Thank you so much for your review. Just wanted to let you know that the leather on the wallets is skived to be thinner than our other products like covers or handbags. This is intentional. Otherwise it would be way too thick and bulky. The lining is a ballistic nylon, which means that it is lightweight but will not tear or get holes. The pocket panel is definitely also cowhide, though it does have a different texture than the outer leather. It is tanned differently. It’s called “pocket leather” in the industry and is most commonly used for just that, pockets and linings; in wallets, bags/briefcases, shoes and all types of accessories. We have our tanner apply a gloss finish to the pocket hides used on the insides of our items to prevent oils in the leather from interacting with paper fillers. We could use something more supple on the interior, and on certain things we do, but it would stretch or soften too much and within months, it would be useless. We have used this leather for decades with no problems. We do not use "ground leather", leather product, vinyl or plastic. I assure you it is leather and while it may be different in feel and texture, there is no compromise to quality on these. Please don't hesitate to contact customer service at [email protected] with any questions or concerns and/or to arrange a return. Thanks again.