Bilt Customers Report Erroneous Collections After Cardless Transition
Some Bilt cardholders are reporting a serious new problem following the company’s transition from Wells Fargo. They are hit with collection notices and negative credit reporting for debts they say they never owed.
In one report shared on Reddit, a customer said they received a collection notice from Tate & Kirlin Associates stating that Bilt was taking adverse action against them. The customer said the account had been paid in full after the transition to Wells Fargo and that they never carried a balance with the new Bilt card.
Other users reported similar experiences. One person said their credit score dropped by about 60 points shortly before they were scheduled to complete a mortgage approval. Another user said two collection accounts totaling more than $9,000 appeared on their TransUnion report even though they had not used a Bilt card in more than 18 months and their previous Wells Fargo or Cardless account had been closed with a zero balance. Another reports that he only had the original Bilt card issued by Evolve Bank and never had a Wells Fargo or Cardless account.
Bilt responded publicly to the reports, saying:
“We are aware of a small number of customers receiving unexpected collections notices and/or credit reports related to their beta Bilt card. We are in touch with the agency responsible and any erroneous credit reporting will be deleted immediately.”
Bilt moved its credit card program to Wells Fargo in 2022 and then to Cardless earlier this year as part of the launch of Bilt Card 2.0. The transition officially took place on February 7, 2026, while customers who did not move to a new Bilt card generally had their former Wells Fargo Bilt accounts converted to Wells Fargo Autograph cards.
The transition has already faced scrutiny. A May 2026 letter from members of the Senate Banking Committee cited a sharp rise in consumer complaints following the move and described reports of payment-processing, account-access and customer-service problems.
It is not yet clear how many customers were affected, what caused the collection accounts to be created, or how quickly the incorrect information will be removed from consumers’ credit files. Bilt says it is working with the collection agency and that erroneous reporting will be deleted.
Anyone affected should probably keep copies of the collection notice, screenshots of account balances and payment records, and monitor all three credit reports. Consumers can dispute inaccurate collection information directly with the credit bureaus, CFPB, or FTC.
