I made a purchase on September 25 for $59.40 from a website that sent me a counterfeit Dermalogica product. After using it once, I had a reaction that required a dermatologist visit on October 18, where I was diagnosed with contact dermatitis caused by the product.I filed a dispute with Petal on October 20 and provided all evidence, including:• A doctor’s note from my dermatologist• Screenshots of my conversation with the merchant• A photo clearly showing the product was fake compared to the real oneDespite this, Petal closed the dispute on November 11 without offering any explanation. I requested that the case be reopened and resubmitted all the evidence again. Petal closed it a second time on November 20 — again without explaining how a counterfeit, harmful product sold by a merchant does not qualify for a refund.Petal provided no reasoning, no transparency, and no indication that a proper investigation was done. As a customer, I expected fair dispute handling and basic consumer protection.This experience has seriously damaged my trust in Petal as a credit card issuer. If you find yourself in a similar situation, I strongly suggest filing a complaint with the CFPB.
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