Bilt

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Bilt website: https://www.bilt.com/
• Rewards program support (cancel, credit reporting disputes): [email protected]
• Bilt Rewards Support (help center): https://support.biltrewards.com/hc/en-us
• Bilt Card support: [email protected]
• BBB-listed phone (844) 822-2458: (844) 822-2458
• Cardless Support (card upgrades, downgrades): (888) 533-5576

Locations

Bilt complaints, rent payment fees, Bilt Card and how to reach Bilt (checked October 14, 2026)

Bilt Technologies, Inc. sponsors the Bilt Rewards program, in which members earn Bilt Points on rent and mortgage payments, and offers the Bilt Card. Bilt's Terms & Conditions (Last Updated July 14, 2026) say the Program is offered by Bilt and "not by the owner, manager or any third party affiliated with the property" where the member pays rent, and that the agreement is between the member and Bilt.

Paying rent outside a Bilt Alliance property. A help-center article (updated 2026-08-12) lists these options: Bilt Mastercard "with no transaction fee"; bank account via Plaid "with a $1.95 processing fee"; Visa or Mastercard debit card "for a flat fee of $9.95"; Discover or Amex debit card "for a 3% processing fee (minimum $3.00)"; domestic credit card "3% processing fee (minimum $3.00)", earning 1 Bilt Point per $2; international cards "4% processing fee (minimum $3.00)".

Bilt Card 2.0. Bilt's help center says the Bilt Cards (Blue, Obsidian and Palladium) are issued by Column N.A., Member FDIC, and serviced by Cardless Inc. For card questions the help center says to call the customer service number on the back of the card or use the chat function on bilt.com; the page also lists [email protected] and, for upgrades and downgrades, Cardless Support at (888) 533-5576. The page lists annual fees of $0 (Blue), $95 (Obsidian) and $495 (Palladium) and says credit line increases "are not available for Bilt Card 2.0 products".

Wells Fargo card balances. The earlier Wells Fargo Bilt Mastercard could be used through 2/6/26, and the transition page says the last day to make a rent payment through BiltProtect with it was 2/3/26. For a balance left there the page says "you'll need to make payments directly to Wells Fargo by calling 1-833-404-2272 or visiting wellsfargo.com", and that an account kept open "will be converted into a Wells Fargo Autograph® Card".

Cancelling. Terms Section 13: "If you wish to cancel your participation in the Program, you may contact our customer service team at [email protected]." Section 10 says that on cancellation of an account "you will lose all Points immediately". Closing the Bilt Card is a separate step: the Card 2.0 page says to call the number on the back of the card or use chat in your Bilt account, and that closing the card "will stop you from earning rewards with the card, but your existing Bilt Points and Bilt Cash will remain in your account".

Disputing a credit-reporting entry. Terms say rent payments reported to a credit reporting agency "cannot be modified, amended, or cancelled" once reported, and that a member may dispute an entry by emailing [email protected].

Outside routes. A consumer can submit a complaint about a financial product to the CFPB at consumerfinance.gov/complaint and may also contact the state attorney general. The CFPB, BBB and Trustpilot figures are in the complaint-record section.

Regulator and legislative actions: CFPB statement (2026) and Senate letter

CFPB. The CFPB published "The CFPB Works To Ensure Bilt Consumers Are Made Whole" (page dated June 2, 2026). It says the CFPB "has been working to ensure consumers affected by Bilt's transition to a new bank partner are appropriately remedied" and that, "following our discussions and at our direction that Bilt ensures full redress, Bilt notified the CFPB that they proactively reached out to the limited number of potentially-affected customers and offered to reimburse them for any overdraft fees, late fees, or insufficient funds fees related to the transition". The outreach is therefore Bilt's account as relayed by the CFPB. The June text also said Bilt would, by June 4, reimburse fees for "more than 500 newly identified customers". The page's lead text states that "As of September 10, 2026, Bilt had reimbursed all eligible consumers (over 2,000) in the amount of $264,792.71", that "Because Bilt collaborated with the CFPB to remedy these issues voluntarily, there was no need for a lengthy investigation or a public enforcement action", and that "On September 21, 2026, the CFPB notified Bilt that it considered this matter to be closed." The statement describes Bilt's documentation as appearing "to show that it has completed the process and its systems are back on track." It is a CFPB statement, not a court order or consent order, and it contains no finding of liability.

U.S. Senate letter. In a letter dated May 27, 2026 (press release May 28, 2026), Senator Elizabeth Warren, Ranking Member of the Senate Banking Committee, wrote to Ankur Jain, Chief Executive Officer of Bilt Rewards, raising concerns about "significant transaction and payment issues" during the transition between bank partners, including reported rent or mortgage payments that "never reached their landlord or lender" and, in the letter's words, Wells Fargo balances that were reportedly "transferred to the new cards without their authorization". The letter also cites "a 1300% increase in complaints submitted to the Consumer Financial Protection Bureau (CFPB) in February alone" and questions Bilt's partnership with Evolve Bank, which the press release describes as "at the center of a major scandal involving nearly $100 million in lost customer funds in 2024". It requests written responses by June 9, 2026. The letter also asks about Bilt 2.0's immediate debiting of rent payments under the Credit CARD Act of 2009 and about Bilt's AI chatbot support. These are the senator's stated concerns and questions; the press release is not a finding by an agency or court. This profile did not locate a published Bilt reply to the letter.

Who operates Bilt and how the program works

Bilt Technologies, Inc. is the sponsor of the Bilt Rewards Program under its Terms & Conditions. The bilt.com footer also lists Bilt Payments LLC (NMLS ID 2527740) and Bilt Mortgages LLC (NMLS ID 2676904). BBB lists the corporation as started and incorporated on January 6, 2020 (raw page data), with Ankur Jain named as Founder/CEO.

Bilt's home page says members living in Bilt's property network pay rent in their resident portal and that members outside the network can use BillPay; it also says the network covers "6.5M+ homes" and describes free rent reporting to Experian, Equifax and TransUnion through "Credit Boost". These are company statements. Per Terms Section 10, points "don't expire as long as your Account is open and active" but are lost if an account is closed or becomes inactive for the reasons listed there.

Issuer and servicer for the current cards are named in the help center as Column N.A. and Cardless Inc.; the previous card program was issued through Wells Fargo, according to the transition page. Terms Section 21 requires binding arbitration administered by the American Arbitration Association with venue in New York, New York, and the document's opening notice also refers to a class action waiver.

Complaint record: BBB, CFPB and Trustpilot as displayed on October 14, 2026

Each figure below describes one source and is not added to any other.

• BBB (Bilt Technologies, Inc., New York): rating A-, BBB Accredited; "370 total complaints in the last 3 years" and "279 complaints filed in the last 12 months" on the complaints tab; customer reviews "1.09/5 stars", "Average of 75 Customer Reviews". Raw page data: accredited 2024-08-12, file opened 2021-04-20.
• CFPB database (company name "Bilt Technologies, Inc."): 694 complaints received July 16, 2024 to September 27, 2026, 635 of them in the 12 months from October 14, 2025. Responses: closed with explanation 640, closed with monetary relief 41, closed with non-monetary relief 8, in progress 5. The database labels 588 under credit card. The most frequent issue labels were "Problem with a purchase shown on your statement" (143) and "Other features, terms, or problems" (137). These are unverified consumer submissions.
• Trustpilot (biltrewards.com): 228 reviews, score 1.4, claimed profile. Trustpilot says it does not fact-check reviews.

As of October 14, 2026 no archive posts about Bilt Rewards or Bilt Technologies were linked to this profile on usacomplaints.com; the archive has posts about similarly spelled unrelated names (for example Vanderbilt and Troy-Bilt), which are not Bilt.

Court record: trademark case brought by Bilt Technologies (2021 to 2023)

CourtListener lists Bilt Technologies, Inc. v. Bilt, Inc., No. 1:21-cv-09500 (S.D.N.Y.), filed November 16, 2021, with the nature of suit "Trademark" (cause: Lanham Act trademark infringement). Bilt Technologies was the plaintiff; the defendant counterclaimed. A stipulation of dismissal with prejudice, covering the complaint and the counterclaims with each party bearing its own costs, was so-ordered on June 28, 2023. It is a commercial dispute over a name, not a consumer case.

In the sources checked on October 14, 2026 (CourtListener's public search and the sources above), no consumer class action against Bilt Technologies was identified; CourtListener searches were partly rate-limited, so this is not a complete docket search.

Is Bilt Legitimate?

Bilt Technologies, Inc. is an identifiable New York corporation with a BBB profile (A-, accredited since 2024-08-12 per raw page data), card issuance by Column N.A., Member FDIC, per its help center, and a CFPB statement describing remediation of transition-related fees. The same record includes 694 CFPB database complaints under its name, a BBB customer-review average of 1.09 out of 5 and a Trustpilot score of 1.4, a Senate letter raising payment-delivery and support concerns, and the CFPB's closure of its matter on September 21, 2026 after reported reimbursements of $264,792.71. Weigh both sets of facts; the figures above are not combined into a single score.

Court & Public Records

Company Relationships

• Affiliated with: Column N.A.
• Affiliated with: Cardless Inc.
• Affiliated with: Wells Fargo
• Affiliated with: Bilt Payments LLC

Frequently Asked Questions