Bilt Technologies, Inc. Reviews 164

No customer service. Received same response to ACTIVATING A CARD...from a credit card company. You can't talk to a human so you are stuck in a loop. 3 outstanding issues, with 1 issue being over 1.5 Months old. Lost all faith, and joining the rankis of people who will go back to Chase Reserve.

Absolute trash company. About the only thing they are any good at is avoiding their customers who need service. On that front they have established a rather sophisticated ecosystem designed entirely to run you in circles between chat bots and automated emails. If you do eventually get to human support they sound like they are picking up a cell phone at a noisy party. This level of ineptitude would be unacceptable from a retailer, but from a financial services company? Fak outta here, Bilt.

DISASTER! Is there less than 1 star for this pretend credit card company! ZERO live agents or customer support for a credit card is wildly unacceptable. I am stunned the feds haven't shut them down!! Have a dispute, send an email is there automated response. Staggeringly awful is mildly describing them!!

Completely exploitive of its customers. Holds rent payments for 3-5 days while your other purchases and bill payments go through. Bounces back easily. No protection for users.

This is no longer a credit card anymore! I’m disappointed with this new cards I use to pay my rent and pay it later. Had other things to pay like my moms medicine. They never said anything its like they trick everybody without saying anything. This calls for law suits

What was an okay card before is now useless. The minute I made my rent payment with my Bilt card, I got a text letting me know that the money would be taken from my linked bank account in 24 hours. What is the point of the credit card then? It is literally pointless to have a card if I need to pay it with cash myself. Better just to do it on my own debit card.

Denied a legitimate dispute

We use Bilt as our rent payment portal at my apartment. I have been using it for 1 year 4 months. The app is continually very slow and laggy, and often, buttons disappear (ie, adding an account). Game at end of month is slow and laggy and does not always open. water bill does not post until due date, and Bilt does not let you pay early. ACH transfers take 1-3 business days, but does not post on Bilt until the day it is due. So annoying!

Built is the absolute worst, it will still not me disconnect my bank account from the credit card that has been canceled for 2 months, it is unbelievable. You cannot talk to anyone. It's the worst, please don't do that to yourself anymore, she just walked out into the ocean and kept going.

Would leave 0 stars if I could. They are holding my points hostage, and have passed me around through various emails and phone numbers for over two weeks without offerring any solution or help. It's the worst customer service I've ever received from any company, let alone a credit card. BILT is a scam to try and get users to miss payments and carry balances by making things as confusing as possible and delaying any sort of response when you have a legitimate question.

Non existent customer service. Bots do not count and when I get transferred to a “live agent” it gets immediately turned into an email which does not get responded to. I have never had such bad service from a credit card issuer and will probably close my account as soon as I spend my points.

The company debited my checking account for my rent and never paid it to the landlord, and then reversed my previous month’s rent payment so the landlord charged me both a late fee and a $300 reversal fee (had more than enough in my account, their processing is just a mess). No customer service to speak of, issues have to be sent via text or email, and their AI bot is no help. Had to initiate a dispute directly with my bank to recover the missing rent payment. Email responses from BILT don’t address the issue. Account closed and never using BILT again.

I am extremely frustrated with Bilt’s customer service. I attempted to book a hotel stay, but I was unable to complete the reservation because the email address on my account was incorrect. The system keeps trying to send a verification code to an email address that is NOT mine.

The email listed on my account is incorrect

I have been trying to get this corrected for over 72 hours through chat and email, despite being told customer service is available 24/7. I have spent an unreasonable amount of time waiting for assistance with no resolution.

This issue has prevented me from accessing my account and booking travel, which is unacceptable. A simple correction should not take days to resolve.

I am requesting that Bilt immediately update my account with the correct email address and improve response times so other customers do not experience this level of inconvenience.

Very disappointed with the lack of timely support.

The points program SUCKS now. They totally ruined a good system they had before they upgraded to the new rules for how you earn points. I plan to CANCEL my card.

Everything that could possibly go wrong did. Even down to canceling the card. Nothing was easy. I took this credit card to get points for paying a mortgage but couldn't get that to work either.
Don't even start with them because you will go down a rabbit hole of endless frustration if you do. Beware!
Now you can't say you weren't warned.

I have been with Bill since October 24 when there where aligned with Wells-Fargo. Now that they have changed, I don't see a point in it anymore - its lost its value preposition since it took away the rent-float - I know that's only about 20 days or so of a float but it was worth it along with the other rewards - now with the new higher fees and no float - don't see a point.

Bilt Rewards' 2.0 card transition is a masterclass in operational failure. As a certified project management professional (PMP), I have rarely seen a financial product so recklessly managed.

Executive Negligence & Financial Liabilities
During the Wells Fargo transition, a $500 ledger discrepancy occurred. Bilt VP Thatcher Foster explicitly instructed me in writing to throw away a physical $500 bank issued refund check. I refused to destroy a legal bank document and proposed a transparent accounting fix. Following my proposal, VP Foster completely ghosted me, ignoring weeks of follow ups and leaving me exposed to clawbacks.

Deceptive "Bait and Switch" Rewards
Bilt's "Close Friends" tier actively fails to deliver. Three times, Bilt deposited high value rewards (including an ASAP Rocky vinyl and MrBeast package) as "collection credits" with zero clickable interface, expiring worthless. Furthermore, Bilt claimed the vinyl was "sold out" to justify non-fulfillment, only to push a restock notification for that exact item days later.

Hostile Promotional Fulfillment
After perfectly executing a 10,000 point social media promo, Bilt credited the points but sent a hostile email falsely claiming I violated terms. When challenged, support refused to provide evidence.

A Designed Support "Black Hole"
Bilt's infrastructure actively blocks help through distinct system failures:

The "Black Hole": Submitted tickets simply vanish. I submitted tickets regarding missing rewards that received zero response or acknowledgement, ever.

False Abandonment: The system ignores customer replies entirely. I received multiple automated "we haven't heard from you" warnings threatening to close my active ticket, which it eventually did, despite me repeatedly sending the requested proof.

Dead Ends & Obfuscation: The app bot directs customers to disconnected phone numbers, while agents conflate separate ledger errors to avoid clean audit trails.

Do not trust this company. The marketing is flashy, but the leadership and technology are fundamentally broken.

Bilt took my rent money and never paid my landlord. Has zero human customer service so you can’t get help. I had not responded or acknowledged the issue in over three weeks. Do not trust this company.

The idea of earning points for paying rent sounded promising at first. The experience quickly became aggravating once the platform was used. Information about points, benefits, and program rules was often unclear and overly complicated. Instead of a simple rewards system, navigating the details required constant digging through explanations and repeated clarification. Responses to questions were frequently unhelpful or delayed. Over time, the program became unnecessarily difficult to manage for something advertised as simple and convenient. A rewards platform should focus on transparency and ease of use, yet that clarity was almost always missing.

Trash, don't waste your time. Can't use your credit line for rent. Rewarded bilt cash, unable to use in my area. Everything is locked in their system. Also the concierge is trash in the app. No customer support as well.