restore my faith.

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