Thingy Thing Inc. dba Extra CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	TX 78753	Web
I contacted Extra on XXXX XXXX XXXX via email because just to find out who a certain merchant was. " Extra Bot '' answered and I asked to speak with a human person, no response. On XX/XX/XXXX at XXXX I contacted Extra via phone in an attempt to speak to a human. I left a message both times and was never given a call back. XXXX XXXX, from Extra emailed me back on XX/XX/XXXX I then expressed to him that I " just wanted to know the name of the merchant on my account ''. Just the name of the company. On XX/XX/XXXX and after multiple emails, I was finally was given the name of the company, XXXX XXXX XXXX. I did make the charges and use XXXX XXXX very frequent so I did not want to pursue anything further. On XX/XX/XXXX Extra deposited {$2200.00} into my bank account. Extra reversed charges from XXXX XXXX with out my permission and deposited it into my account! Once I was made aware of this transaction I contacted XXXX XXXX and demand that I speak to an actual person about the issue on XX/XX/XXXX but was never contacted. XX/XX/XXXX, XXXX from extra contacted me via email and did not understand that I did not approve or give permission to do a reversal or pursue anything. I informed them that I will deal with XXXX XXXX personally. On XX/XX/XXXX, Extra then attempted, with out my permission, to withdraw the {$2200.00} from my personal bank account. There is over 50+ emails between XX/XX/XXXX and XX/XX/XXXX, with multiple agents. In every email I stated that I wanted to speak to someone on the phone and that my account needed to be closed immediately. I was never contacted and my account was not closed when I asked. From XX/XX/XXXX to XX/XX/XXXX my multiple request for my account to immediately closed was ignored and I was still being charged fees until XX/XX/XXXX. On XX/XX/XXXX I found out that Extra had reported a negative mark on my credit report, ( XXXX ). I did not charge the {$2200.00}, it was the mistake of Extra and I do not owe them I owe XXXX XXXX. They have no legal right to report their mistake on my credit report. Every Extra Agent that corresponded with me about this issue : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
03/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WI 53212	Web
I reached out to file a dispute on XX/XX/XXXX about clothes that were sent in the incorrect size and was told a dispute will be filed. I followed up and was told I would hear back but did not. I had to file an additional dispute on XX/XX/XXXX about a defective item that the merchant wouldn't accept a return for as the merchant wanted to keep troubleshooting it. I was able to finally get information on XX/XX/XXXX that it had actually not been filed as they had reached out to me for additional information, which I had not received. I sent the information and it was finally filed as of XX/XX/XXXX. On XX/XX/XXXX, I was advised the dispute had been resolved in the merchant 's favor. When I asked for the documentation, it was just documentation showing the merchandise had been delivered. I then discovered that on their dispute, they listed it as " XXXX not received as promised. '' I asked to appeal the determination as I had never said the merchandise was not delivered, but that it was incorrect and defective. They declined and then stated that they were able to properly state it wasn't received. When I asked about how that was appropriate for it to just require delivery and the merchant should have to provide proof that it was the correct size and not defective, I was told that their decision was final and they followed the CFPB regulations 1005. I advised them that they had broken their policy of provisional credit if not resolved in 10 business days, which I learned once sent the link that it was actually a regulation. They took 65 days to complete the investigation and never issued a provisional credit.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 77054	Web
I signed up for a company called EXTRA and their debit card program which said that it will help to build credit as we do transactions from their card. I created an account and signed up and sent in an application. First of all the application process took more than 3 months. After that the card never arrived. They said some documents had been pending and I will have to submit them through their application. Which I did. The documents then are in the review and its been more than a month the documents are in review. When I speak to the customer service they say that they did not receive the documents and ask me to submit. There is no place to submit the documents through the app and they insist. This way I have been going back and forth for more than 1 month now. Moreover all this time they are still debiting the fees from my account as it is automatically linked. It is a mess. I have asked them to cancel my card but that is also pending as they have to get the documents. The company says that there is a technical problem and their technical team is working to solve it. This is also going on for a week. I am so irritated. This company seems like a fraud. They clearly mentioned they will not charge any fees but they are charging. Please help me.
02/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90043	Web
I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 461XX	Web
There is an account on my credit report Extra that does not belong to me. I contacted the credit bureau XXXX with a dispute. They supposedly investigated and the company told them it was my account w/o any proof. I called XXXX and was told that my next step would be to file a complaint with the FTC. This Extra account started showing up on my credit report in XX/XX/XXXX with a XXXX balance but since XX/XX/XXXX it shows a balance of {$25.00}. Im concerned about this fraudulent account that somebody is trying to get loans in my name. This is NOT my account. I tried to contact Extra. They have a California address and a New York phone number. When I called the phone number I got a voicemail wanting me to leave detailed information about myself w/o being able to talk to a person. Please investigate and get this removed from my name and my credit reports.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 87108	Web
On XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?
11/28/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	GA 30045	Web	Servicemember
I have been testing the extra debit credit builder card is the builder card which was in Beta mode at the time and experience experience difficult and a clarity of the services and the fees might be? Doesn't the phase I've requested my account to be closed over 30 days ago 30 days ago account I received email that my account was closed but then A-day later started receiving NSF It's official fun charges for my bank for extra attempting to collect a debt that I do not know I have not used card and Despite my request to close account and customer service representative and email a confirmative a confirmative account was closed account is not closed I have no access to portal And this company is going after my primary checking everyday results in a fee from my bank for S efficient funds for transaction that never authorized
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73034	Web
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. \| never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
01/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89123	Web
On XX/XX/2021 XXXX XXXX XXXX alleges that I made a purchase of {$56.00} at a grocery store. I didn't shop at any grocery store on that date. I communicated this to XXXX XXXX XXXX. My checking account was debited for the charge anyway. I closed my XXXX XXXX XXXX account on XX/XX/2021. On XX/XX/2021 I initiated a dispute against the XXXX XXXX XXXX charge with my bank. XXXX XXXX XXXX was not able to validate the charge with my bank therefore I won the dispute & the charge was reversed. XXXX XXXX XXXX reopened my account without my permission, unsuccessfully attempted to debit my account, and has since spammed my email inbox demanding that I pay {$56.00}. My XXXX XXXX ends in XXXX.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	CA 94553	Web	Servicemember
To whom it may concern, this account was never past due this was a subscription that was paid for the yea beginning XXXX, it was reported as negative on my account as of XXXX, when I noticed it was being reported negative I contacted the credit agency and closed account along with a dispute that ended in my favor however the negative months pushed my credit down XXXX points and the months of XX/XX/22 and XX/XX/22 still remains on report. I have attempted to contact extra numerous amounts of time with no answer I have sent letters with no response, I think this should be resolved by erasing negative remarks. Thanks in warm regards XXXX XXXX ( XXXX ) XXXX XXXX XXXX
03/18/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	CA 94531	Web
I received an alert on my credit of an account registered on it. I did not recognize it and alerted the company of the card. They told me they are close the account but hasn't. In XX/XX/XXXX the account was open with EXTRA XXXX, I immediately told the company its not my account and I want it cleared of my credit. They told me they would. But as off XX/XX/XXXX the account is still on my credit and it has not closed. The company does not answer its phones and all calls goes to a voicemail. XXXX XXXX has ask me to file a complain to clear my name and get this account closed off my credit.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 705XX	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has vbiolated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01201	Web
accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any sLigost
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43232	Web
CReditor suspended account due to lost/stolen but then reported a late/deliquent while new card is being mailed, but not yet received.
12/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75089	Web
Account closed and is still being reported as delinquent when I didnt contract with this agency.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75067	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75211	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AZ 85743	Web	Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98168	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39402	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30296	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07663	Referral

12/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	CO 80249	Web

10/21/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 33872	Web